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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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Sara Littlefield, REALTORŽ, real estate agent and broker for Darien, Rowayton and New Canaan Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Sara Littlefield
William Raveis Real Estate
22 Old Kings Highway South
Darien, CT 06820
Office: 203-655-1423
Cell: 203-253-3350
VM/Fax: 203-653-0908
Email: sara.littlefield@raveis.com
Sara Littlefield, a respected professional in the real estate market, is always on the cutting edge of the industry. Clients want fast, high sales, and Sara delivers just that. Prior to joining William Raveis Real Estate in April 2010, her Prudential sales ranked in the top 2% of the company nationwide which includes 75,000 plus real estate agents. She has also received the Prudential Legend award for five consecutive years as a top-selling real estate leader in this changing global marketplace--and top sales and/or listing agent in Prudential CT's Darien office from 2002 through 2009. Sara has been honored with many customer service achievement awards during her career, earned through customer satisfaction ratings. Her clients especially appreciate her calm, good counsel, and focused and responsive approach to their real estate needs. Sara brings to her clients nearly two decades of marketing, advertising, PR and consulting expertise earned at Apple, Xerox and Priceline among others; consulting expertise in Interactive TV industry with BellSouth and Scientific Atlantic; the game industry with Mattel and Hasbro; CEO/executive coaching in analyst/partner relations, media relations, internal communications and customer relations; plus a master's degree in communications, specializing in interpersonal communications, PR and international negotiations and mediation. She received a B.A. in English with Minor in Business from Santa Clara University and University of London, School of Economics and a M.A. in Business Communications and Public Relations from Emerson College. In graduate school, Sara specialized in Negotiations and taught international students International Negotiation & Mediation courses. All of which help her deliver the best results for her clients.

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NUMBER1EXPERT™ in real estate for Darien, Rowayton and New Canaan, Connecticut, luxury and new construction

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