Looking to purchase a home? We have many loan products that depending on your needs, will have the right one to fit within the budget. I have been in business full time since 1992 as a Real Estate and Mortgage Broker. I specialize in residential mortgage loans and went in business because I wanted to help buyers obtain the Dream of Home Ownership and help them build their real estate portfolio, one property at a time.
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment).
VA and FHA loans even allow for higher debt ratios on a case by case basis.
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment).
VA and FHA loans even allow for higher debt ratios on a case by case basis.
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Why should I buy, instead of rent?
A primary residence home or rental property is an investment.
When you rent, you write your monthly check and that money is gone forever.
But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes.
This will save you a lot each year, because the interest you pay will make up most of your monthly payment for most of the years of your mortgage.
You can also deduct the property taxes you pay as a homeowner.
A primary residence home or rental property is an investment.
When you rent, you write your monthly check and that money is gone forever.
But when you own your home, you can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes.
This will save you a lot each year, because the interest you pay will make up most of your monthly payment for most of the years of your mortgage.
You can also deduct the property taxes you pay as a homeowner.
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