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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 901-372-9933.
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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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The Ultimate Compliment - From a Teenager
"We haven’t heard many compliments from our teenage son (whom shall remain nameless)since...well...he became a teenager..."
Perry and Judy
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mortgages at one time. Download TripleCalc now. It's free. |
Melissa Hayes are some of The Top Selling Real Estate Experts™
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Let Me Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation. As a top Memphis, Bartlett, Arlington, Collierville and Germantown real estate agent, I make it my business to be aware of every local home or property on the market. I even know of properties that will be available, but have yet to formally be placed on the market. I have direct access to the Memphis, Bartlett, Arlington, Collierville and Germantown area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings. If you give me some idea of what you are looking for, I will personally review all my sources of real estate listing information and send you everything within your price range that matches your criteria. I can save you a great deal of time! This is a totally free service, and there is no obligation. It's part of my job to offer services like this to homebuyers.  Tell me what you are looking for! It's my job to know every property in Memphis, Bartlett, Arlington, Collierville and Germantown, even ones not listed online. My personal search for you is FREE and without obligation. Please give me as many details as possible...
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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 |
What was a sure way to accumulate wealth through the 1970s and early 1980s?
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| A |
Many people made their fortunes in real estate during this period. |
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