|
|
|
 |
|
Find Cobb, Middletown and Kelseyville Homes:
Feature Homes - Homes for sale, listings, properties, & other real estate in Cobb, Middletown and Kelseyville, California, with virtual tours, photos, and more. Serving Lake County Real Estate.
National Listings Databases - Homes for sale in national American USA web site listings databases of properties.
New Construction - New homes for sale, new construction and newly built properties and real estate subdivisions
Unique & Luxury Homes - Home buyers, find luxury homes, real estate, beach front properties, mansions, & acreage/land for sale on these top national & international listings web sites.
International Properties - Find international homes for sale on these international/global real estate web sites from Canada, Europe, France, Germany, UK, Great Britain, Spain, Italy, Asia, Africa, and beyond.
Search ALL the Experts' Homes - Search the best local homes for sale from all the real estate experts, agents, REALTORS®, and brokers.
Go to Main Sitemap - Main sitemap sections include Find Cobb, Middletown and Kelseyville Homes, For Home Buyers, For Home Sellers, Cobb, Middletown and Kelseyville Information, Real Estate Resources, and About Timothy Toye & Associates.
Please Sign Up For The
Latest Listings and the Latest Real Estate News
 |
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.
|
 |
|
Get the Latest Listings Before Anyone Else!
As soon as I list another home for sale, I'll email you. You'll know first.
Find Out More >
|
|