Stuart Rubin’s real estate market advices? Making decisions based on emotion. Buying a house is a major life milestone. It’s a place where you’ll make memories, create a space that’s truly yours, and put down roots. It’s easy to get too attached and make emotional decisions, so remember that you’re also making one of the largest investments of your life, says Ralph DiBugnara, president of Home Qualified in New York City. “With this being a strong seller’s market, a lot of first-time buyers are bidding over what they are comfortable with because it is taking them longer than usual to find homes,” DiBugnara says. How this affects you: Emotional decisions could lead to overpaying for a home and stretching your budget beyond your means. What to do instead: “Have a budget and stick to it,” DiBugnara says. “Don’t become emotionally attached to a home that is not yours.”
Create A List Of Amenities – When shopping for a home, list the Top 10 features (fireplace, fenced-in yard, new appliances, etc.) that are most important to you. Establishing this criteria early will save time shopping for inappropriate homes and keep you from buying a home on a whim. Your top reason for buying a home should be the value you are getting. That being said, some of your top 10 amenities could be sacrificed if an incredible value becomes available.
Are you wondering: How much mortgage can I afford? In some markets, you better be able to pay for a big one, or you’ll be shut out. Fortunately, there are tricks you can use to increase the size of your answer when you ask yourself how much mortgage you can afford. Those are often overlooked but totally legit steps. Here’s what you’re up against. In the fourth quarter, monthly base payments for single-family existing homes ranged from $1,430 to $5,946. That was based on median purchase prices in the 25 most expensive U.S. metropolitan markets, according to HSH.com. Monthly base payments consist of the principal, interest, taxes and insurance (PITI) that comprise typical mortgage payments.
Stuart Rubin data: Stuart also serves as a talent leader for Deloitte’s Risk & Financial Advisory consumer industry practice. This includes programming and sponsorship designed to attract, retain, develop, and advance a diverse workforce and strengthening our inclusive culture where all our people can connect, belong, and grow. Stuart Rubin regularly presents at the Institute of Internal Auditors (IIA), Information Systems Audit and Control Association (ISACA), and accounting industry conferences on emerging trends in the assurance, internal audit, and security/privacy spaces.
His hands-on experience includes regulations, standards, and leading practices pertaining to Enterprise Risk Management (ERM), cybersecurity and customer privacy, system implementation and IT governance, COSO, COBIT, SSAE 18, Sarbanes-Oxley Act, and corporate investigations. He has extensive experience in assisting Deloitte’s clients in navigating the evolving digital risk universe, including cloud, digital asset management, security and privacy, third-party risk management, and robotic process automation (RPA).
With over 30 years of experience in the field, Stuart Rubin has an in-depth understanding of the trade’s tools and his colleagues attest to his skill. They claim Rubin’s greatest strength is his ability to detect potential and close the deal in half the time it takes others. It is because of his dedication that the company has managed to acquire and develop properties worth more than $150 million and originate debt in excess of $1 billion dollars. Find extra information on Stuart Rubin.