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Susan Bentley Lic. Assoc. RE Broker Realtor
Over $36 Million in Sales & Over 185 Clients Served
Susan Bentley
Licensed Real Estate Associate Broker, SRES
C: 585.261.5456 O: 585.352.8833
**Notary Public, Seniors Real Estate Specialist
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Spencerport Office
421 South Union Street
Spencerport NY 14559
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Visit my website: SusanBentley.HowardHanna.com
Whether you are buying your first home or selling your last home, my passion is to help with every aspect of your real estate transaction. Enthusiasm, compassion and plenty of good old fashioned hard work guarantees success for my clients. My mission is to do what it takes to see each personal experience through to closing and beyond. YOU are my #1 priority and I am NEVER too busy for your questions or concerns. I love what I do!
- Core Values: honesty, integrity, dependability, dedicated, loyal, organized.
- As a single mother of three (successful, professional) now adult children, I am no stranger to multitasking and organization.
- In my 30+ years as a Registered Dental Hygienist I have dedicated myself to helping people with their fears, anxieties, and concerns. I have made my patients my priority as I do my clients as a Real Estate Sales Associate.
- In my career as a Real Estate Associate Broker, I realize the importance of communication, organization, and dedication from start and finish.
- I will be there to guide you through and help you understand the buying/selling process step by step understanding that this is, for most of us, the most important and valuable investment we make!
- I use a professional photographer for each and every one of my listings.
Affiliations: GRAR - Greater Rochester Association of Realtors
NYSAR - New York State Association of Realtors
NAR - National Association of Realtors
SRES- Seniors Real Estate Specialist
Communities Served: Brockport, Spencerport, Ogden, Chili, Gates, Hilton, Kendall, Fairport, Victor, Webster, Penfield, Farmington, Irondequoit, Rochester-City, Greece, Pittsford, Bergen, Caledonia, LeRoy, Holley, Hamlin, Albion, Perry [Monroe, Orleans, Ontario, Livingston, Genesee & Surrounding Counties]
Specialties: Acreage/ Country Property/ Dream Home/ First Time Buyers/ Move-Up Home/ Residential/ Seniors
Specialties
Buying a new home is a lengthy process with many interconnected steps. Whether you’re a first time home buyer or you’re looking to move into a better house, one of the most important steps you’ll take is determining what you can and cannot afford to buy. And to make that determination successfully, you’ll need to make a clear budget focused specifically on how much property and home you can and cannot afford.
Start With a Basic Budget
At its core, your budget for your new home is all about understanding the maximum monthly mortgage payment you think you can comfortably pay. To figure this out, there are several pieces of data that need to be factored in, reviewed, and calculated.
As you create your budget, make sure that you have this basic information:
Based on these three numbers, you can come up with a rough estimate of the maximum home price you can afford within your current budget.
Keep Going to Determine a More Accurate Budget
Once you have your basic budget, it’s time to get a more accurate and precise number to focus on and work around. To do this, you will need to take into account detailed information about the new home you are looking to purchase and the mortgage loan that would finance that property.
As you create this more accurate budget, you should consider:
•Homeowner’s association dues (if applicable)
Don’t Be Afraid to Ask for Help
If you’ve shopped for a home before, you probably already know that even a self-determined budget is still just an official and limited answer. That’s because every step of purchasing a home can be complex, and often includes factors you forget or can’t predict. For example, besides the mortgage payment, there are several other fees and costs associated with owning a home that often go unnoticed until after closing on the home.
With that in mind, the only real way to figure out your true home buying budget early in the process is to speak with a mortgage professional, as well as to work with a real estate agent. While mortgage experts can answer all of your questions, address your concerns, and help you prepare for any loans you need to complete your purchase, a real estate agent can keep you on-track during the entire home hunting process. Together, these two experts are sure to help you buy a fantastic new house – all within your budget!