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How Much House You Really Need?

A common dilemma that many potential homebuyers face is determining how much house they truly need. In a world where “bigger is better” has often been the prevailing sentiment, it’s essential to consider your specific needs and financial goals before committing to a mortgage that may be more than you require. In this blog post, we’ll explore the factors that should influence your decision regarding finding how much house you really need.

How Much House Do You Really Need
How Much House You Really Need?

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Here’s a quick list of considerations to help you determine how much house you really need:

  1. Family Size and Future Plans: Your family size and future plans should play a significant role in your decision. If you’re a newlywed couple with plans to start a family, consider a home that can accommodate your future needs without overextending your budget.
  2. Lifestyle and Hobbies: Think about your lifestyle and hobbies. Do you need a dedicated home office, a spacious kitchen for cooking enthusiasts, or a backyard for gardening? Tailor your home size to your passions and pastimes.
  3. Location: Location is a crucial factor. In some urban areas, larger homes may be cost-prohibitive, and you might prioritize proximity to work, schools, or entertainment options over a bigger house.
  4. Financial Considerations: Your budget should be a driving force in your decision. A larger home may mean a larger mortgage, higher property taxes, and increased maintenance costs. Be sure to factor in all associated expenses to ensure financial stability.
  5. Energy Efficiency: Smaller homes are often more energy-efficient, leading to lower utility bills. Consider the long-term savings and environmental benefits when deciding on the size of your home.
  6. Maintenance: Larger homes typically require more maintenance and cleaning. If you’re unprepared for the time and effort to keep up a bigger house, a smaller home may be a better fit.
  7. Resale Value: While choosing a home that meets your current needs is important, it’s also wise to consider its resale value. A well-maintained, smaller home in a desirable neighborhood can often appreciate more than a larger home in a less desirable location.

Finding the right-sized home involves balancing your current needs, lifestyle, budget, and plans. While it’s natural to be drawn to the allure of a larger house, remember that a smaller, well-suited home can provide comfort, financial security, and a higher quality of life. We are here to help you make an informed decision and guide you through the financing process to ensure your new home fits your needs and goals.

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Author Bio: Greg Sandler
Greg Sandler is a distinguished leader and strategist in the mortgage and real estate investment industry. With over two decades of experience, Greg has honed his expertise in guiding his clients to build wealth through real estate.

Greg Sandler has direct and first-hand experience as co-founder and CEO of USA Investment Group Management Inc., focusing on growing real estate holdings and diversified asset portfolios. Under Greg's guidance, the company has executed hundreds of traditional real estate acquisitions and currently manages a substantial portfolio of rental units.

Greg also has a track record of driving multi-million-dollar revenues and leading high-performing teams to success in mortgage loan originations, achieving the prestigious "Top 1% Originator" status in consecutive years. Currently steering the helm as the President at USALending.AI in Keller, TX, Greg has revitalized this division of a mortgage bank, significantly expanding the company's scale.

Prior to this, Greg's role as Senior Vice President at Fairway Independent Mortgage Corp in Rocklin, CA, was marked by his pivotal contribution in establishing the company's presence in northern California and northern Nevada. Under Greg's leadership, his team of nearly 110 dedicated mortgage professionals originated and funded approximately $800 million in residential mortgages annually.

Greg's professional journey is marked by his exceptional skills in negotiation, sales leadership, financial analysis, and P&L management. His ability to strategize, coupled with his in-depth knowledge of the mortgage and real estate sectors, makes him a visionary leader and a respected figure in the industry.

To book a call with Greg Sandler, please visit:

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