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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.

	See All Tips In The "First Time Buyers" Category >
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Bonnie Fagoh
C21 Beggins Enterprises
6542 US Hwy 41 N Ste 1
Apollo Beach, FL 33572
Office: 813-658-1344
Fax: 813-658-1477
Cell: 813-390-7606
BonnieFagoh@NUMBER1EXPERT.com

Bonnie Fagoh Awarded Centurion ** Bonnie Fagoh of Tampa Coastal Homes at Century 21 Beggins in Apollo Beach Florida has been awarded Centurion level recognition AGAIN this year!*** In a year that experts have noted as a difficult one, Bonnie has quietly gone on with what she loves and that is helping families sell their current homes at the best price the market will bear and/or find fantastic deals in this coastal community and it shows! She had her best year yet in 2011. "What I have found in 2011 is that many people are very frustrated with the "foreclosure bargains" that they had considered, only to find after many aggravating months and much frustration with the lenders that it is just not worth the wait. They miss out on some great buys waiting on short sale approval, or are outbid on a bank owned property. Of course, these distressed properties are "as is", in need of repair and neglected so they may not be the "best deal". I have helped families buy brand new homes with full warranties and close in 30 to 45 days. (Many short sales take 4 to 6 months or more and can "fall apart" right at closing). Some big national builders having recently started raising their prices showing how well this market has bounced back. Investors have also come back into the market, snapping up the homes under $200,000. You don't have to compete with these cash buyers on new homes, and you get full warranties and closing cost assistance from builders. Of course all the normal due diligence has to be performed. For example, what is the history of the neighborhood? Many of these factors cannot be determined from photos or a written description... No, in today's market as competitive as it is it pays to go with a pro that is very knowledgeable about the local area. You need to know that a Realtor is serious about the profession. " I have lived in my area since 1990 and in Tampa Bay since 1965 so the trends to me are clear, says Bonnie." Contact me and I will be happy to show you our beautiful Tampa Bay and Apollo Beach area and the wonderful deals we have in this coastal community!

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NUMBER1EXPERT™ for Tampa homes for sale, Apollo Beach homes for sale, and Fishhawk homes for sale, Florida - Tampa Bay Real Estate, Tampa Luxury Villas FL

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