Jeffrey Ho Mortgage Shares 5 Mortgage Planning Tips That Matter

Thu, 22 Jan 2026 08:13:55 +0000

A key part of mortgage planning is understanding what you can truly afford. Many buyers focus on the maximum amount they qualify for, but that figure may not suit their everyday comfort. A solid plan looks at income, ongoing expenses, savings goals, and lifestyle choices. Beyond the mortgage payment, costs such as property taxes, insurance, utilities, and maintenance should be considered. Planning with realism helps reduce stress and supports a more balanced homeownership journey.