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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You! It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request my free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced. The Status Report that you'll receive by email will also include other important information that has been left out or that is available to me through my professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more. Remember: As a top Vista, Oceanside and Carlsbad area real estate agent, it's my job to know more about a property than any web site. Make sure you have the most current information! 
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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 is the world's most valuable piece of furniture?
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| A |
The 18th century Italian Badmiton Cabinet owned by the Duke of Beaufort sold in 1990 at Christie's, London for $15.1 million dollars. |
 See More Real Estate Trivia > |
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Geri Lawson, Realtor®
Geri Lawson
DRE# 01416969
PO Box 1141
Vista, CA 92085-1141
Cell: 760-801-3572
Fax: 760-598-1713
Email: GeriLawson@NUMBER1EXPERT.COM
My Guarantees To YOU!
I Guarantee You A Quick Response By Email When You Use My Web Site!
You want a fast response by email. You don't want to wait days to hear from me. I understand this. I try to answer every email from this site personally and ASAP. I pledge to you that I will answer your emails quickly. You will be pleased with how rapid my response is.
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I will not distribute your email address to others, unless you request this. I will only contact you by email. But, if you leave me your phone number I may call you and ask you if you have some questions. What I will do is respond to your emails quickly, answering your questions and offering information. If you sign up to receive my latest listings, I will periodically email you my very newest homes, as soon as they come on the market. If you sign up to receive my latest news, I will also periodically email you with the latest local and national real estate news. This is all offered to you for free, and without any obligation.
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