As a buyer in today’s real estate market, what makes a home truly affordable?
Hi, I’m Tanja Odzak, eXp Realty, and I help people sell and buy homes right here in the East Bay.
With affordability being the biggest challenge for homebuyers, buyers are looking for properties that cater to both their lifestyle needs and financial concerns. Affordability isn’t just about the price tag on the home but also foreseeing future expenses with the home such as repairs, property taxes, home insurance and maintenance costs. Also mortgage, particularly understanding how a mortgage fits into your life’s overall financial picture.
A rule of thumb is that your monthly mortgage payment should not exceed 28% of your monthly income. There is location, location, location. The neighborhood you choose can impact your affordability. Sometimes having a longer commute can mean more home for your money but also higher expenses with commuting. AND, let’s not forget about energy. Homes that are more efficient with energy saving features might have a higher upfront cost, but can save money in the long run in utility bills.
But in the end, affordability isn’t just about the numbers and features. The most affordable home is the one that aligns with your financial goals and lifestyle needs and that is going to give you the *most value*.
It is not just about finding a place to live but also securing a foundation for your future and building your net worth over time. Whether you are a first time home buyer or looking for a replacement home, Call me today and let’s talk about it. I’m a seasoned East Bay expert with a 5-Star rating. I’ll help you navigate the market and make it happen, whether that’s selling or buying or both!
And if you or someone you know needs to sell a home, ask me about my home selling plans.. I took the pain out of negotiating with a Realtor and made it SUPER simple. Really! Choose Silver, Gold, or Platinum- Pick your Plan and Pick your Price. Terms do apply. I’m Tanja and I sell homes. Let’s get you going, Call me today!
I’m a Top Producing Realtor® in the OAKLAND / BERKELEY / EAST BAY AREA. I’ve been in the San Francisco East Bay Area since I came up to do my undergrad at UC Berkeley (a long time ago!), with a short stint at UC Davis while getting my Master’s. I take my duties as a Realtor® and Fiduciary very seriously, I enjoy educating my sellers and buyers along the way. Putting People, Before Profit.
Why not check out one of my no-obligation, online, On-Demand, virtual Real Estate Seminars?
Click here—> I WANT TO GAIN ACCESS TO THE *HOME BUYER* SEMINAR NOW
Click here—> I WANT TO GAIN ACCESS TO THE *HOME SELLER* SEMINAR NOW