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Before You Look at Your First House

Experienced home buyers know that one of the first-steps in beginning a successful search for a new house is taking a hard, objective look at finances. Determining how much money you can dedicate to the purchase of your new house affects almost every aspect of buying a new home - including how write the offer, which mortgage programs you will qualify for, shopping for the best mortgage loan and which homes are truly in your price range.



Here are the questions that each home buyer should ask:

  • How much cash is available for a down payment? The amount you have available for a down payment will affect what types of loans for which you can qualify. Learn more.
  • Am I ready to write a check for the earnest money? Earnest money is a cash deposit made to a home seller to secure an offer to buy the property. This amount is often forfeited if the buyer decides to withdraw his offer.
  • How much additional cash will be available to pay for closing costs? There are certain standard costs associated with closing the sale of a house. These fees are split between the buyer and the seller, as spelled out in the sales contract. Learn more.
  • What is the maximum monthly mortgage payment that can afford? Most lenders will use the 28/36 rule to determine the maximum mortgage payment you can afford.

The 28/36 Rule
No more than 28% of your gross income can be applied to your mortgage, real estate taxes and insurance. And no more than 36% of your gross income can be applied to your mortgage expenses plus your regular debt expenses (car payments, credit cards, other loans, etc.).

Looking to Buy?

Are you looking to buy a house? Let us help you. Just fill out as much of the information below that you want and we'll get right back to you, with no obligation to you. We guarantee your privacy.
 
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Metro Atlanta Communities and Suburbs

Search for Available Homes

Acworth Alpharetta Ansley Park Ashford Park   Atlanta
Berkeley Lake Brookhaven     Buckhead   Candler Park Chamblee
Chastain Park Cumming Decatur Doraville Druid Hills
Duluth Dunwoody          Emory Grant Park  Inman Park
Intown Atlanta         Kennesaw Kirkwood Lake Lanier Little Five Points 
Lilburn Marietta Midtown Morningside    Norcross    
Piedmont Park Roswell Sandy Springs    Smyrna Sugar Hill   
Suwanee Tucker Vinings Virginia Highlands    

Homes for Sale in Specific Counties

East Cobb  Cobb County     Fulton County     Forsyth County       Dekalb County    
Gwinnett County    Hall County

 

               

             We specialize in full-service real estate for the Metro Atlanta Area:  the cities/counties we specialize in are:
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Andrew Realty Group RE/MAX Greater Atlanta Achievers 5163 Roswell Road Atlanta, GA 30342
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