A $300,000 asking-price ceiling can include different kinds of Garner homes. Compare a detached house and a townhome by the bills and maintenance each would leave you with, not just the asking price. This price range includes qualifying residential property types and homes listed at exactly $300,000.
Ask your lender for a property-specific estimate that includes taxes, insurance and mortgage insurance when applicable. Add HOA dues and other charges you would pay separately. The CFPB's Loan Estimate explainer can help you identify what is included in the lender's figures.
For an older home, request repair receipts, permits and warranties for major work, then use an inspection to investigate the property's condition. For a townhome or condo, request the association documents and find out who pays for the roof and exterior. A lower asking price can still come with a substantial early repair bill.
Confirm the home's taxing jurisdictions and utility providers using the property address. Then try the actual trips you expect to make, including work, shopping or the airport. Our Garner guide explains the town-limit, service and travel questions to compare before choosing homes to tour.
Send the property address and your question about HOA dues, repair receipts or the costs you would pay at closing.
Ask about a Garner homeFurther reading: CFPB: understand your Loan Estimate