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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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Where would you go to enjoy a soak in the world's largest bathtub?
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The Spa Resort Hawaiians in Fukushima, Japan, offers an outdoor soaking tub that occupies a total area of 10,760 square feet and can accommodate 1,500 persons at one time. |
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Sharon Sutherland
Gloriod & Associates
660 South Pointe Court, Suite 200
Colorado Springs, CO 80906
Cell: 719-491-7496
Fax: 719-576-2918
Office: 719-785-4120
SharonSutherland@NUMBER1EXPERT.com
sharonsutherland@gloriod.com
My philosophy for success is to provide excellent service to my clients in their real estate transactions, making their experience a most positive and enjoyable one. My personal commitment is to provide specialized care to every client using my experience, my integrity, my enthusiasm for my job, and my love of people to focus on their real estate needs and to be attentive to the details and goals that are important to make every transaction a successful one!
I grew up in Colorado Springs and have lived here since 1965. Consequently, I am very experienced with this market and understand what it takes to buy and sell a home in Colorado Springs or the surrounding areas. I have worked as a Real Estate Broker Associate with Gloriod & Associates for the past nine years. I specialize in resales, new home sales, new construction, relocations, and custom home sites. I have earned designations as a Certified Residential Specialist (CRS) and a Graduate REALTOR® Institute (GRI). I would appreciate the opportunity to share my real estate knowledge and experience with you by partnering with you to sell your home and/or assisting you in finding the home of your dreams!
If you are looking to buy or sell in Colorado Springs, Monument, Northgate, Pine Creek, Briargate, Broadmoor, Woodland Park or any surrounding areas please call me today!    
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