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New York State Fair Housing Notice
For buyers / Buyer course / Lesson 3
Lesson 03 of 13 · 3 minute read

Decide what the home must do for you

A beautiful kitchen can make it surprisingly easy to forget a difficult commute or a layout that does not work. Make your priorities clear before the showings start.

Separate a requirement from a preference

A must-have is something that makes the home workable for your life. A preference improves it but leaves room for a trade-off. A deal-breaker is something you are not willing or able to take on. Write all three lists and agree on them with anyone making the purchase with you.

Be specific. “Enough space” is difficult to evaluate. “A quiet room where I can work with the door closed” gives you something to check. A household with mobility needs may prioritize an accessible entrance and a usable first-floor bathroom over an extra bedroom upstairs.

Use the three Ls

Location, layout, and lot deserve attention before finishes. You cannot move the property to a different commute. Changing a layout may require structural work and permits. A larger lot may create opportunities, but also adds upkeep and does not guarantee that an addition or accessory structure will be allowed.

Walk through an ordinary day in the home. Where do coats and groceries go? Can you comfortably use the stairs? Where would you work, park, do laundry, or store equipment? A floor plan that photographs well can still make daily life awkward.

Think ahead without buying unused space

Consider how your needs could change over five to ten years: work arrangements, household size, accessibility, maintenance preferences, and the likelihood of moving. More space is worthwhile when it solves a realistic need and fits the budget. It is not a reason by itself to spend every dollar you can borrow.

If your plans are uncertain, compare the costs and flexibility of buying and renting. There is no universal number of years that makes buying the right choice. Buying and later selling both involve costs, and future resale prices are uncertain.

Test the list against actual homes

Keep a short list you can use at every showing. Record whether each requirement is met, uncertain, or missing. Put a verification task next to any uncertain item. Do not assume that a finished basement is approved living space or that a wall can be removed.

After a few tours, revise the list deliberately. You may discover that a smaller house with a better layout works well, or that your price range requires a different search area. Change a priority because you understand the trade-off, not because you feel rushed to buy.

Keep in mind

Bring the same list to every showing. A consistent comparison helps when several houses start blending together.

Put it to work

Your next step

Use page 3 of the workbook to record:

  • Five must-haves, stated in practical terms
  • Preferences I could trade away; deal-breakers I will keep
  • Location, layout, and lot: what needs verification?
  • Likely changes in my needs over the next five to ten years
Open the worksheet (PDF, page 3)

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I work with buyers across western and central Suffolk County. Bring your questions, whether you are planning ahead or already looking.

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Educational guidance by Thomas Brady, Licensed Associate Real Estate Broker, Vintage American Realty, LLC. Updated September 11, 2026. Your lender, attorney, insurer, and other qualified professionals should confirm the requirements for your purchase.