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5 Signs You Are Ready to Buy a Home

Are you tired of paying increasing rental rates and watching that money go straight into your landlord’s pocket? Are you always saying ‘one day in my house I’ll have…’? Or, are you wishing you could make permanent design changes? Well, sounds like you might be in the market to buy a home.

Unfortunately, no one can tell you when you’re ready to become a homeowner. Buying a home is most likely the biggest purchase you’ll ever make. While buying your first home is thrilling, your excitement shouldn’t be overshadowed by the responsibility of it all. Ultimately, it’s up to you to determine if you’re ready. Here are some common signs that you might be ready to buy your first home:

You’ve Been Renting Long Enough – The average age to buy a house is 31, but sometimes life gets too busy and you push back buying a house till your 40’s. While that’s not always true, it does happen. When that happens, you look back at how much rent you’ve spent during that time. You’re probably thinking, Yikes! How much did I spend on rent?! Now, take those numbers and plug them into a home mortgage calculator. You should now realize you could be sitting on tens of thousands of dollars of equity if you would have bought a home years ago, instead of putting that money towards rent. If you’ve been renting for 2+ years and you’re fairly confident nothing drastic will change in your life in the near future, you’re probably ready to buy your first home. Remember, the longer you wait, the more money you lose that goes straight into your land lord’s pocket instead of your dream home and the more interest rates and home prices will rise.

You Have a Reliable Source of Income – Let’s face it, money is usually the largest motivating factor when purchasing your new home. If you’re fresh out of college or living paycheck to paycheck, it’s not conducive to owning a home. However, if you’ve started a career and are confident that you will be continuing and growing with this chosen career and staying in the same city, then purchasing a home makes sense.

Your Financially Prepared for What Lies Ahead – While shopping for and buying a new home is the fun part, what isn’t so enjoyable is having your fridge give out just weeks after closing. The days of calling your landlord to have the problem fixed are gone. In short, you’re paying for all sorts of things you didn’t have to before, but because you’ve saved and are financially ready, you’re ready for these sporadic costs.  So in addition to having enough money to pay the down payment on a new home AND the 2.5% in estimated costing costs you need to close that property, you also need to have an additional small nest egg to pay for unexpected repairs.
You’re Ready to Commit to One Place – The general rule of thumb – you need to live in your new home for at least five years before you regain the costs of buying it (ie. the closing costs). So, if you’re ready to buy a home think about a few things: 1) The city you’re living in. Do you love it? 2) Your job and job security. 3) Are you ready and willing to live in one neighborhood for the next several years?

You Genuinely Want It – Home ownership isn’t for everyone. Look into buying a home because you genuinely want it. That means being ready for all the freedom, opportunities, and potential challenges that come with it.

Well? What do you think after reading those common signs? Are you ready to buy a home? If you have any questions about purchasing a home, feel free to reach out to us at or 717.963.0016.


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Gina Casner

In 2016, I began my tenure in real estate as a licensed Executive Assistant for a leading real estate training coach and subsequently for high-producing real estate teams. I very quickly fell in love with real estate and by 2019, I transitioned into personally helping clients turn their dreams into keys. After dozens of transactions, I have been dubbed the “unicorn hunter,” finding out-of-the-box solutions for clients looking for a home with unique requirements. In addition to managing my real estate practice, I am involved in providing community education on responsible home ownership through my exclusive Path to Home Ownership workshop series. I also am the founder of Chronically Strong, an organization that promotes mental health awareness and suicide prevention in our local communities. I take a holistic and individualized approach to real estate. Buying or selling a home in Central PA can be complex, sophisticated and often a deeply personal endeavor. Your experience should mimic the high level of customer service all of my clients have, while being very specific to your own individual needs. I work with a team of experts to provide a full, complete experience that only a cohesive team can consistently provide. Working with us, you will be given personal attention in every aspect of your home buying and selling experience with the professionalism and consistency of a thoughtful business model. And yes, superior results will follow! On a personal note, I attribute my success not only to my passion for helping clients execute on their next “big move”, but also to my knowledge regarding the psychology of buying and selling. My clientele works in diverse industries with an emphasis on technology, finance, medicine, law, and business. My real estate practice has grown successfully and consistently thanks to the repeat business of happy clients and their introductions to friends, family and neighbors. This track record is only possible because we deliver both results AND an enjoyable experience. Growing up, my family moved frequently all across the continental U.S., but you will hear me say that I am from California because that is the longest place that I lived during my formative years. Moving became a way of life for my family and each place I lived became a part of my story. It taught me that our home truly is the foundation of everything in our lives, and it is this belief that compels me to work hard for my clients when they are buying or selling their home. In many ways, our home becomes a part of our identity, an identity and memory that should be honored. I have been accused of being tenacious and super honest. I like to win (for my clients) but do so with a calm demeanor and a smile. I live in a raised ranch home in Lower Paxton Township with my main squeeze, my teenage son, and our very spoiled dog, Ginger. I have mad faith, and truly believe that each and every one of us is capable of great things. I graduated from Penn State University with a Bachelors’ in Sociology. There is a running joke in my family that every day I go to real estate school because every day my clients teach me something new. I continually invest time, money and thought into the latest sales, marketing and negotiation techniques. Why? Because I believe that you deserve to have the best working for you. I want to live life on my own terms, and am committed to helping you do the same. Would you like to work together? Please reach out. I look forward to hearing from you! Gina

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