Are you planning to buy a house in the near future? Whether you’re moving from a rental or your family’s house to a house or condo of your own, upsizing to accommodate your growing family or changing needs, downsizing to simplify your daily life and reduce maintenance expenses, or simply relocating to a new community, there is a lot to prepare yourself for. Moving into new place can be exciting and frightening at the same time. Here are some questions to ask when buying a house:

  1. What are ALL of the known expenses and anticipated expenses?

    This is one of the most important questions to ask when buying a house. Most buyers consider their mortgage and interest costs, but they neglect to factor in additional expenses such as property taxes, insurance, PMI, HOA or condo fees, and other community-related expenses.

  2. What are the current maintenance and repair needs and/or what are anticipated future needs?

    Do you foresee needing to replace the roof or windows in the near future? What are the current and anticipated energy expenses, and how do those fluctuate seasonally? Are increases expected for the condo or HOA fees? Is the water heater on its last leg? In addition to the obvious historical expenses, you’ll want to consider those maintenance and repair costs which may be incurred in the first year or two after you move in.

  3. How is the community?

    Meet the neighbors, take a walk around, check out the other houses in the area. Is this a community that feels inviting to you? Is it convenient for your needs? Do the neighbors take care of their properties? These are all things that will impact your life, and the future value of your house, so you’ll want to give yourself an opportunity to get to know the area as if you already live there.

  4. What are your non-negotiables and what are you willing to compromise on?

    It’s a tough real estate market for buyers, and you’ll want to be able to quickly make a decision when you find a house that suits you. Knowing what your absolute must-haves are: 3 bedrooms, large backyard, 2 bathrooms, etc. and what you’d be ok going without or adding yourself in the future: garage, deck, fireplace, etc. will make it much easier to make a quick decision when the time comes.

  5. How long will you stay?

    As with question #4, this will help you to make decisions on whether you want a move-in-ready or newly-built house, or if it would make more sense for you to save some money on the overall investment by purchasing an older house or one in need of repairs and renovate it over time

There are just a few recommended questions to ask when buying a house. Ready to start the process of buying a new house? Schedule an appointment with a mortgage lender to learn more about residential mortgage options available in New Hampshire.

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Homebuyer Questions


  1. Marcus Coons on

    I agree with you in that it is important to consider the community when planning on getting a house. It is important to remember that doing this can help you find a place where you can be safe and have good relationships with your neighbors. We want to get a bigger house for our growing family, so I’m glad I found your page.

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