To determine your maximum mortgage amount, lenders use guidelines called debt-to-income ratios. This is simply the percentage of your monthly gross income (before taxes) that is used to pay your monthly debts. Because there are two calculations, there is a “front” ratio and a “back” ratio and they are generally written in the following format:… Read More

Selling a house on a busy street requires a determined effort from the home seller and the Realtor to emphasize the many positive aspects of the home. Well-maintained handsom yard with loads of curb appeal to draw in the buyers? Check. Large over-sized lot with possible zoning options for a professional home office? Double Check…. Read More