6330 Germantown  Ave.        
Helping you buy a home with ease ...                Philadelphia, PA 19144

           Buying A Property
       Is it time to stop paying rent and wasting your hard earned money!
   Buying a home is more than just a financial decision. It’s about finding the right house
   in the right neighborhood-at the right price! Despite slowdowns in some markets,
   housing remains a good long term investment. Homeowners accumulate wealth for the
   future while enjoying the benefits of a shelter that they can improve and sell.

   No two home buying experiences are the same and some people find the process of
   buying a home a little intimidating and sometimes overwhelming. Finding the right
   experience passionate real estate agent can make all the different and improve your
   overall buying

   How Much Can I Afford? A review of your credit, income, saving, monthly expenses
   and debt will be necessary.
   Early on in the process you’ll want to get pre-qualified for a mortgage loan, which
   determine how much you can afford. It enables you to move swiftly when you find the

   Show me the money!
     1. What is your monthly gross income?
     2. Your monthly debt?
     3. Your credit history?
     4. The amount of the funds you have available for down payment,
         closing costs and cash reserves?
     5. How will you be buying? FHA? VA? Conventional? Or Cash?

   Lenders use another figure to evaluate how much you can afford is the housing
   expense-to-income ratio. It is determined by calculating your projected monthly
   housing expenses, which consist of the principal and interest payment on your new
   home loan, property taxes and hazard insurance (also known as PITI).

Equal Housing





            MLS Realtor