Affordability analysis, mortgage strategy, and how a home purchase fits into your broader financial picture.
We run the numbers before the offer. What does this mortgage payment do to your savings rate? Your retirement trajectory? What happens if rates rise or income drops? A home that fits your life looks different from a home that fits your approval letter.
Buying is not always better than renting. The break-even point — the year total buying costs fall below total renting costs — depends on price appreciation, transaction costs, and how long you stay.
If you plan to move within 3–5 years, renting is almost always cheaper once transaction costs are factored in. If you're staying 7+ years in a market with reasonable appreciation, buying usually wins.
A free 30-minute consultation. No sales pitch. Just an honest conversation about your finances.