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Loosing Sight Of Why We Buy A Home
By Paula Stone
The large investment gains realized in the past few years in some housing markets have caused many people to lose sight of the real purpose of buying a house.
What’s missing?
The primary function that building serves is that it is a HOME, not a financial instrument or status symbol.
A home is a special shelter for the homeowners, their children and pets, their friends and guests. It’s a place that will be lived in and bring comfort and sanctuary to those who stay there.
Buyers are looking for an intangible feeling of hominess, not just an investment. Realtors who are in touch with these emotional issues and understand what it means to buyers make better, more effective helpers.
Housing markets vary over time but do not commonly increase in value the way they have in recent years. A property owner might have to keep a house in good condition just to break even at resale, as was the case in the industrial Midwest for many years. While houses that are in good repair and not too dated will resell faster and better in any market, breaking even is a lot different from making big money on an “investment”. Any work you decide to do on a house should be functional and not too expensive or taste specific. Spending $100,000 on a new kitchen could mean you just lost money and a lot of it.
Many Americans overspend on housing, often looking for the best school or the newest trendy neighborhood. But these things are always in flux. Things change. Yesterday’s perfect might be tomorrow’s disaster. Instead, what if you bought a smaller house in a less expensive location with a shorter commute and home schooled or private schooled your kids? You would save money every day heating and cooling a smaller house and driving less. Many families are in the car much more than they are at home because they bought that newer home way out in the burbs, a decision that puts a significant financial burden on them for thirty years or the life of the loan.
But we have to live somewhere and a rental just doesn’t bring the same feeling. The landlord is unlikely to approve of your choice of royal purple for the bedroom, after all. When you get ready to sell you can go back to builder ivory, but while you live there it’s what YOU want if it’s your home! The place…the home you buy…needs to function as your home with all of your needs fulfilled. Of course all buyers have their own specific needs that may be quite different from other buyers. But still it’s a search for a HOME!
And
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then we move in and live in our home. We’re living there, busy and not taking the time or money to keep everything in perfect repair. Yes, Rover chewed the back door frame, but he’s still doing it so I’ll fix it when he stops. Junior kept riding the garage door up and broke the mechanism, but there is so much stuff stored there we can’t get the cars in anyway. Uncle Ralph spilled red wine on the carpet in the family room. We’ll put a potted plant over the stain.
It’s home. We’re living there. We aren’t packaging it for resale. Buy the time we’ve lived in a house for even just a few years, things wear out and need refurbishing. Or maybe they just go out of style. So the extra few hundred thousand dollars we spent to impress the neighbors and keep up with the Jones may be a complete waste of money. Think about what you really need. Even granite counter tops will eventually go out of style. You’ll have to update when you get ready to resell, something you don’t have to do to other types of “investments”. Taste and style are moving targets. House styles come and go just like big hair. Your home is the place where you want to spend time with your loved ones. It’s not a decorating tour de force.
When we walk our dog and get ready to head home, we say, “Let’s go home.” He knows where we’re going and goes in that direction with eagerness just like we do. It’s not just an investment. It’s much more. It’s a HOME. Article Source: http://www.ArticleJoe.com Paula Stone is a former realtor and black belt home seller. She works with her husband Ron in his mortgage business. Their website is full of Free information about the mortgage process along with more real estate information. Check it out at www.alabama-mortgage-specialists.com“>Alabama Home Mortgage
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