Jacksonville, Orange Park and Clay County real estate and homes for sale in Florida, Relocation, Waterfron Homes - Celena Blunk and Pat Alters, REALTORS® Celena Blunk and Pat Alters REALTORS(r) for Jacksonville, Orange Park and Clay County, Florida real estate, relocation, waterfront homes - NUMBER1EXPERTS™ Celena Blunk and Pat Alters NUMBER1EXPERTS(tm) for Jacksonville, Orange Park and Clay County, Florida real estate, relocation, waterfront homes

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Celena Blunk and Pat Alters, REALTOR®, real estate agents and broker for Jacksonville, Orange Park and Clay County Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

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Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Jacksonville, Orange Park and Clay County property in Florida, including legal terms definitions, and more

 

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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 
What is the role of the U.S. Housing Authority?

A 
Created in 1937 by FDR, the U.S. Housing Authority provides construction loans to small communities and states.
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Celena Blunk and Pat Alters, REALTOR®, real estate agents and broker for Jacksonville, Orange Park and Clay County Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Pat Alters and Celena Blunk
Keller Williams First Coast Realty

2233 Park Avenue suite 500
Orange Park, FL. 32073
Office Phone: (904) 541-0180
Toll Free: (800) 443-7115
Pat's Cell: (904) 571-9751
Celena's Cell: (904) 545-4495
Office Fax: (904) 541-0175
Email: celenaandpat@NUMBER1EXPERT.com
Email: patandcelena@realtor.com

Rely on “The Team in Perpetual Motion” for all your real estate needs. As a mother-daughter team and natives to Northeast Florida, Pat and Celena have been helping families buy and sell homes for over 51 combined years. Whether you’re new to the area or a long time local, our experience and knowledge can help you find the dream home for your family. As a team your schedule is our schedule- Call us anytime - We're experts in pre-foreclosures and short sales so please call us to discuss your situation before losing your home to foreclosure.

CRS Equal Housing GRI MLS REALTOR


Keller Williams First Coast Realty real estate and homes for sale in Jacksonville, Orange Park and Clay County Florida

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