first time homeowners: Calculate Your Income vs. Debt - 07/12/10 03:21 PM
Most lenders don't want you to take out a loan that will overload your ability to repay.
By John Adams
As you think about applying for a home loan, you need to consider your personal finances. How much you earn versus how much you owe will likely determine how much a lender will allow you to borrow.
First, determine your gross monthly income. This will include any regular and recurring income that you can document. Unfortunately, if you can't document the income or it doesn't show up on your tax return, then you can't use it to qualify for a loan. … (0 comments)

first time homeowners: Nine Steps to Homeownership - 07/12/10 03:07 PM
The steps for purchase are as follows:
•·      Determine how much you can afford
•·      Know your rights
•·      Shop for a loan
•·      Learn about programs to help you buy
•·      Look for your perfect home
•·      Make an offer
•·      Get a home inspection
•·      Shop for homeowner's insurance
•·      Close on your new home
For more detailed information ask

first time homeowners: 10 Tips to Conserve Water - 07/09/10 02:00 AM
10 Tips to Conserve Water By Stephanie AndreRISMEDIA, July 9, 2010--
The dog days of summer are here, alive and well. Getting out in the garden and keeping your lawn green are very important but so is conserving water. Remember - it's the summer; it's going to rain. From checking the kitchen faucet to watching your laundry loads, there's plenty we can all do to save water.  Here are some tips from Pennsylvania American Water on how you can conserve water and reduce the environmental impact of water consumption both indoors and outside the home:1. Water your lawn only when it … (0 comments)

Joy Bonney (The Real Estate Group)

Joy Bonney

Chesapeake, VA

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The Real Estate Group

Address: 1112-F Eden Way North, Chesapeake, VA, 23320

Office: (757) 410-8500

Mobile: (757) 407-5463

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