{"id":10339,"date":"2022-06-25T00:30:21","date_gmt":"2022-06-25T06:30:21","guid":{"rendered":"https:\/\/www.whitecoatinvestor.com\/?p=10339#d=202206"},"modified":"2026-04-26T13:41:49","modified_gmt":"2026-04-26T19:41:49","slug":"buying-a-home-the-right-way","status":"publish","type":"post","link":"https:\/\/www.whitecoatinvestor.com\/buying-a-home-the-right-way\/","title":{"rendered":"How to Buy a House the Right Way"},"content":{"rendered":"<p>My<a href=\"https:\/\/www.acepnow.com\/article\/tips-for-physicians-on-buying-a-home-right-away\/\" target=\"_blank\" rel=\"noopener\"> ACEP NOW article<\/a> from a few years ago was about buying a home. It's no secret that I was on my third home (and my eighth mortgage at the time) and that the first couple didn't work out all that well for us.<\/p>\n<p>Though <a href=\"https:\/\/www.whitecoatinvestor.com\/were-debt-free\/\" target=\"_blank\" rel=\"noopener\">we paid off the mortgage<\/a> in 2017, those homes and mortgages certainly haven't been the secret to our wealth building. That said, I do think buying a home once you're in a stable job (and probably not before) is a good idea.<\/p>\n<p>Here's a question to ponder when thinking about purchasing a new home and what you should think about before actually doing so:<\/p>\n<blockquote><p>My spouse and I are interested in buying a home. However, we\u2019re terrified to spend so much on one single item. What should we know before taking the plunge?<\/p><\/blockquote>\n<div class=\"my-4 text-center\"><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/3p5yAKuqmRU\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<p>I am continually fascinated by the burning desire among graduating medical students and even residents\u2014and particularly their spouses\u2014to purchase a home as soon as humanly possible despite having a net worth of -$200,000 or -$300,000. For many people, owning their home is a signal to themselves and others that they have finally \u201cmade it.\u201d Combine that signal with heavy marketing from the realty and mortgage industries, and we see far too many doctors purchasing the wrong house at the wrong time and at the wrong price. Although it is certainly possible to get lucky, there are several important financial principles doctors should understand to buy their home properly.<\/p>\n<p>There are lots of great reasons to own your own home, including the fact that you can have as many pets as you like, you can paint the walls whatever color you prefer, and the landlord can never throw you out on the street. Financially speaking, there are many significant benefits of owning a home. You avoid paying rent, you get to keep any price appreciation, and you can usually deduct mortgage interest and taxes. Most mortgage payments are fixed, so as the years go by, the mortgage actually gets cheaper on an after-inflation basis rather than increasing with <a href=\"https:\/\/www.whitecoatinvestor.com\/inflation-basics\/\" target=\"_blank\" rel=\"noopener\">inflation<\/a> as rent generally does. For most people, a paid-off home reduces required minimum monthly income dramatically, which further reduces the need for <a href=\"https:\/\/www.whitecoatinvestor.com\/what-you-need-to-know-about-disability-insurance\/\" target=\"_blank\" rel=\"noopener\">disability insurance<\/a>, <a href=\"https:\/\/www.whitecoatinvestor.com\/how-to-buy-life-insurance\/\" target=\"_blank\" rel=\"noopener\">life insurance<\/a>, and a larger portfolio nest egg.<\/p>\n<p>However, there are time periods in life when owning your home is not such a great financial move. As a general rule, it does not make sense to purchase a home if you will not be in it for at least five years. During a housing boom, you may break even in less time, but in a housing bust, it may take two or three times that for your home to return to its purchase price, much less break even on the deal.<\/p>\n<p>Rookie home buyers nearly always underestimate the non-mortgage expenses of owning a home. These include the transaction costs of buying and selling (expect a round-trip cost of 15% of the value of the home), maintenance costs (1%-4% of the value of the home each year), insurance, taxes, upgrades, furnishings, landscaping, lawn care, snow removal, and homeowner\u2019s association fees.<\/p>\n<p><strong>More information here:<\/strong><\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/benefits-of-paying-off-mortgage\/\" target=\"_blank\" rel=\"noopener\">Benefits of a Paid-Off House<\/a><\/p>\n\t\t<div class=\"blue-horizontal-divider mt-5\"><\/div>\n\t\t<div class=\"row blog-midpage-as my-4\">\n\t\t\t<div class=\"col-lg-6 mx-auto mb-3 mb-lg-0\">\n\t\t\t\t<div class=\"as-placeholder mx-auto\" data-wci-as=\"3\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-lg-6 mx-auto\">\n\t\t\t\t<div class=\"as-placeholder mx-auto\" data-wci-as=\"4\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"blue-horizontal-divider mb-5\"><\/div>\n\n<h2>Is a Home a Good Deal for You?<\/h2>\n<p>Too often, prospective first-time home buyers believe real estate agents who say you should buy because \u201cthe mortgage is less than your rent\u201d or \u201cyou don\u2019t want to keep throwing money away, do you?\u201d What rookie buyers don\u2019t know, however, is well-known by real estate investors. The mortgage is supposed to be dramatically lower than rent. That\u2019s because the landlord has to pay all those other expenses. A real estate investor expects about 45% of gross rent to go toward non-mortgage expenses. To compare apples to apples, multiply your prospective principal and interest payment on a 30-year mortgage by 1.8. If renting a comparable home is much less than that figure, there is a very good chance you will be better off renting unless you are in the home for a very long time.<\/p>\n<p>Even when purchasing a home makes sense, it is critical to realize that a home purchase is mostly a consumption item, not an investment.