Find out How Much Mortgage Can You Afford

You can save yourself a lot of wheel-spinning if you take a minute to figure out how much mortgage you can afford. Generally, a lender will want your monthly mortgage payment to total no more than 29% of your monthly gross income (that's your monthly income before taxes and other paycheck deductions are taken out.) You also need to consider current loan interest rates. The lower the interest rate, the more expensive the home you'll be able to afford.

I can help focus your attention on homes that are realistically within your budget. Better yet, I can help you find the hottest values as they come to market, so that you get more for your money.

Why Should I Buy, Instead of Rent?

You'll love the feeling of having something that's all yours - a home where your own personal style will tell the world who you are. A thriving vegetable garden in the backyard, a tiled entryway, a yellow kitchen...when you own, you can do it all your way! But there's more to owning a home than personal satisfaction. You can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes, too. And interest will compose nearly all of your monthly payment , for over half the number of years you'll be paying your mortgage. This adds up to hefty savings at the end of each year. And you're also allowed to deduct the property taxes you pay as a homeowner. If you rent, you write your monthly check and it's gone forever. Another financial plus in owning a home is the proven possibility its value will go up through the years.

I can help you make a wise business investment by finding the perfect first home for you. Just tell me what you are looking for and I'll make sure you'll be aware of every possible new listing in the area that matches your needs.

Inspiring Food for Thought

"Motivation is what gets you started. Habit is what keeps you going."
– Jim Rohn

Who is considered a first time Home Buyer?

Did you know that if you do not currently own a home and have not owned a home within the last 3 years, you would be considered a first time home buyer and might qualify for special first time home buyer loan programs? This is true and definitely worth looking into.