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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 two streets near the Los Angeles Beverly Center were named for a famous husband and wife comedy team?
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| A |
George Burns Drive and Gracie Allen Way |
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Sandi Reeder and Associates
Keller Williams Realty
9201 Montgomery NE, Ste 101
Albuquerque, NM. 87111
Mobile: 505-269-9498
Office: 505-271-8200
Fax: 505-323-3291
Email: Sandi@SandiReeder.com
Say Yes to CRS!
Buying or selling a home can seem like an overwhelming task. But the right REALTOR can make the process easier-and more profitable.
A Certified Residential Specialist (CRS), with years of experience and success will help you make smart decisions in a fast-paced, complex and competitive real estate market.
To recieve the CRS Designation, REALTORS must demonstrate outstanding professional achievements - including high-volume sales - and pursue advanced training in areas such as finance, marketing, and technology. They must also maintain membership in the NATIONAL ASSOCIATION OF REALTORS and abide by its Code of Ethics.
Work with the top 4 percent of REALTORS in the nation. Contact a CRS today.   
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