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Sondra Berner Lic. Assoc. RE Broker Senior Real Estate Specialist
There’s no place like home!
Sondra is a full-time Real Estate Broker serving buyers and sellers throughout seven counties in the Greater Rochester Area with over 20 years of sales & marketing experience. She has a wealth of knowledge and expertise to offer her clients and has helped many families find the home of their dreams. “There’s no place like home”
- Commitment: Sondra is a full-time (day/evenings/weekends) Associate Broker that will work around your schedule, providing a professional, interactive, stress free & enjoyable real estate experience.
- Client Centered: Keeping you informed thru-out the entire real estate purchasing and/or selling process. Adept at listening to buyers; Sondra will maximize your exposure to your purchasing options.
- Creative: Skilled at implementing, the ever changing, marketing and technology tools available. Results driven, reliable, hard working and will always work towards her clients goal’s first and foremost! Call or text (585)703-4160
- Nothnagle Realtors and Howard Hanna Platinum Sales Awards
- Champions Club
- GRAR Sales Master Awards
- Greater Rochester Association of REALTORS®
- New York State Association of REALTORS®
- National Association of REALTORS®
Boating, Cooking, Golf, Hockey, Paddle Tennis & a good old fashioned Day Hike!!!
Call Sondra, whether you’re a first-time homebuyer or a senior in transition call or text (585)703-4160
email:[email protected]
"Mid pleasures and palaces though we may roam, be it ever so humble, there’s no place like home." John Howard Payne
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!