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The Albrecht Team, REALTORŪ, real estate agents and broker for Indianapolis, Carmel and Geist Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
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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Real Estate Trivia
Q 
What does "contingency" mean in real estate?

A 
A contingency is a specified event that must take place before a home purchase contract is binding; for example, a sale can be said to be "contingent upon the sale of the buyer's current residence."
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The Albrecht Team, REALTORŪ, real estate agents and broker for Indianapolis, Carmel and Geist Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)

The Albrecht Team
RE/MAX Real Estate Groups

8555 North River Road, Suite 100
Indianapolis, IN. 46240
Direct: 317-819-3388
Toll Free: 800-876-1596
Fax: 317-819-3366
Email: team@keithshomes.com

Thank you for visiting my site. I look forward to the opportunity to help you buy or sell a home in the Indianapolis area. I have a full team of experienced professionals on hand to help you. We can uniquely offer: · The ability to work with RE/MAX's #1 Sales Volume Agent in the State of Indiana for 1999, 2000, 2001, 2002, 2003, 2004, 2005 & 2006! · FREE use of the Albrecht Team Van · FREE money savings reports you can access via this web site · FREE market analysis of your home · A Client Care Manager, Marketing Director, Buyer Specialists and Closing Coordinator- all dedicated to providing you superior service · I will guarantee the sale of your home, or I will buy it! Please take a few moments to navigate this site. Search the listings and take advantage of our free reports. If you see something you like, please call or e-mail me. I look forward to working with you in the sale or purchase of your next home.

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RE/MAX Real Estate Groups real estate and homes for sale in Indianapolis, Carmel and Geist Indiana

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