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Turning your vacation home dream into reality

Kay Carlson Realtor can help turn your Prescott vacation home dream into realityIf you dream of owning a Prescott vacation home but find yourself a little intimidated by the prospect, it might actually be easier than you think. Kay Carlson Realtor - Remax Mountain Properties can help make your dream into a reality.

Here’s a guide to help you consider your options:

Focus on your lifestyle
Tradition dictates that you should own your primary residence before owning your vacation home, but why? Instead, buck the system by using your lifestyle to match your primary residence and vacation choices. Think about your lifestyle. If you dwell on the thought of clean air, beautiful days, vast forests and outdoor fun why not rent a modest condo in the city and spend your money on a beautiful vacation home?

Understand the total cost of owning it
Determining what you can afford can be done in seconds by any lender. Consider the cash you have available for the down payment, closing costs and reserves. If you plan on owning two homes, your lender will expect you to be able to afford the total debt and monthly payments for both properties. To avoid risk, you should also plan for the things that lenders don’t consider in their qualifying calculations including:

  • Insurance
  • All utilities
  • Furnishing a new residence
  • Costs to travel between residences
  • Maintenance costs: cleaning, landscaping, repairs and spa/pool upkeep

Make an offer using a local real estate agent
Your real estate agent will be familiar with and able to clarify local taxes, commissions, and transaction fees as well as advise you on the particulars unique to your location. It takes someone local to be able to give you expert advice.

By following these steps, your closing will be a breeze and you'll be relaxing in your Prescott vacation home before you know it. If you don't want to wait any longer to enjoy the rest of your life, call Kay Carlson Realtor - Remax Mountain Properties today at 928-778-1010.

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