Hey! If you're thinking about buying a home, here are four factors to consider:

Number 1: The long-term value. Typically, homes are appreciating assets, which means the value usually goes up the longer you own it.

Number 2: Payments. A portion of your monthly payment goes to your original loan and toward owning the home. The balance goes to interest. The larger the down payment, the more the original loan or principal will be covered with your payment.

Number 3: Taxes. Bad news: You will have to plan to pay property taxes in your county and possibly your city. Good news: Mortgage interest and property taxes are usually tax-deductible.

Number 4: Customization. When you own a home, you get to remodel and improve it to suit your needs and style.

For more information about buying a home, visit Southern Bank's Money Mentor.

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