Mt. Airy, Roxborough and Northwest Philadelphia Pennsylvania 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 is the most common name for a city in the United States?
A	Fairview is the most common city name, according to the 1996 Top Ten of Everything Book.
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Philadelphia Moves

Louise D'Alessandro & Janice Manzi
Elfant Wissahickon Realtors
1511 Bethlehem Pike
Flourtown, PA. 19031
215-233-3434 x 514
215-852-9312
215-680-7616
Fax: 215-233-0903
Email: philadelphiamoves@NUMBER1EXPERT.com
We give our clients exactly what they need in real estate agents – insiders’ access to all available homes, expert negotiating skills, clear communication and thorough attention to detail....What initially attracts homebuyers to Northwest Philadelphia and the bordering communities in Montgomery County, are the unique stone houses, the extraordinary parkland, and the vibrant shopping and dining. What keeps them here are the vibrancy and the diversity of the people who live here....If you are looking to buy or sell in the communities of Chestnut Hill, Mt. Airy, Roxborough, East Falls, or Manayunk; or the bordering communities in Montgomery County, such as Springfield Township, Whitemarsh, Cheltenham, Flourtown, Erdenheim, Wyndmoor, or Oreland, contact Louise D'Alessandro and Janice Manzi. We can help you move your dreams forward.

Louise D'Alessandro - license# RB-044908-A
Janice Manzi - # RS-284974

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