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Request My Free Relocation Package!
Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate! If you will be moving, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. I'll send you every home or property that is currently available that matches your criteria. When you visit, I'll be ready! We will visit the neighborhoods and homes that interest you the most. In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you. Remember: As a top REALTOR®, it's my job to know this area inside and out, and I want to make your transition as smooth as possible. To get started, fill out the form to request my FREE Relocation Package. I'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong...
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First Time Buyers >Affording A Home
Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.
As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.
Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.
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| Q |
What does the common acronym FSBO (pronounced fizzbo) stand for?
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| A |
For Sale By Owner. (Between 85 to 95% of existing homes are sold with a Realtor's help.)
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