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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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What are the characteristics of classic Queen Anne architecture?
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Queen Anne homes are the most elaborate, romantic and feminine of all Victorian Homes. |
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The Carlson Real Estate Team
Hampton Roads Realty Pros Inc. / Keller Williams
1100 Volvo Parkway
Chesapeake, VA 23320
757-328-0174
Fax: 757-430-3350
chriscarlson@cox.net
Led by Chris Carlson, a military veteran and 2010 HRRA "Circle of Excellence" award winning agent, we use the latest technoglogies, market research and aggressive business strategies to exceed your expectations. Our website is full of information regarding homes for sale in Virginia Beach, Homes for sale in Chesapeake, Suffolk, Portsmouth, Norfolk, Newport News, Hampton and the perfect place for your real-estate search. Our website updates daily to include all the newest homes for sale in Virginia Beach, foreclosures sale and bank owned sale. Whether you are looking to buy or sell, we have professionals from every facet of the real estate industry, from lenders to settlement and insurance to property management that will help guide you through the entire process.   
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