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Tips for Buying 1st Home

Morgage Calculator - Click here
How much your new house should cost you each month

Credit Score should be 740 +
Mortgage, Insurance + Taxes =
<31% of Income (Pre Taxes)

Other Debts (credit cards, car loans, etc) =
<43% of Income (Pre Taxes)

Conventional Loans usually require 20% Down
Can do 10% Down -
(will require Additional Fees)

Government Loans (FHA) requires 3.5% Down
For more information - Visit

"Location, Timing, Condition are Most Important"

Start your home selling process with an evaluation of your home's value based on available local market data.  Contact me for a FREE, no obligation Comparative Market Analysis. 

Who do YOU know that might be thinking about Selling their Property
in this Great "SELLERS" Market?

Difference between SHORT SALE  vs FORECLOSURE

7 Reasons Why Now Is a Great Time to Buy a Home:

Recent history has reframed some of what had long been taken for granted about buying a home. Namely, we’ve learned that even though buying a home remains one of the best and safest investments available, a home should not function as an ATM or a short-term speculation strategy. So, where does that leave us? A lot smarter, able to recognize an opportunity when we see one, and aware of the facts that point to now as the prime time to buy a home.

Home affordability is at an all-time high. The median mortgage payment on the median-priced home, as a percentage of the median household income, is lower than it’s been in a generation.
Mortgage rates are at rock bottom. It’s hard to imagine interest rates going much lower, and when they start to inch back upward, monthly payments and total loan costs will spike upward.

Home prices are back on the rise. After declining for 30 months, home prices are trending back upward. The time to get in the market is now.

Sellers are motivated. This means that buyers have the upper hand. Sellers are fiercely competing among an excess of housing inventory, which often means buyers have untold choices and negotiating power. 

Financing is readily available. Banks are back in the game and ready to lend to well-qualified buyers.

Owning vs. renting is increasingly favorable. Since 2009, the average principal and interest payment has fallen below the average rental rates, and the gap is now wider than it’s been in the past 22 years.

Homeownership is still at the core of the American Dream. Owning a home is critical to financial stability and wealth building. It’s a forced savings account, a place to live, and a fabulous tax deduction.


If You or Anyone You Know Is Struggling with Mortgage Payment
Contact me To See If You Can Qualify for a Short Sale,
Do Not Wait until It Is Too Late!!!

If You Know of Anyone Who Is Seeking Help with their mortgage payments:
An official program of the Departments of the Treasury & Housing and Urban Development: 
Free Counseling Help Homeowner's HOPE Hotline (888 995 HOPE)

Click here to read about - "Working with Real Estate Agents"