Most lenders require that your monthly payment range between 25-28% of your gross monthly income.  Your mortgage payment to the lender includes the following items:

• The principal on the loan (P)
• The interest on the loan (I)
• Property taxes (T),
• The homeowner’s insurance (I). 

 Your total monthly PITI and all debts (from installments to revolving charge accounts) should range between 33-38% of your gross monthly income.  These key factors determine your ability to secure a home loan: Credit Report, Assets, Income, and Property Value.

For more information or if you have any questions, feel free to contact me. My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. You deserve the best and I enjoy providing you with the best! It’s as simple as that.

A Good Realtor can help you with the following:

· Saving you endless amounts of time, money, and frustration.

· Share their knowledge on the housing market inside and out and can help you avoid the “wild goose chase.”

· Assist you with the purchasing of any home, even if it is listed elsewhere or if it is being sold directly by the owner.

· Know the best lenders in the area and can help you understand the importance of being pre-qualified for a mortgage.

· Can discuss down payments, closing costs, and monthly payment options that suit you.

· An excellent source for both general and specific information about the community such as schools, churches, shopping, and transportation - - plus tips on home inspections and pricing.

· Experienced at presenting your offer to the homeowner and can help you through the process of negotiating the best price. 

· Bring objectivity to the buying transaction, and can point out the advantages and the disadvantages of a particular property.

We can do all of this for you and more! And the best thing about us is that all of this help normally won’t cost you a cent! I look forward to exceeding your expectations.

As a licensed real estate professional we provide much more than the service of helping you find your ideal home.  Realtors  are expert negotiators with other agents, seasoned financial advisors with clients, and superb navigators around the local neighborhood.  They are members of the National Association of Realtors (NAR) and must abide by a Code of Ethics and Standards of Practice enforced by the NAR.  A professional Realtor is your best resource when buying your home.

My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. You deserve the best and I enjoy providing you with the best! It’s as simple as that. For more information or if you have any questions, feel free to contact me.

Many buyers apply for a loan and obtain approval before they find the home they want to buy.  Why?

Pre-qualifying will help you in the following ways:

1. Generally, interest rates are locked in for a set period of time.  You will know in advance exactly what your payments will be on offers you choose to make.

2. You won’t waste time considering homes you cannot afford.

Pre-approval will help you in the following ways:

1. A seller may choose to make concessions if they know that your financing is secured.  You are like a cash buyer, and this may make your offer more competitive.

2. You can select the best loan package without being under pressure.

I look forward to assisting you in this process! For more information or if you have any questions, feel free to contact me.

Here are some tips of things you should know about buying a home:

1. Property taxes and qualified interest are deductible on an individual’s federal income tax return.

2. Often, a home is the largest asset an individual has and is considered one of the most valuable investments available.

3.  A portion of each amortized mortgage payment goes to principal which is an investment.

4. A home is one of the few investments that you can enjoy by living in it.

5.  A realtor can usually show you any home whether it is listed with a company, a builder, or even a For Sale By Owner home.

6.  Working through a realtor to purchase a For Sale By Owner home can be very advantageous because someone is looking out for your best interest.

7. Your Real Estate professional can provide you with a list of items you’ll need to complete your loan application so you’ll be prepared.

8. A homeowner can exclude up to $500,000 of capital gain tax if married and filing jointly or up to $250,000 if single or filing separately.  The home must have been the taxpayer’s principal residence for the previous two years.

9. Ask the Real Estate professional if they are familiar with the neighborhoods where you want to live. 

10. Ask the Real Estate professional whom he/she is representing in the transaction.

12. Ask the Real Estate professional what he/she will do to keep you informed.

 For more information or if you have any questions, feel free to contact me. My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. You deserve the best and I enjoy providing you with the best! It’s as simple as that.