Plymouth, Canton and Northville Michigan real estate listings, home buying, selling and relocation information

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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 was considered the world's tallest building one hundred years ago?
A	The Eiffel Tower in Paris, France, completed in 1889 and standing 984 feet tall, is still considered one of the world's greatest structures.
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Sandy Pattock-Beeler and Team, REALTOR®, real estate agents and broker for Plymouth, Canton and Northville Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Sandy Pattock-Beeler and Team
Coldwell Banker Preferred Realtors
44644 Ann Arbor Rd.
Plymouth, MI 48170
Direct Line: 734-416-0134
Fax: 734-454-4517
Email: SandyPattockBeeler@yahoo.com
Sandy Pattock-Beeler and Team have become the Realtors of choice in the Canton, Plymouth and Northville real estate markets for one reason, they provide each and every client an unparalleled commitment to the highest level of Personalized Service, Loyalty, and Professionalism. Sandy Pattock-Beeler and Team continually strive to exceed your expectations, making your real estate transaction a pleasureable and stress free experience, whether you’re Buying, Selling or Relocating. Sandy is the recipient of Coldwell Banker’s “International President Premier” the highest possible award for a sales associate, ranking in the top 1/2% out of 120,000 agents worldwide, and consistently achieves the #1 agent honor at Coldwell Banker Preferred Realtors. Sandy Pattock-Beeler and Team specialize in residential resale and new construction working hand in hand with local builders and developers. Call Sandy Pattock-Beeler and Team for all of your Buying, Selling or Relocation needs. We also provide leasing and rental management assistance.

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