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Hey friends — Harley here 
One of the biggest mistakes buyers make is asking:
“How much can I qualify for?”The better question is:
“How much house can I comfortably afford?”Those are not always the same thing.
Let’s talk about it.
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## Just Because You Qualify Doesn’t Mean You Should
Just Because You Qualify Doesn’t Mean You ShouldLenders determine what you may qualify for.
But that number doesn’t know:
• Your lifestyle
• Travel plans
• Hobbies
• Savings goals
• Retirement goals
Only YOU know those things.
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## The House Payment Is More Than Principal & Interest
The House Payment Is More Than Principal & InterestMany buyers focus only on the mortgage payment.
But ownership also includes:
Property taxes Homeowners insurance Utilities Maintenance Future repairsThose costs matter.
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## Don’t Forget Real Life
Don’t Forget Real LifeCan you still:
Take vacations? Save for retirement? Handle an emergency? Enjoy life?If the answer is no, the house may be too expensive.
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## Buy For Stability, Not Stress
Buy For Stability, Not StressThe goal isn’t buying the biggest house.
The goal is buying the right house.
A comfortable payment creates freedom.
A stretched payment creates stress.
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## Harley’s Bottom Line
Harley’s Bottom LineThe best budget isn’t the biggest budget.
It’s the one that lets you sleep well at night.
Buying should improve your life.
Not control it.
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Thinking about buying?
Let’s build a plan that fits your goals and your budget.
360-261-2062
Paws up,
Harley
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