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Specializing In
The Following Towns: |
Audubon
Blue Bell Collegeville
Coventry
Downingtown
Eagle
Exeter
Township
Exton
Harleysville Norristown
Kimberton |
King of Prussia
Lansdale
Limerick
North Wales Phoenixville Pottstown
Royersford
Schwenksville
Spring City
West Chester Worcester |
Welcome!
Here You Can Find Great Information on Phoenixville, Downingtown and Exton, Pennsylvania Real Estate
Looking for homes? Search everything the web has to offer, right here! Don't miss the Feature Homes.
Need local real estate information? I've summarized much of what is important about the Phoenixville, Downingtown and Exton real estate market in this site.
Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even this one! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job.
Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.
Buying and selling a home is one of the biggest events in your life. As a top Phoenixville, Downingtown and Exton real estate agent, I have the experience and track record you are looking for. Please let me help.
- Michael Richter 
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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 considered one of the key elements of the American dream?
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| A |
Home ownership is considered to a key to the American dream; more than 2 million first-time buyers bought property last year. |
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