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What It takes to Buy a Home?


Should I Wait or Now Is a Good Time

Home Buying Guide


Make the Right Move in Your Life.

832-423-8405
rupal@keytodfwhomes.com
www.keytodfwhomes.com

HOME BUYING REPORT


Welcome to my site and thank you for requesting a free home buying report. Of
course, buying a home is a large investment. It may be the largest one you will ever
make, so it requires careful planning, in-depth research, clear thinking as well as
money. Please review this report, and I would welcome the opportunity to discuss it
with you further

FOUR REASONS TO BUY A HOME

Here are four great reasons to consider buying a home today instead of waiting.
1. Prices Continue to Rise
As per the Metrotex Association of Realtors Dallas County Housing Market Data
report home prices have appreciated by 13.6 % over the last 12 months. Many
experts say that home values will continue to appreciate for years. Moving now
makes sense.
2. Mortgage Interest Rates Are Also Projected to Increase
Most experts predict that interest rates will begin to rise over the next 12 months.
An increase in rates WILL impact your monthly mortgage payment. A year from now
you can expect your housing monthly expense to increase if a mortgage is necessary
to buy your next home and you wait to buy.
3. Either Way, You Are Paying a Mortgage
Homeowners make a monthly payment to pay down their own loan while
households that rent pay down the mortgage of a landlord. Wouldnt you rather
build your own equity instead of someone elses?
4. Its Time to Move On With Your Life
The cost of a home is determined by two major components: the price of the home
and the current mortgage rate. It appears that both are on the rise.

832-423-8405
rupal@keytodfwhomes.com
www.keytodfwhomes.com

But what if they werent? Would you wait?


Look at the actual reason you are buying and decide whether it is worth waiting. Do
you want to have a great place for your children to grow up in, your family to be
safer, or do you just want to have control over renovations? If so, then maybe now is
the time to buy.

Median Sale Price

Dallas County
8.8%
170000

14-Aug

210000

184900

15-Aug

Year

832-423-8405
rupal@keytodfwhomes.com
www.keytodfwhomes.com

13.6%

16-Aug

832-423-8405
rupal@keytodfwhomes.com
www.keytodfwhomes.com

If the right thing for you and your family is to purchase a home this year, buying
sooner rather than later could lead to substantial savings.
Mortgage

Interest Rate

Payment (P&I)
Principal and
Interest

Today

$200,000

3.50%

$898.08

Q3 2017

$210000

3.75%

$972.54

Difference in Monthly Payment

$74.46

Rates based on Freddie Macs prediction at time of print


Monthly
Annually

Over 30 Years

$74.46

$26,942

$898.08

Mortgage

Interest Rate

Payment (P&I)
Principal and
Interest

Today

$300,000

3.50%

$1347.13

Q3 2017

315,0000

3.75%

$1458.81

Difference in Monthly Payment

$111.68

Rates based on Freddie Macs prediction at time of print


Monthly

Annually

Over 30 Years

$111.68

$1340.16

$40,204

832-423-8405
rupal@keytodfwhomes.com
www.keytodfwhomes.com

As mentioned, the longer you wait, the more the interest rate and market price of
your potential home are going up, up, up! This will impact both your ability to buy as
well as your purchasing power.

832-423-8405
rupal@keytodfwhomes.com
www.keytodfwhomes.com

DONT LET RISING RENTS TRAP YOU INTO PAYING SOMEONE ELSES LOAN
FOREVER!
There are many benefits to homeownership. One of the top ones is being able to
protect yourself from rising rents while locking in most of your housing cost for the
life of your mortgage, and someday paying only taxes and insurance.
Its Cheaper to Buy Than Rent
It is actually cheaper to buy than rent a home. So why arent those unhappy renters
choosing to buy? Many simply dont know they can. I can help you find out if you
can!
Know Your Options
Many first-time home buyers think they are not qualified or their credit score is not
good enough. Or they may believe that they need a large down payment.
Dont get caught in the trap so many renters are currently in. If you are willing to
buy a home, find out if you are able to, and what your options are.
Four Financial Reasons to Buy a Home
1. Housing is typically the one leveraged investment available.
Homeownership allows households to amplify any appreciation on the value of their
home.
2. Buying a house is a form of forced savings.
Some of the money you pay on a mortgage payment goes towards your equity.
Equity is like savings in the bank of your home.
3. There are substantial tax benefits to owning.
Homeowners are able to deduct mortgage interest and property taxes from income,
paying less in taxes than renters. Talk to your accountant about this.
4. Building family wealth over time.

832-423-8405
rupal@keytodfwhomes.com
www.keytodfwhomes.com

Historically, over time home prices are expected to appreciate 3%-5% per year on
average. Over time your value could easily increase by 25% or more!
Bottom Line
What does this mean for you?
Homeownership makes sense for many people to have more space, freedom to
renovate, and most importantly put money into their equity and build wealth over
time.
The chart below shows potential growth in family wealth based solely on
increased home equity - $39,818 over the next 5 years.
5 YEAR GROWTH WITH 3% APPRECIATION RATIO
$257,500

$265,225

JANUARY
2016

JANUARY
2017

JANUARY
2018

$273,182

$281,377

JANUARY
2019

JANUARY
2020

$289,818

PRICE INCREASE

$250,000

JANUARY
2021

MONTH- YYEAR

Not only is homeownership something to be proud of, but it also offers you and your
family the ability to build equity you can borrow against in the future. Im sure you
have questions and concerns, so contact me today and find out your options.
I would sincerely love to talk with you and provide the right resources so you can
make educated decision for you and your family. My contact information is below. I
look forward to hearing from you.
Rupal Shah

Rupal Shah

832-423-8405
rupal@keytodfwhomes.com
www.keytodfwhomes.com

P.S. If now is not the right time for you, will you share this report with someone else
who might be interested?

Rupal Shah

Waller Group Properties


rupal@keytodfwhomes.com
www.keytodfwhomes
832-423-8405

832-423-8405
rupal@keytodfwhomes.com
www.keytodfwhomes.com

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