tips: Home buying tip #4 Understanding How Much Home You Can Afford - 05/28/08 06:09 PM
Are you ready to roll with another home buying lesson? Good, let's get started.
Like it or not, there are 2 guidelines bankers and mortgage lenders use to determine how much loan you can afford.
The first guideline is the Payment To Income Ratio.  This guideline compares your income - or your total household income - to the amount of mortgage payment you're considering.
To calculate the "payment" part of the formula, the lender will take the mortgage payment (principal + interest) and add to it Property Taxes and Insurance.  Hence the term "PITI" (principal, interest, taxes, and insurance).
Usually lenders … (1 comments)

tips: Seller Check list - 04/14/08 03:57 PM
You ask for it so here it is. I posted the Buyers checklist earlier. This is a checklist for listings. It starts with the listing lead call and goes to closing. Please feel free to change it to your business.
Name:                                                                                        Spouse:                                                             
Home Phone:                                                                                                                                                      
Husband Cell:                                                                  Wife Cell:                                                                  
Husband Work:                                                              Wife Work:                                                               
                        Enter Phone (Julie's)           
                        Enter Top Producer must include emails                    
                        Enter Email-sbcglobal/outlook
                        Enter Scheduled Appt. in TP 
___________  Mail Key Cert. w/note
The Call Comes in for Listing Lead - Pre-listing Inquiry
"So Julie can be fully prepared … (17 comments)

tips: Pets and Moving - 03/18/08 01:30 PM
Thought you may want to have some information to share with clients who are moving with their pets. Feel free to copy this and hand it out. It was written by my husband a Veterinarian who hears all the pet moving stories.
If you are moving to a new home with your dog or cat, there are some things you need to know.
 In advance, you should get a new ID tag. If your pet has a microchip, you will need to change your address with the company. You may need to visit your veterinarian to update vaccines and refill any … (3 comments)

Julie Beall, CRS (Irongate Realtors)

Julie Beall


Springboro, OH

More about me…

Irongate Realtors

Office: (937) 748-0000

Mobile: (937) 546-0222

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