06/10/2026
Before you decide what you can afford, separate the approval number from the comfort number 🏡
A pre approval can tell you what may be possible.
A full payment conversation helps you understand what actually makes sense in real life.
Here is what I would want you to look at before you start house hunting:
1️⃣ Principal and interest
This is the mortgage payment most buyers think about first.
2️⃣ Property taxes
Taxes can make two homes with the same price feel very different month to month.
3️⃣ Homeowners insurance
Insurance depends on the home, the location, and the coverage you need.
4️⃣ HOA fees
If the home has an HOA, that cost needs to be part of your real monthly budget.
5️⃣ Utilities
Electric, gas, water, internet, and regular household costs still matter after closing.
6️⃣ Maintenance and repairs
Homeownership feels better when you are not surprised by every future expense.
This is why I do not want buyers only asking, “Can I afford this?”
The better question is:
“What will this home actually cost me every month, and will that payment still feel comfortable after I move in?” 🤍
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If we have not met yet, I am Alex Sarkeshik at Optimum First Mortgage.
✅ 28+ years of experience
✅ Same day pre approvals
✅ Fast closings in 21 days or less
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✅ Licensed in CA, OR, WA, FL, TX, AZ, VA, SC, ID, PA, OK, CO, and TN
NMLS 335813 | CA DRE 01192601
