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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 is considered one of the key elements of the American dream?
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| A |
Home ownership is considered to a key to the American dream; more than 2 million first-time buyers bought property last year. |
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Randal and Cindy Whipple Team
Prudential Real Estate Professionals
497 Oakway Road, Suite 400
Eugene, OR 97401
Office: (541) 984-2526
Fax: (541) 984-2585
RandalandCindyWhipple@NUMBER1EXPERT.com
The Randal & Cindy Whipple Team is Eugene's #1 Realty Team with more than $38 million in annual sales. They rank in the top 1% of Prudential agents nationwide. Randal is a former stock broker and local CBS television news anchor. Cindy offers more than 20 years of real estate sales and management experience. Their team of real estate professionals is ready to work for you!    
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