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Mortgage Matters: Choosing a Home

Couple looking at home
Couple looking at home

A great deal on a house is only a great deal if the house actually meets your needs. That means going into the home-buying process with an idea of what you need and what’s important to you. First think about the big factors that go into choosing a home, like location and size, then look at features you’d like in a home and features that make it less attractive.


The square footage of your home is an important factor. Additions to existing homes can often be more expensive than buying a bigger home. Space isn’t the only factor, however. Less square footage can seem like more if it’s in a convenient layout that fits your needs.


Would you rather have a guest bedroom or a larger master bedroom? If your budget limits you to a specific range of square footage, these are the questions you need to be ready to answer. At the very least know how many bedrooms, bathrooms, and garage spaces you want in your home.


This is more important than you might think. Certain styles of homes use available space differently and have different features. A big factor could be deciding on a home with or without stairs. Another big decision is deciding if you want a brick or stone home or one sided with wood, aluminum, or vinyl.


How big of a yard can you handle? Are you looking for less than a quarter acre or a home sitting on wooded lot with several acres? If you want something low maintenance, you’re probably looking for a small lot. If you spend a lot of time outdoors, have outdoor pets, or need your privacy, look for a home with a little land.


Fireplaces, walk-in closets, hardwood floors, and outdoor living space are some of the smaller features to consider. The list of available amenities is endless, but don’t get caught up on these small items. Many can be added or modified later. Don’t get caught up in the details.

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