Carmel, Fishers and Westfield Indiana 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	On what famous American street can you find the most expensive retail space for rent anywhere in the world?
A	Fifth Avenue, New York City, U.S.A. offers retail space for rent at the rate of $580 per square foot.
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The Fast Sinclair Home Selling Team, REALTORŽ, real estate agents and broker for Carmel, Fishers and Westfield Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)

The Fast Sinclair Home Selling Team
Keller Williams Realty
11711 N. Meridian, Suite 100
Carmel, IN 46032
Beverly direct: 317 846-FAST (3278)
Toll Free: 888-456-FAST (3278)
Cell: 317-213-FAST (3278)
Fax: 317 846-5959
RaeJean Cell: 317-710-7488
Email: Fast@IndyHouseFinder.com
I am co-owner of Keller Williams Realty, Indianapolis Metro North. I have my CRS and GRI designations, as well as being a graduate of the Real Estate Academy of Leadership. I was rookie of the year for Graves Real Estate in 1992 and then worked for Century 21 for 10 years. I was a 7-time centurion, achieving the "hall of fame" award and selling over $20 million my last year with them. Although I'm a native Texan, born in Dallas and raised in Ft. Worth, I met my Hoosier husband while I was the Director of Music at Reese Air Force base in Lubbock. As a singer and composer, I have enjoyed working with and for the public and have been inducted into the International "Who's Who" in music. I have taught music at both Texas University and Texas Tech., where I received a Masters and Ph.D. respectively. I bring these creative, people skills to my career in real estate.

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