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ESTAPLACE.COM REAL ESTATE - FREE LISTING SERVICE -
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Nesgroup address: misc.invest.real-estate - Date & Time for the message: Wed, 23 Mar 2005 06:41:20 +0000 (UTC)
/ Author of the message: efflandt@xnet.com (David Efflandt) |
Title of the message: |
Re: Mortgage Loan Amounts
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Text of the message: |
On 22 Mar 2005 11:01:14, jeremy_upright@bcbstx.com <jeremy_upright@bcbstx.com> wrote: > I am currently shopping for mortgage loan amounts. My current salary > is $40k/yr (gross $3333.33/month) and my only debts are vehicle > payments ($550.13 and $242.06 = $792.19). My problem is that lenders > are only wanting to loan around $75k... Just to give you an example, I bought a home in 2002 for $157,000 with 20% down, and payments including property tax escrow are $1150/mo plus $250 for utilities (gas, elec, H2O, phone/dsl) plus $1100/yr for insurance (2 vehicles and home). My vehicles are paid for, but I have about $7000 in credit card debt ($1600 @ 0%, $3500 @ 2.99%, and other at higher rates). $800 in car payments would bring that up to $2300/mo, plus additional car insurance if young. Look at your paycheck and see what that would leave you for beer, food, clothing, repairs, retirement savings. . |
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Estaplace.com is one the Ceglia Giovanni projects, started on 20 July 2005, and online since 20 August as a real estate platform for listings, mainly operating on the Italian and American/English market in the Internet, Estaplace would like to become the point of referiment for home sellers and home buyers, a site where private owners or real estate agencies can have the possibility to show their offers to the world. Estaplace.com is only one of the Giovanni Ceglia's sites. Everyday Giovanni Ceglia works to improve new Internet tools and services for online marketing and business. Estaplace.com will become the biggest portal for real estate business and investments online.