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    • Home
    • Home Search
      • Map of Katy Neighborhoods
      • 55 Plus Communities Homes
      • Buy Before You Sell
      • Cypress Homes
      • Dream Homes
      • Find A New Home
      • Home Listings
      • Homes with pool
      • Katy Homes
      • Houston Homes
      • Fulshear Homes
      • Missouri City Homes
      • New Construction Homes
      • Land for Sale
      • Map Search
      • Richmond Homes
      • Spring Homes
      • Sugarland Homes
      • The Woodlands Homes
      • Tomball Homes
      • Foreclosure homes
      • For Lease Homes
      • Advanced Home Search
    • Home Resources
      • Apply Now
      • Home Equity Options
      • Buy Before You Sell
      • One-Stop Real Estate
      • Current Mortgage Rates
      • Stay or Upgrade Quiz
      • What Is My House Worth
      • Home Buyer's Guide
      • Home Seller's Guide
      • Owner Financing Homes
      • HAR Houston Homes
      • Houston HOA Homes
      • Real Estate Market News
    • Blog/Info
      • New Beginnings Blog
      • Contact Us
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      • Our Team
      • Real Estate Agents
    • Calculators
      • Blended Rate Calculator
      • Buy Vs Rent Calculator
      • Capital Gains Calculator
      • Closing Cost Calculator
      • Property Taxes Calculator
      • Mortgage Calculator
      • Refinance Calculator
      • Seller Net Sheet Texas
      • Mortgage Assumption Tool
      • House Affordability
      • Reno Loan Calculator
      • Mortgage BuyOut
      • Buyer Closing Cost
      • Rate Buydown Calculator
      • Real Estate Commission
      • Home Builder Discounts
      • 2-1 Buy Down Tool
      • Rental Calculators
      • BRRRR Calculator
      • Cash on Cash Returns
      • Loan Comparison Tool
      • DSCR Loans
      • Inherited property Homes
      • FHA 203K Loan Calculator
      • Energy Cost Calculator
      • Affordability of Rent
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      • Navigating Divorce Book
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      • Divorce Hub
      • Refinance Now
      • Divorce Checklist
      • Divorce Resources
      • Divorce Seminar
      • Divorce Support
      • What Happens To The House

832.483.0829

The Gifford Group

Signed in as:

filler@godaddy.com

  • Home
  • Home Search
    • Map of Katy Neighborhoods
    • 55 Plus Communities Homes
    • Buy Before You Sell
    • Cypress Homes
    • Dream Homes
    • Find A New Home
    • Home Listings
    • Homes with pool
    • Katy Homes
    • Houston Homes
    • Fulshear Homes
    • Missouri City Homes
    • New Construction Homes
    • Land for Sale
    • Map Search
    • Richmond Homes
    • Spring Homes
    • Sugarland Homes
    • The Woodlands Homes
    • Tomball Homes
    • Foreclosure homes
    • For Lease Homes
    • Advanced Home Search
  • Home Resources
    • Apply Now
    • Home Equity Options
    • Buy Before You Sell
    • One-Stop Real Estate
    • Current Mortgage Rates
    • Stay or Upgrade Quiz
    • What Is My House Worth
    • Home Buyer's Guide
    • Home Seller's Guide
    • Owner Financing Homes
    • HAR Houston Homes
    • Houston HOA Homes
    • Real Estate Market News
  • Blog/Info
    • New Beginnings Blog
    • Contact Us
    • Order Our Book
    • Our Team
    • Real Estate Agents
  • Calculators
    • Blended Rate Calculator
    • Buy Vs Rent Calculator
    • Capital Gains Calculator
    • Closing Cost Calculator
    • Property Taxes Calculator
    • Mortgage Calculator
    • Refinance Calculator
    • Seller Net Sheet Texas
    • Mortgage Assumption Tool
    • House Affordability
    • Reno Loan Calculator
    • Mortgage BuyOut
    • Buyer Closing Cost
    • Rate Buydown Calculator
    • Real Estate Commission
    • Home Builder Discounts
    • 2-1 Buy Down Tool
    • Rental Calculators
    • BRRRR Calculator
    • Cash on Cash Returns
    • Loan Comparison Tool
    • DSCR Loans
    • Inherited property Homes
    • FHA 203K Loan Calculator
    • Energy Cost Calculator
    • Affordability of Rent
  • Divorce
    • Navigating Divorce Book
    • Child Support Calculator
    • Divorce Buyout Calculator
    • Divorce Videos
    • Refinance Closing Cost
    • Divorce Real Estate
    • Divorce Hub
    • Refinance Now
    • Divorce Checklist
    • Divorce Resources
    • Divorce Seminar
    • Divorce Support
    • What Happens To The House

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Buy VS Waiting CALCULATOR

should i buy a house now or wait until 2024

 Are you on the fence about whether it's the right time to buy a house?   🏡 Let us help you make an informed decision! Our new calculator takes into account various factors to determine whether buying a house now is the best move for you or if waiting might be more advantageous. 

 

Your One-Stop Shop for Real Estate Needs

BUY VS RENT CALCULATOR

Rent vs Buy Calculator: Should I Rent or Buy?

 Are you torn between buying a home or renting one? 🏠 

Let our Buy vs Rent Calculator Breakdown guide you through the complex decision-making process! 

Making the right choice for your housing situation is crucial, and we're here to provide clarity and insights.  Apply today for a mortgage

Thinking Of Buying vs Renting?

Is Buying or Renting a Better Option? Find Out with Our Buy vs Rent Calculator

When it comes to buying a new home, it can be both an exciting and stressful experience, especially when you consider the financial implications. 

