Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Dwight E. Hathaway, a proven North Brunswick, New Brunswick, South Brunswick and East Brunswick, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Find North Brunswick, New Brunswick, South Brunswick and East Brunswick Homes - Find North Brunswick, New Brunswick, South Brunswick and East Brunswick, New Jersey real estate listings & homes for sale provided by Dwight E. Hathaway, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Dwight E. Hathaway, a proven North Brunswick, New Brunswick, South Brunswick and East Brunswick, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Dwight E. Hathaway, a proven North Brunswick, New Brunswick, South Brunswick and East Brunswick, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. North Brunswick, New Brunswick, South Brunswick and East Brunswick Information - Find local information on North Brunswick, New Brunswick, South Brunswick and East Brunswick, New Jersey including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Dwight E. Hathaway, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Dwight E. Hathaway, a proven North Brunswick, New Brunswick, South Brunswick and East Brunswick, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. About Dwight E. Hathaway - Information about Dwight E. Hathaway including testimonials, guarantees, credentials, and contact information. Learn why Dwight E. Hathaway is a proven North Brunswick, New Brunswick, South Brunswick and East Brunswick, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. 
Please Sign Up For The Latest Listings and the Latest Real Estate News
 |
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.
|
|
| Q |
What is considered one of the key elements of the American dream?
|
| A |
Home ownership is considered to a key to the American dream; more than 2 million first-time buyers bought property last year. |
 See More Real Estate Trivia > |
|
NUMBER1EXPERT®
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.
|
- NUMBER1EXPERT™ 
