Most often, Poconos home buyers start with finding
the right neighborhood
or community. Since there are over 200 communities
from which to choose, and it can be confusing,
you might get some suggestions, on which ones
to consider, from an experienced Poconos real
estate agent at USA Realty. Call 570 517 2428
with a short description of your ideal home
of our agents will help narrow your choice of
community or neighborhood. You might, also,
consider reading about the style or use of a
home in the Poconos first. See
Lakefront Home buying tips, Ski
homes information, or the lakeview
homes guide. The Log
Cabin and Home
Inspection pages are useful resources, too.
about the Best
Places to Live in the Poconos is also a
good place to start your search.
This web site offers insider information on
many Poconos neighborhoods and communities,
designed to give you an idea of the local market
and current MLS listings.
understand that your time is precious. Get your
Poconos real estate research done right here,
in one place. We want to make navigating the
Pocono real estate world as easy as possible
for you. You will see this on our site, and
you will see it in our service. Need Help? Call
you'd like more information about relocation, luxury
real estate, waterfront homes, or vacation properties
in the Poconos, please don't hesitate to contact.
We're happy to answer all questions, big or small.
are some quick searches to help you start:
Forget to Factor in These Extra Costs of Owning a
for the mortgage isn't the only expense that you will
need to consider when you are buying a Poconos home.
There are many other costs that you will have to think
about and these can come as a shock if you haven't
planned ahead for them. Some very enthusiastic first-time
homeowners will gloss over these costs and later find
out that their budget and paycheck is overwhelmed.
are a few of the costs that you should consider when
you are becoming a homeowner for the first time.
a home purchase is complete, you will have a whole
new series of additional costs concerned with moving
into your new home . You might be able to
ask your friends for a favor, but you may have to
spend thousands on a moving company to get all of
your things to your new home. You will also have to
pay for gas to drive back and forth to your new home
during the purchase and move in process and perhaps
also cover the cost of a hotel stay on the way if
you are moving across the country.
amount of real estate taxes that you pay will vary
depending on the state that you live in. In Pennsylvania
taxes are generally in the 2.5 to 3 % of value per
year range. In the Poconos it will depend upon the
county or school district in which you are buying
with those counties and districts further away from
the Delaware Water Gap being the lowest cost.
forget that you will also need to pay for your heating
costs in winter, air conditioning in summer and your
lights and Internet all year round. Your utilities
can really add up, so if you don't
factor them into your budget you will be in for a
surprise. Electric rates in PA can be shopped for
and tend to be lower than those in NY or NJ... so
many people choose to heat by electric. Though most
have a back up of propane, wood or wood pellets for
the coldest part of the year.
will also need to factor in the costs of repairing
your home, such as when an appliance needs to be replaced
or something needs fixing. A general rule of thumb
is that every homeowner should budget at least 1%
of the purchase value of the home to cover remodeling
and home maintenance.
don't forget about landscaping and lawn care. If you
pay a landscaping company to take care of your property
it could cost around $30-$50 per week. If you do
it yourself the costs will be lower, but
you will need to pay for the equipment and supplies
and spend a lot of your valuable time.
good thing about purchasing in the Poconos is that
there are neighborhoods where maintenance is included
in your monthly community fees. Places like Northridge
at Camelback, Snow
Ridge Village, Pinecrest
Lake and Golf Club, LaBar
Village, Stones Throw
Townhomes, Crystal Park and a few other
include some or all of the exterior maintenance in
their monthly fees.
shopping for a home it is important you be prepared
with proof of ability to buy. This may include either
a bank statement (if paying cash) or a pre qualification
letter from a mortgage lender (usually, a bank.) Prequalification
statements can easily be obtained from most lender
mortgage departments over the phone or with a
you are considering your budget for homeownership,
you will also need to factor in the amount that you
will pay in mortgage interest over the duration of
the home loan. The interest rate on your mortgage
will of course change over time, depending on the
mortgage that you select.
are just a few of the extra expenses that homeowners
need to factor into their budget when buying a Poconos
area home. If you have any more questions about home
ownership, call us at 570-517-2428 or e-mail us at