The Realtor you work with should help you determine what is affordable, based on your needs and budget. You should take into consideration what the mortgage, taxes and insurance would be.
Every buyer should start their home search by having a skilled mortgage broker provide a recommendation and estimate, a 'pre-qualification', for a mortgage. A knowledgeable agent can help identify neighborhoods that fit your needs - such as non-HOA neighborhoods if you have pets or own a boat or work truck.
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