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What does Debt to Income Ratio really mean?

Debt To Income Formula DEBT-TO-INCOME (DTI) This is a VERY important & critical part of the affordability process that determines what you can or cannot afford. Your DTI is expressed as a percentage & is your total "minimum" monthly d...

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Want to know how much your home is REALLY worth?

Knowing the value of your home is the first step for most sellers. Usually, within the first 5 minutes, sellers will ask their Realtor, “What’s my home worth?” And if that number for the seller is not what they think it should be, the...

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Which Mortgage is right for you?

Which one do I choose? Buyers come from all walks of life & the best way to determine which mortgage is right for you is by sitting down with a lender & talk about your financial future & terms of growth in your pro...

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Need A Lender?

Finding the right mortgage lender is critical! Need a lender? Let's face it, when you will be paying for a mortgage for 15, 20 or 30 years, it's very smart & necessary to shop around to find the best mortgage lenders out there. You must ...

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How much money will you need to buy a home?

At Local Texas Real Estate, we can help. How much money will you need to buy a home? That depends on several factors, including the cost of the house & the type of mortgage you get. Before you start shopping, it's important to get an ...

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Why you should buy a home instead of renting?

Should you Buy or Rent? Ok, so the pictures above are extreme opposite examples of each other, but I have to make a point & get your attention. So with that said, other than the personal satisfaction, there can be several pros to purcha...

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