<\/p>\n<p>Given these and other economic realities, it generally does not make sense for an EM resident to purchase a home. If you think you are an exception, run the numbers using The New York Times' \u201c<a href=\"https:\/\/www.nytimes.com\/interactive\/2014\/upshot\/buy-rent-calculator.html?_r=0\" target=\"_blank\" rel=\"noopener\">Is It Better to Rent or Buy?<\/a>\u201d calculator and see how much appreciation you will have to realize just to break even, much less come out ahead. In fact, most attendings would do far better renting for 6-12 months out of residency. This allows physicians to stabilize their finances, make sure the job is working out, and provide a much more thoughtful and deliberate housing search\u2014all of which enable a much stronger negotiating position.<\/p>\n<p><strong>More information here:<\/strong><\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/pros-of-renting\/\" target=\"_blank\" rel=\"noopener\">Is Renting Better Than Buying? Why We\u2019re Financially Independent and Renting<\/a><\/p>\n<p><a href=\"https:\/\/www.whitecoatinvestor.com\/10-reasons-why-residents-shouldnt-buy-a-house\/\" target=\"_blank\" rel=\"noopener\">10 Reasons Why Residents Shouldn\u2019t Buy a House<\/a><\/p>\n<h2>Be a Savvy Home Buyer<\/h2>\n<p>Rookie home buyers usually don\u2019t realize how good their negotiating position is. There are usually dozens of similar homes on the market at any given time (though housing markets since 2021 <a href=\"https:\/\/www.whitecoatinvestor.com\/wall-street-impact-on-housing-crisis\/\" target=\"_blank\" rel=\"noopener\">have dramatically favored sellers<\/a>). While there are occasional seller\u2019s markets, home buyers should understand that it\u2019s a buyer\u2019s market most of the time. If you can avoid falling in love with a house, you may be surprised at just how good of a deal you can get on a perfectly acceptable house.<\/p>\n<p>Even when purchasing a home does make sense, it is critical to realize that a home purchase is mostly a consumption item, not an investment. Larger homes require more money to heat, cool, maintain, furnish, landscape, insure, upgrade, and clean. Try to buy a home closer to what you truly need rather than everything you could possibly want. Although a mortgage lender may approve you for a home costing 4-5 times your gross salary, you would do well to make sure your mortgage is less than two times your gross income. So, if you make $250,000, the general rule is that your loan amount should be less than $500,000.<\/p>\n<p>In recent years, many lenders started offering <a href=\"https:\/\/www.whitecoatinvestor.com\/personal-finance\/the-doctor-mortgage-loan\/\">physician mortgage loans<\/a>. These are loans that banks will give to a physician that allows them to avoid private mortgage insurance (PMI). PMI protects the lender against you defaulting without your putting down a standard 20% payment. These loans usually also offer special underwriting that will allow you to close with just a contract rather than proven earnings, and they may take your student loans into special consideration.<\/p>\n<p>It is important to realize that these lenders aren\u2019t doing you a favor out of the goodness of their hearts. These physician mortgage loans have slightly higher fees and interest rates than comparable conventional mortgages. The banks are also well aware that your risk of default is very low and hope you will then use their bank for your banking, investment, and insurance needs. A physician loan can make sense but only if you are using the money you would have used for a down payment for a better financial purpose, such as paying off high-interest <a href=\"https:\/\/www.whitecoatinvestor.com\/ultimate-guide-to-student-loan-debt-management-for-doctors\/\" target=\"_blank\" rel=\"noopener\">student loans<\/a> or making retirement account contributions.<\/p>\n<p>If you aren\u2019t already using 15%\u201325% of your attending gross salary to build wealth (ie, saving\u00a0or\u00a0paying off debt), then purchasing a home, with or without a physician mortgage loan, probably isn\u2019t a great idea\u2014at least until you get your financial house in order.<\/p>\n<div class=\"blog-cta-snippet\">\nHave more questions about whether a physician or <a href=\"https:\/\/www.whitecoatinvestor.com\/home-loans\/\" target=\"_blank\" rel=\"noopener\">a conventional mortgage<\/a> is right for you? Let us introduce you to <a href=\"https:\/\/www.whitecoatinvestor.com\/personal-finance\/the-doctor-mortgage-loan\/\" target=\"_blank\" rel=\"noopener\">the best mortgage lenders<\/a> in the business, vetted by WCI and thousands of readers.<\/div>\n\n<p><strong>What has your home-buying experience been like? Did you feel pushed into buying too soon or into buying too much house? What mistakes have you made? Do you recognize that &#8220;burning desire to buy a home?&#8221;<\/strong><\/p>\n<p><em>[This updated post was originally published in 2015 at <a href=\"https:\/\/www.acepnow.com\/article\/tips-for-physicians-on-buying-a-home-right-away\/\" target=\"_blank\" rel=\"noopener\">ACEPNow<\/a>.]<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"Doctors may purchase a home without thinking about the consequences. Here are tips to buy the right home at the right time at the right price.","protected":false},"author":1,"featured_media":293342,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_wp_convertkit_post_meta":{"form":"-1","landing_page":"","tag":"0","restrict_content":"0"},"footnotes":""},"categories":[3816],"tags":[7118,3817,97,909],"class_list":["post-10339","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-house","tag-attending-physician","tag-home-purchasing","tag-mortgage","tag-new-attending-physician"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Buy a House the Right Way | White Coat Investor<\/title>\n<meta name=\"description\" content=\"Doctors may purchase a home without thinking about the consequences. 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