steve bargdill

As an experienced real estate professional with a background in higher education, Steve Bargdill brings a unique set of skills to the table at Keller Williams Coastal Lakes and Mountains Realty.

How do I determine my budget for buying a home?

by steve bargdill

Here’s a breakdown to help determine your budget for buyinig a home.

1. Assess Your Financial Situation
2. Calculate Your Debt-to-Income Ratio (DTI)
3. Determine Your Down Payment
4. Consider Additional Costs
5. Get Pre-Approved for a Mortgage
6. Use the 28/36 Rule
7. Factor in Lifestyle and Long-Term Goals
8. Consult with Professionals
For a more complete answer, visit:
And, if you’d like more specific advice tailored to your situation, I can help you run some numbers or give you more detailed steps! You can give me a call at 603 617 6018.

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Forget What You’ve Heard: Here’s When You Should Buy a Home

by steve bargdill

Homes are more than equity-building or rental income; they’re filled with mystery and memory. Remember the warmth of Laura Ingalls Wilder’s Little House in the Big Woods? Or the endless rooms of C.S. Lewis’s The Professor’s House? A home is a sanctuary, a place where memories are made.

Financial guru Kyla Scanlon points out that owning a home isn’t the best way to build wealth. If homeownership is your dream, why wait? The markets will fluctuate, but your yearning for a home doesn’t have to. If you’re prepared, the opportunity is now.

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What are the first steps in the home buying process?

by steve bargdill

Assemble a vast pile of money.
No, seriously.
Here’s a step-by-step break down of the steps in the home buying process:

1. Assess Your Financial Situation
-Save for a Down Payment
-Build an Emergency Fund
-Check Your Credit Score
2. Get Pre-Approved for a Mortgage
-Identify Potential Issues
3. Hire a Realtor
4. Start House Hunting
5. Make an Offer and Close the Deal

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A Vast Pile of Money:

by steve bargdill

There are only two ways to create money: reduce expenses or make more. Personal austerity rarely works, but strategic budgeting can help. Every quarter, I play a game of red light/green light with my finances, cutting unnecessary costs and keeping essential ones. Making more money can be tougher, but side hustles and business ownership offer potential. Building an emergency fund and paying off debt are crucial steps towards financial freedom. Remember, your assets can generate income without your direct involvement. Start small, seek advice, and stay committed to your financial journey.

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