For The Buyer

      Buying a home is one of the most monumental events in a person's life and should be an enjoyable and rewarding experience. People are often apprehensive about starting the process. Relax, by your taking the initiative and making it to this web site, you have taken a step in the right direction. Let's start with a simple fact: Anxiety is basically not knowing what lies ahead. Fortunately,  I am here to help you through the process. 

	To begin, determine how much money you are willing to invest in your new home. These funds may come from savings, the proceeds from the sale of your current home or both. If you are counting on receiving money from the sale of your current home, a little more planning will need to  be done. I have included some financial calculators to help you through the process: Rent vs Buy Calculator - Use this calculator to illustrate how much you will save in the long run by buying your own home versus paying rent. Home Affordability Calculator - This calculator computes the most expensive house you can buy based on the highest payment you can afford, but does not indicate whether you would qualify for the loan. Mortgage Qualification Calculator - Most lenders base their home loan qualification on both your total monthly gross income and your monthly fixed debt expenses. Fixed debt expenses include property taxes, mortgage insurance (PMI), association dues, and credit card payments. Fixed Rate Loan Payments -This calculator computes the payments (principal and interest) for a fixed rate loan, using monthly interest compounding and monthly payments. Adjustable Rate Loan Payments - This calculator computes the estimated payments and interest for an adjustable rate loan, where the rate increases by the maximum amount allowed at each interval until it reaches the rate cap. Advanced Loan Calculator - This calculator computes any one of the following given the others: the home price, number of payments, payment amount, or interest rate. Leave one of the first four fields blank to solve for that value. Loan Comparison Calculator  - This calculator will help you compare the total cost of any two or three loans. This analysis includes the effect of a tax deduction for interest. If the interest is not deductible, or if you do not want to show the effect of the tax deduction, choose an income tax rate of zero. Refinance Calculator - When you refinance at a lower interest rate, you usually pay refinancing costs including points, fees, and closing costs. This calculator will tell you if the amount you save in interest will exceed these refinancing costs. The calculated results depend on how long you plan to keep this property. Extra Payment Calculator - This calculator computes the monetary advantage to paying extra principal with your payments.
	Next, analyze how much space you will need. The more family members, the more places you will need to hide! Do you have teenagers? If so, an extra bathroom may be in order.
	Are there or will there be school aged children? You may want to visit and check out the local schools. Click Here to visit our school information page.
	Back yard, big enough? Play ground close by?
	Are  the Shopping and Banking centers convenient?
	How will the area effect your commute to and from work?  Click Here to view neighborhood statistics.
	Now, the fun stuff! Cape, Ranch, Contemporary? What should your dream house look like?