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Glenda Williamson ABR CRS GRI LTG is one of The Top Selling Real Estate Experts™
Glenda Williamson LTG, is one of The Top Selling Real Estate Experts™
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Local Info: Forsyth, Mt. Zion and Decatur Illinois home buying, real estate listings, and homes for sale in Macon County, IL

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Race for the Cure 2008

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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 land did the U.S. Government buy for $7.2 million?
A	The U.S. bought all of Russian America (Alaska) from the Russian Czar in March 1867.
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Glenda Williamson ABR, CRS, GRI, LTG,, REALTORŽ, real estate agent and broker for Forsyth, Mt. Zion and Decatur Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Glenda Williamson, ABR, CRS, GRI, LTG
Glenda Williamson Realty
1110 W Arbor Dr, Suite D
Decatur, IL
62526
Office: 217-875-8081
Toll Free: 877-475-9972
Fax: 217-875-8110
Glenda@GlendaWilliamson.com
When it comes to succeeding in the Decatur and surrounding area real estate market, you want to enlist the best team possible to help you reach your goals. Thats where Glenda Williamson Realty comes into play. Glenda has built her reputation as an industry leader by offering people extremely caring and comprehensive service during the sale or purchase of their home. With an experienced support staff by her side, she has the resources, insight and experience to ensure you get the specific results youre looking for during the sale or purchase of your home. As a result, Glenda Williamson Realty has become a growing tradition for families throughout Decatur and the surrounding area who want to make the most out of their move. Here are just a few of the unique advantages that Glenda Williamson Realty has to offer.

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