How much house can you afford? – Sunny Spot Realty, Inc

Before You Look at Your First House

Experienced home buyers know that one of the first-steps in beginning a successful search for a new house is taking a hard, objective look at finances. Determining how much money you can dedicate to the purchase of your new house affects almost every aspect of buying a new home - including how we write the offer, which mortgage programs you will qualify for, shopping for the best mortgage loan and which homes are truly in your price range.

Here are the questions that each home buyer should ask:

How much cash is available for a down payment? The amount you have available for a down payment will affect what types of loans for which you can qualify. Learn more.
Am I ready to write a check for the earnest money? Earnest money is a cash deposit made to a home seller to secure an offer to buy the property. This amount is often forfeited if the buyer decides to withdraw his offer.
How much additional cash will be available to pay for closing costs? There are certain standard costs associated with closing the sale of a house. These fees are split between the buyer and the seller, as spelled out in the sales contract. Learn more.
What is the maximum monthly mortgage payment that I can afford? Most lenders will use the 28/36 rule to determine the maximum mortgage payment you can afford.

The 28/36 Rule for prime rates
No more than 28% of your gross income can be applied to your mortgage, real Estateeee taxes and insurance. And no more than 36% of your gross income can be applied to your mortgage expenses plus your regular debt expenses (car payments, credit cards, other loans, etc.).

We have many other programs that are very liberal. We have 0% down and much more. My Broker is an expert at finding you the right program with the lowest interest and fees.

Information Request form for buyers only.

It is a fact that less than 3% of internet leads relsult in bonifide sales.
I want to prove that this is mis-managing potential buyers.
If you are serious, I am as well.
I will prove to you your time is not wasted.
Lets move on with the form. Please fill in first and last name with
caps on the first letter. The rest is simple.
If you are ready let's go......

Best Buys Request Form

*1 Primary City of interest:
*Name:
*Email:
Phone:
*City you are located:
*State you are located:
*Type of home, House, condo etc.:
*I am ready to purchase now! Yes or No.:
If above is no, then when? Date.:
*Date you will look at homes:
*Realistic Price Range:
*Are you familiar with this area?:
*# of bedrooms 2,3 etc.:
*Aproximate living area, 1,900 etc:
*Pool? yes or no:
*Getting a mortgage?:
Make sure phone and email is accurate. :
Any details to help me help you.:
*cell phone w area code:
*Home phone w area code:
*Best time to call you?:
*Will use Joe (Buyer Broker)Exclusively? Yes,No:

Note: Fields with an * are required

Call today! (239) 770-0686 Joseph Beauvais (Buyers Agent) to set up a time to view and buy any offerings.

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