The Stuart Sinclair Team is one of The Top Selling Real Estate Experts™
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Welcome > Sitemap > For Sellers ...
For Home Sellers:
Why Sellers Choose The Stuart Sinclair Team - Why home sellers in Bolton, Caledon and Brampton choose The Stuart Sinclair Team. Property Valuation - How much is your Bolton, Caledon and Brampton home worth? Free Presentation - Free in-home listings presentation on marketing your Bolton, Caledon and Brampton, in Caledon Region and Orangeville County Ontario property. Go to Main Sitemap - Main sitemap sections include Find Bolton, Caledon and Brampton Homes, For Home Buyers, For Home Sellers, Bolton, Caledon and Brampton Information, Real Estate Resources, and About The Stuart Sinclair 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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| Q |
What little-known folk remedy is said to help keep bats away from your home?
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According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats! |
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