We're here to help

Despite what some people say, buying or selling a home is not the largest, scariest decision you'll ever make. Eventhough it is a major decesion, you will want profissional help. We can:
• talk about why you wish to purchase a home.
• discuss the best methods to help you get your home sold quickly.
• offer you tips on how to best market your home for sale.
• discuss affordability and market conditions.
• talk about lifestyles and neighborhoods.
• outline ways to view and compare homes.
• narrow the choices and show you the best options.

Some people start looking for a home without any idea about what they can afford or the market value of their current home. The best advice is to first determine how much of a house you can afford, then when you start your search, you will not look at houses out of your price range which can be a hugh disappointment.

Mortgage companies generally look at your income to determine how much money they will lend. Two usual methods are listed below.
• 28 percent formula: Total monthly housing principal plus interest plus taxes plus insurance equals 28 percent or less of your gross income (before taxes)
• 36 percent formula: Total monthly housing principal plus interest plus taxes plus insurance plus all monthly debts equals 36 percent or less of your gross income (before taxes)

To be sure about your financial qualifications we recommend that you get pre-approved. This is where you visit a morgage company and get quilified to purchase a house. They will give you a good idea as to how much you should spend for a home.

You may Get Pre-approved here