Everyone who lives in Oregon knows the property taxes are a killer. The goal is to keep it so the state will never have to institute a sales tax, but it means you have to look at the bigger picture when you are buying a home. It is not just enough to look at the current cost of things but what you will be paying over the long haul. Often people find themselves in over their heads because they didn’t have a real estate agent who showed them how taxes would affect their lives. Brian Spears knows how to walk you through the process and make sure you can afford the home of your dreams.
Going a Little Lower
Part of affording property taxes in Oregon might mean finding something a little lower than what you expect to spend. This helps you put away the money you need to cover the property taxes now and in the future. You don’t want to find you can afford the mortgage but not the taxes. That type of situation often puts you in a “force sell” that financially devastates many families.
Consider it Part of the Mortgage
Even if it doesn’t come out of your account every month like a mortgage, you can still treat it that way. Oregon taxes are totally affordable when you break them down over twelve months of payments. While you don’t have to send the money in like that, setting up your account will keep you from having to come up with one lump sum. This often makes paying taxes less painful and helps you get it done on time. Brian Spear and other good real estate agents can help you understand what your tax liability really means to your monthly payment and what you need to make in order to cover the costs.
Look at the School District
If you have children or you plan to have children, your home purchase search should also include school considerations. You are paying in property tax and you should be able to utilize the school system. This means finding a plot of land or a home in an area that works with your future child plans. You will find that a number of areas may have smaller homes but a better schools system. This type of sacrifice can actually save you money over the long term.
Building your future require much planning and consideration. Just like you wouldn’t buy a car without doing the research, the same should be true of a home. Brian Spear understands the pulse of the community and can make sure you are getting what you really need. He can see beyond what you want to the other things you should be thinking about when you are making your choices. This type of advice is so valuable you won’t even realize it until you see the whole picture. No one can know the future, but you can plan for it.