Consider both options financially before making a decision. This is where a rent vs buy calculator comes in handy. 


Read the Latest  real estate market news


Pros of Home ownership 

Homeowners may benefit from certain tax benefits.  

Provides a sense of stability and community

Buying a home can be a very good investment. You may be able to build equity.

Able to use leverage to control a large asset. 

The net worth of a homeowner is about 40 times higher than that of a renter

Can keep it as a rental ( Renting out a house for the first time)


Pros of Renting

Flexibility to move each year

Same monthly payment for the first year

Landlord handles most repairs

Low cost of entrance


What is a Rent Vs Buy Calculator? 

A rent Vs buy calculator is a tool that helps you compare the cost of renting versus buying a home over a certain period of time. This tool calculates monthly rent payments, home loan payments, down payments, insurance costs, and other expenses associated with buying and renting a home.  


The calculator then compares those costs to help you determine which option is more affordable for you.  As General Rule, If you stay in your home for 3 years, renting is cheaper than buying. Normally after 5 years, it is cheaper to own as you get appreciation for the home you're purchased. Of course, there are costs associated with selling the home and our buy vs rent calculator takes that into consideration.  Also, check to See our Seller net sheet.  


How does it work? 

The "rent vs buy calculator" compares the total cost of renting versus buying a home over time. It takes into account factors such as your current rent, the cost of the home you want to buy, the amount of your down payment, monthly mortgage payments, property taxes, and insurance, closing costs, maintenance costs, and the length of time you plan to stay in the home. 


Wondering about Property Taxes? 


With this information, the calculator estimates what renting versus buying will cost you, taking inflation into account and other changes to consider. 


This information can help you make an informed decision about whether to rent or buy. 


Why use a Rent vs Buy Calculator? 

Using a rent vs buy calculator can help you make a more informed and accurate decision about whether renting or buying is the best option for you, depending on your financial situation and goals. A rent vs buy calculator allows you to visualize the financial impact of renting versus buying over time. It helps to understand the long-term costs associated with buying a home versus renting. This information can help you make a more informed decision and avoid making a financial mistake. 


Conclusion 

When you're looking at buying versus renting, it's essential to understand the financial implications of each option. If you want to check out our Mortgage Calculator or get approved to buy today. or Keep renting and check out local rentals



A rent vs buy calculator is an excellent tool to compare the cost of renting versus buying a home. It allows you to determine which option would make the most sense financially for your situation. By using a rent vs buy calculator, you will be able to make an informed decision that aligns with your financial goals.


Read our Hidden Cost of home ownership 

Read about the different loans types   

VA Loan benefits

 

FHA home loans in Texas


How much house can i afford to buy calculator?

 

How Much House Can I Afford With 150K Salary?

 

Title Insurance, What You Should Know

Buy vs Rent Calculator which is right for you?

Buy vs Rent Calculator 

Which is right for you?

Buying makes sense in the long term

Rent payments over the years

Net worth higher for owners

A monthly mortgage payment is often considered a forced savings account that helps homeowners build a net worth about 40 times higher than that of a renter

Read more here

Landlord getting rich

That’s how much you will give to your landlord in 5 years, That’s how much you will give to your landlord in 5 years, Rents are up 18% of that last 4 years

$240,000

Definitely 10 years, you gave away 240 thousand dollars. Think about that! 

How much can you afford mortgage wise?

We are Your first Call

Your first step should always be to talk to a mortgage professional. Schedule a time speak with me today, it doesn’t matter if your already under contract, or if you are buying until next year

Real esate and Mortgage Experts:

We are Real Estate Professionals, Apply today

Contact us today

The Gifford Group can assist with home loan needs, apply now


THE GIFFORD GROUP, LLC – ALL RIGHTS RESERVED


Equal Housing Opportunity
Opening Doors to New Beginnings

Real estate services in Greater Houston through The Gifford Group, LLC.
Mortgage services available in all 50 states through Supreme Lending (NMLS #2129).


© 2025 The Gifford Group. All rights reserved. All photos, images, and videos on this website are copyrighted and may not be downloaded or reused without written permission.


Broker: Amber Gifford of The Gifford Group, LLC, Real Estate LLC, License #9014675
Information About Brokerage Services (Amber Gifford) | Texas Real Estate Commission Consumer Protection Notice

Amber Gifford, TREC Lic. #0732687 – IABS Notice
Scotty Gifford, TREC Lic. #0740987 – IABS Notice


SUPREME LENDING (MORTGAGE)
Scotty Gifford, NMLS #2357310
Mortgage lender is Everett Financial, Inc. dba Supreme Lending, NMLS #2129
Supreme Lending is not affiliated with The Gifford Group.
Scotty Gifford is both a licensed Real Estate Agent and Mortgage Loan Officer (MLO) at Supreme Lending.

© 2024 Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129
14801 Quorum Dr., #300, Dallas, TX 75254 | 877-350-5225
NMLS Consumer Access


Equal Housing Opportunity Lender. All rights reserved.


This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice and may not be available in all states. All products are subject to credit and property approval. Supreme Lending is not affiliated with any government agency.

Supreme Lending is an equal opportunity employer and does not practice discrimination based on age, gender, race, religion, national origin, or any other rights afforded to applicants under state and federal law.


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 This website is not authorized by the New York State Department of Financial Services to accept mortgage loan applications for properties located in New York. For New York applicants, please visit our New York authorized website: www.SupremeLendingNewYork.com. 

 

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