Great article! You brought up some important points that many first-time buyers overlook. Maintenance costs really do sneak up and can cause serious regret if you're not prepared. I also agree that researching the neighborhood is crucial—nothing worse than discovering issues after moving in. Lately, I’ve been keeping an eye on mortgage rates Utah offers, and it’s surprising how much rates vary by location. It really shows how important it is to crunch the numbers carefully before committing. Homeownership is rewarding, but planning ahead makes all the difference!