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Real Estate Tips

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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Real Estate Trivia

Q	What does the term Curb Appeal mean?
A	This term describes how homes look from the street; this first impression is very important to prospective homebuyers.
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Betty Kerr, REALTOR®, real estate agent and broker for Palm Springs, Palm Desert and Rancho Mirage, home listings, property and land for sale - NUMBER1EXPERT

Betty D. Kerr
Keller Williams Realty
47-170 Washington Street
La Quinta CA 92253
Cellular: (760) 250-9326
Fax: 760-601-3099
E-Mail: BettyDKerr@gmail.com
I can handle the most complicated transaction. I work FULL-TIME at my profession. You can always reach me easily and can be assured of a quick, helpful response. You'd be hard pressured to find a REALTOR with a more enthusiastic or positive attitude. I love what I do and let it show. Having people trust me with their single largest asset is a responsibility I take very seriously. I will give you 110% because I know that my success is your satisfaction. While past results may not be the only measure of success when it comes to referring your friends and family, can you think of anything more reassuring to go by?

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