A Home - A Memory Of Life

Home Search

Set Your Budget
Know what you’re comfortable spending before you start.

Define Your Needs
List your must-haves—location, size, features—and separate them from your wants.

Work With Ciara
Get expert guidance, access to listings, and insights into the NYC market.

Explore Options
Attend tours and open houses to see what fits your budget and lifestyle.

Research Neighborhoods
Schools, amenities, and transit all shape the right fit.

Protect Your Investment
Always get a home inspection before committing.

Stay Patient
The right home is worth the wait—Ciara helps you find it.

Borrower
Person who takes out a loan (also called a mortgagor).

Conventional Loan
Mortgage not insured or guaranteed by the government.

Debt Payments
Money paid back on borrowed funds.

Gross Monthly Income
Total income before taxes or deductions.

Lender
Bank or financial institution providing the loan.

Monthly Budget
Estimate of income vs. expenses each month.

Mortgage Affordability Calculator
Tool to estimate how much home you can afford.

Private Mortgage Insurance (PMI)
Extra insurance if your down payment is under 20%.

FHA Loan
Government-backed loan with low down payment, lower credit requirements, and limited closing costs—popular with first-time buyers.

VA Loan
For military members, veterans, and eligible spouses. No down payment required and often lower interest rates.