Figuring Out What You Can Afford

 Buying a home in beautiful Upstate NY can be a rewarding experience! Before you start this adventure, it's smart and advantageous to know what you can afford.

You can start by crunching the numbers yourself using our selection of calculators at When you're ready to move to the next step, you can get pre-approved for a mortgage. This process can often be performed in under an hour and it accomplishes two important goals.
First, it will tell you how much house you can afford and what your monthly payments would be.

Second, it tells the seller that you can afford to buy their home. By definition, a pre-approved buyer  has an approved mortgage subject to an appraisal of the property. Many times a buyer can use this pre-approved status as leverage during the negotiation process. At CENTURY 21 Chesser Realty, we can handle all your real estate needs.  We have offices in Otsego County in Oneonta, NY and Delaware County in Delhi, NY - the home of the Catskillls in Upstate NY.

Don't forget to check out our website on a regular basis at to view 1000's of listings!
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