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"Very Happy"
Just wanted to say thanks for all of your assistance and hard work! I was very happy and pleased with everyone in the Paton-Showley Group and appreciate everyone's kindness and help. I felt very comfortable with you and Candice. Thanks for making my first home purchase an enjoyable and smooth transaction.
"Thanks", Sara W.
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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 four states in the Southwest are noted for having boundaries that touch.
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| A |
New Mexico, Arizona, Utah and Colorado, referred to as the "Four Corners", have adjoining boundaries. |
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Deb Paton-Showley Group
Coldwell Banker Roth Wehrly Graber
2580 Walton Blvd.
Warsaw, IN 46582
Direct: 574-268-3438
Fax: 574-267-4443
Mobile: 574-527-6022
dshowley@cbrwg.com
psghomeinfo@dishmail.net
We pride ourselves on serving our clients to the best of our ability. We are proven experts in lake properties, new construction, residential, and lots & land for Warsaw, Winona Lake, Syracuse, Leesburg, and all of Koskiusko county. We specialize in selling homes on Lake Wawasee, Lake Tippecanoe, Syracuse Lake, Webster Lake, Barbee Chain of Lakes, and Winona Lake. We also specialize in custom homes located in Shadow Lake Estates and Eagle Crest Development in Warsaw, IN. Relax, at Paton-Showley Group, we do the work for you! Give us a try today.    
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