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Welcome > Sitemap > For Buyers ...
For Home Buyers:
Why Buyers Choose The Holmquist Team - Why homebuyers looking for a real estate agent in the Chester, Long Valley and Mt. Olive area choose The Holmquist Team. Latest Listings - Get The Holmquist Team's latest Chester, Long Valley and Mt. Olive listings of homes for sale first! Find Your Perfect Home - The Holmquist Team will search for your ideal home and email you the newest Chester, Long Valley and Mt. Olive MLS listings of properties in Morris County NJ. First Time Homebuyers - Are you a first time homebuyer in Chester, Long Valley and Mt. Olive, NJ? Choose a top real estate agent. The Holmquist Team can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Chester, Long Valley and Mt. Olive house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find Chester, Long Valley and Mt. Olive Homes, For Home Buyers, For Home Sellers, Chester, Long Valley and Mt. Olive Information, Real Estate Resources, and About The Holmquist Team.
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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 unique type of home is making news as an affordable, environmentally-friendly housing alternative?
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Straw bale homes may well become the non-toxic, affordable home of choice in the future. |
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The Kelly Holmquist Team
Keller Williams Towne Square Realty
59 East Mill Road
Long Valley, NJ 07853
Cell: 908-451-4676
Fax: 908-946-0211
Office: 908-867-7109
KellyHolmquist@NUMBER1EXPERT.com
For All Your Real Estate Needs!
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NUMBER1EXPERT®
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