Your "dream home" becomes a nightmare when you end up "house poor", with most of your money going to pay for the mortgage and little left over for enjoyment. When buying a home, you need to be practical and realistic. Over -extending yourself financially is the quickest way to destroy the excitement of owning your own home. I can help you find the home of your dreams; I can also assist you in evaluating mortgage options and obtain financing at the most attractive prevailing rate. Together, we'll be able to determine your "affordability quotient".

The size of the mortgage you can arrange, based on payments you can afford, depends on interest rates. The lower the rates, the larger the possible mortgage and the more affordable housing is.  But there are other mortgage terms to consider, as well. How open is the mortgage? Is the mortgage portable?  Feel free to discuss your mortgage options with me, your banker or a financial advisor. Establish a limit - and stick to it.