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Welcome > Pre-Foreclosure and Foreclosures...

Complete this form for up to date information on foreclosures in our market. TeamWorks-FLA- has a team specializing in foreclosures. Contact us now to see how you can take advantage of this market.

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School Reports in Palmetto, Anna Maria Island, Bradenton and Sarasota, Florida

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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 place is known as "America's Stonehenge"?
A	A 4,000 year-old stone constructed megalithic site located on Mystery Hill in Salem, Massachusetts.
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TeamWorks-FLA-, REALTOR®, real estate agent and broker for Palmetto, Anna Maria Island, Bradenton and Sarasota, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

TeamWorks-FLA-
Keller Williams Realty of Greater Manatee
908 Riverside Dr. #280 On The Water
Palmetto, FL 34221
941-779-5149
Fax: 941-729-7441
Contact@TeamWorksFLA.com

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