How much house can you afford?

Ready to find out how much you can afford for your dream home? Our easy mortgage calculation can help! Here’s an example:
Calculate your Debt-to-Income Ratio (DTI) : Add up your monthly debt payments (credit cards, car loans, student loans, etc.) and divide by your gross monthly income. Multiply by 100 to get your percentage. For example, if your total debt payments are $1,500 and your gross monthly income is $5,000, your DTI is 30%.

Determine your Monthly Payment : Based on your DTI, you can estimate how much you can afford for your monthly mortgage payment. A general rule of thumb is to keep your DTI below 36%. For example, if your gross monthly income is $5,000 and your DTI is 30%, your estimated monthly mortgage payment would be around $1,200.

Remember, this is just an estimate, and other factors such as your credit score, down payment, and interest rate can affect your affordability. Speak with a trusted mortgage lender to get a more accurate picture of your options!

How to prep your house to sell

Selling a house can be a daunting task, but with proper preparation and planning, it can be a smooth process. Getting your house ready for sale requires a bit of work, but it can help you get the most value out of your property. In this blog post, we'll discuss some tips on how to get ready to sell your house.

1. Declutter and depersonalize The first step in getting your house ready for sale is to declutter and depersonalize your space. You want potential buyers to be able to envision themselves in your home, so it's important to remove any personal items, such as family photos or personal knick-knacks. Additionally, decluttering your space can make your home feel larger and more inviting.

2. Deep clean Before listing your house on the market, it's important to give it a deep clean. This includes cleaning the floors, walls, and windows, as well as scrubbing the bathrooms and kitchen. A clean home not only looks more attractive to potential buyers, but it also helps to eliminate any odors that could be off-putting.

3. Make necessary repairs Take a look around your home and make a list of any repairs that need to be made. This could include fixing leaky faucets, patching holes in walls, or replacing any broken appliances. You want your home to be in the best condition possible before listing it on the market.

4. Stage your home Staging your home can make a big difference in how potential buyers perceive your space. Consider hiring a professional stager to help you rearrange furniture and create an inviting atmosphere. You may also want to add some fresh flowers or a few decorative accents to help make your home feel more welcoming.

5. Price it right One of the most important factors in selling your home is pricing it right. Your real estate agent can help you determine the appropriate price for your home based on its condition, location, and current market conditions. Overpricing your home can lead to it sitting on the market for an extended period of time, while underpricing it could mean leaving money on the table.

6. Let me help you! I can help guide you along the way and it’s one of my greatest passions!

In conclusion, getting your house ready to sell takes some work, but it can pay off in the end. By decluttering and depersonalizing your space, deep cleaning, making necessary repairs, staging your home, and pricing it right, you can help ensure that your home sells quickly and for the best possible price.