Lancaster, Manheim Township and Hempfield, Pennsylvania Real Estate Listings & Homes For Sale Provided by Ken Offidani

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School Reports in Lancaster, Manheim Township and Hempfield, Pennsylvania

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Schools in Lancaster, Manheim Township and Hempfield

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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Q	Which nation, fueled by an oil and manufacturing boom, claims the world's longest building?
A	The "Linear City" of Malasia is currently the longest.
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Ken Offidani, REALTOR®, real estate agent and broker for Lancaster, Manheim Township and Hempfield Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Ken Offidani
Coldwell Banker Select Professionals
1000 N. Prince Street
Lancaster, PA 17603
Phone 1: (717) 587-1652
Phone 2: (717) 735-8310
Cell: (717)-587-1652
Fax: (717)-735-8267
koffidani@realtyselect.com
The GUARANTEED SAME DAY RESPONSE from The Ken Offidani Team has made us a Lancaster County favorite. Want the price or location of a home? Call or e-mail now and you’ll reach us instantly.

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