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Construction and save up to 3%

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and get up to $500 Rebate

Buy a New Construction Home
in Texas & Save up to 2%
Sell a Home in the Houston
Area & Save up to 1%
Buy a Pre-Owned Home in the
Houston Area & save up to 1%
 
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 Jill Aylwin Realtor Texas Cash Back Real Estate

Jill Aylwin - Real Estate Broker, Realtor, MBA
Contact Us
 Realtor MLS
    Ph: (281) 334-CASH

 

  The First Place to Start when Purchasing a Home:

How much can I afford?

It's important to be objective about your finances. Once it's determine how much money you can devote to your new home, you can start narrowing down which homes you would like to preview, and possibly make an offers on.

Every home buyer should answer the following four questions:

  • How much cash do I have available for a down payment?

The amount you have available for a down payment will affect what types of loans for which you can qualify.

  • Am I prepared to write a check for the earnest money deposit?

Earnest money is a cash deposit made to a trust account (escrow account). This deposit will typically be credited back to the buyer of the home at closing. The deposit is a sign of good faith that you are seriously interested in buying the home and then secures the offer to buy the property. This amount is often forfeited if the buyer decides to withdraw his offer.

  • How much additional cash will I need to pay for closing costs?

There are certain standard costs associated with closing the sale of a house. These fees are split up between the buyer and the seller, as spelled out in the sales contract. Find out More.

  • What is the maximum monthly mortgage payment that I can afford?

 

As a general rule of thumb, most lenders will use the '28/36 rule' to determine the maximum mortgage payment that you can afford.

The 28/36 Rule

No more than 28% of your gross income can be applied to your mortgage, real estate taxes and insurance. And no more than 36% of your gross income can be applied to your mortgage expenses plus your regular debt expenses (car payments, credit cards, other loans, etc.).

 

Buy a New Construction Home
in Texas & Save up to 2%

 

Contact Us today -- Or --
Call us anytime at (281) 334-CASH

 

 
Buy a New Construction Home
in Texas & Save up to 2%
Sell a Home in the Houston
Area & Save up to 1%
Buy a Pre-Owned Home in the
Houston Area & save up to 1%
 

Texas Cash Back Real Estate
Jill Aylwin / Real Estate Broker, Realtor, MBA
Contact Us or Call: (281) 334-CASH

 Texas Realtors        Realtor MLS


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