Miami, Miami Beach and Coconut Grove real estate and homes for sale in Florida, beachfront, oceanview properties - Ron Fillion, P.A., Broker-associate, REALTOR® Ron Fillion,  P.A., Broker-associate REALTOR(r) for Miami, Miami Beach and Coconut Grove, Florida real estate, beachfront, oceanview properties - NUMBER1EXPERT™ Ron Fillion,  P.A., Broker-associate NUMBER1EXPERT(tm) for Miami, Miami Beach and Coconut Grove, Florida real estate, beachfront, oceanview properties
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Ron Fillion,  P.A., Broker-associate, REALTORŪ, real estate agent and broker for Miami, Miami Beach and Coconut Grove Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
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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Real Estate Trivia
Q 
Where is the world's oldest hotel?

A 
The Hotel Ryokan in the village of Awazu, Japan dates back to AD 717, when an inn was built near a hot spring reported to have miraculous healing properties.
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Ron Fillion,  P.A., Broker-associate, REALTORŪ, real estate agent and broker for Miami, Miami Beach and Coconut Grove Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Ron Fillion, P.A., Broker-Associate / Area Manager
Ocean View Intl Realty

Cell: 305-742-3435
Toll-Free: 866-765-3297
Toll-Free: 866-Sold-By-Ron
Fax: 305-448-0803
Email: RonFillion@aol.com

Ron is a true professional that is committed to excellence. He is a leading real estate expert in Southeast Florida, providing exceptional Service, Marketing and Results. Ron also speaks French & Spanish. He can be reached anytime toll free at 1-866-SoldByRon (765-3297) or direct at 305-742-3435, email him at RonFillion@aol.com or visit his web sites at www.MillionFillion.com.

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Ocean View International Realty real estate and homes for sale in Miami, Miami Beach and Coconut Grove Florida

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