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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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Q	What celebrity home sold recently for a reported $5.5 million, despite its yellow-and-rust striped paint job?
A	This Hollywood Hills residence was the former home of the popular singer, Madonna.
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Charles Holt
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Team Christine, Inc, REALTORŽ, real estate agents and broker for Acworth, Kennesaw and Cartersville Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Christine &Team Christine, Inc.
RE/MAX Realty Group, Cartersville
319 E. Cherokee Ave.
Cartersville Ga 30120
Direct: 770-386-0076
Toll Free: 1-888-386-1079
Fax: 770-386-4005
christine@teamchristine.com
For over a decade, Christine and her team have been serving the North Georgia real estate market. As one of the leading real estate teams in the area, Christines focus is on listening and acting on behalf of her clients special needs. Consistently ranked in the Top 1% of RE/MAX agents nationwide, Christine has been recognized by RE/MAX International with the RE/MAX Lifetime Achievement and Chairmans Awards. She has recently been inducted into the RE/MAX Hall of Fame and Ranked in the TOP 100 Teams by Communities Magazine. Christine has attained the GRI (GRADUATE OF THE REALTOR INSTITUTE), CRS (CERTIFIED RESIDENTIAL SPECIALISTS) and ePRO (CERTIFIED INTERNET PROFESSIONAL) designations, she consistently strives to further her education and professional skills by attending the latest real estate seminars and conferences. Recognized by top sales organizations in the industry, Christine has had the privilege to teach and coach her peers to advance the real estate profession. Christine is known in the industry as a skillful negotiator and progressive in her field. As a Technology Team that Brings Home Results, Christines team offers a unique perspective that is focused on exceeding customer satisfaction when buying or selling property. With sales experience that includes corporate sales, nationwide relocation, foreclosures and luxury homes, we bring highly specialized marketing, negotiating and problem solving skills to work for you. If you demand professionals with a high level of energy, enthusiasm and market knowledge that culminates with results, then look no further. We have proven experience to provide unparalleled ethical service beyond your expectations.

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NUMBER1EXPERTS™ in real estate for Acworth, Kennesaw, Acworth, Kennesaw and Acworth, Kennesaw and Cartersville, Georgia, buyers agency, waterfront homes

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