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.

Buyer Information Request form. First & Last name.

Fill out form correctly please. First and last name with caps on first
letter,
Email must be accurate to receive the homes.
Accurate phone incase I need more information or to verify for
Cheapest sailboat homes password.
All information is strictly confidential.
Thank you! Now let's get started.....

Best Buys Request Form

*1 Primary City of interest:
Phone:
*Email:
*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? yes or no:
*Saltwater canal desired? or..:
*Or..Fresh water canal not to Gulf:
*Oldest built home acceptable (ex. 25 yrs):
Any details to help me help you.:
*First Name "Required":
*Last Name "Required":
*cell phone w area code:
*Home phone w area code:
*Best time to call you?:
Check;Phone, full name is correct.:
*Name:

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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