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Why You Should Just Buy The Nicer Home.


When buying a home a lot of factors are put in such as location and size, but the most important factor is whether or not you can afford it. We’re told “be cautious”, “be smart”, even to “be practical”, but what if the smartest, the most practical option, is the one that puts you in the home you actually want, not the one you’re going to settle for because it’s a safer gamble financially?

Now I’m not saying go buy a mansion that is three times what you can afford, let’s be real here, you won’t get past your bank,  at least not without a down payment that looks like Bill Gates’ electric bill. However, what I am saying is upping your budget a bit for maybe a larger floorplan, or a better location, you know, the kind of comforts that appeal to your classier tastes without totally destroying your budget and leaving you in financial ruin.

But that’s all talk right? It’s hard to make an argument without numbers, so look at it this way. Principal and Interest (P&I) on a 200k house at four percent is about $955 dollars a month. If you were to raise the budget to say 250k the P&I goes up to only $1,193. Now that 50k won’t bring you from a starter home to a smoking hot pad in Beverly Hills, but in a first time buyer market it greatly improves space and location for a measly $238 a month.

The concept works similarly on houses that are twice the value. P&I on a 400k house (still at 4%) is $1906 a month. Opt to buy a 500k house instead, you will be paying $2387 per month. The increase of $477 can make a world of difference in the house you buy and how you feel about it.

So don’t go house poor! If you can’t afford that extra $238 or $477 maybe it’s time to cut back a little. Don’t eat out so much, or see a matinee instead of a night showing. Maybe even trade in your expensive car for the model below it! These are small prices to pay for heavy savings. Little sacrifices that can make where you live something you love, instead of what you settled for.

To find out what your options are, call National One Mortgage, and we’ll help you get where you want to go.


About National Realty Group

National Realty Group was founded in October 1991 by Jeff Maas. It started as a two man office but soon grew to a medium sized office. One of the original agents formed a new home development company soon after. Steven Walker Homes is now a large national home builder. Southfork Mortgage Company Corp. was founded in April 1990 by the owner of a large home builder. Jeff Maas stepped in as its Broker in September 1993. With the help of Jeff Evens, Jeff Maas was able to expand the company. In July 1994, the owner of Southfork retired and Jeff Maas and Jeff Evens purchased the company. They continued the growth and soon built it into a multi-million dollar corporation. National Realty Group remained separate until Jeff Maas sold it to Southfork Mortgage in 1996. This allowed the owners to expand National Realty Group while allowing its agents to provide mortgage services to their clients. In 1996, a branch office of Southfork and NRG was opened in San Bernardino. It was later moved to Redlands in the most well-known office in the city. In 1998, they opened an office in Temecula in the Temecula Valley Bank office. The offices were expanded and closed 45 million in real estate and loan transactions in 1998. In 1999, Jeff Maas purchased the company from Jeff Evens becoming sole owner and broker. Shortly after the name was changed to National One Mortgage Corp. The company outgrew its 3000 square foot office in Riversideand moved to a building of approximately 6000 square feet. The growth continued at a spectacular rate. The company grew to over 40 agents within one year. The expansion continued with the addition of 2800 square feet and later adding more space for a combined total of nearly 13,000 square feet. At our peak we had over 125 agents and 12 employees in the Riverside office alone. During the summer of 2003, we opened an office in Temecula at the corner of Rancho California and Margarita. This office was soon bursting at the seams with 42 agents and 3 full time employees. Due to the increased demand for our unique programs, by the public and real estate agents, offices were opened in Corona and Ontario in early 2005. The year saw more amazing growth with offices opening in Moreno Valley, Hemet, Las Vegas and Norco. Rancho Cucamonga and Phoenix opened the first part of 2006. A Murrieta office opened summer of 2007. The economy has not been kind to many real estate and mortgage companies. We have remained strong and successful. Our business model of a One-Stop Shop provides the exact service and convenience the Home-Buying public desires and needs.



  1. Pingback: Does Moving up Make Sense? | National Realty Group - September 27, 2015

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