Fort Hood, Killeen, Harker Heights and Copperas Cove Texas real estate listings, home buying, selling and relocation information

"Service to people Leads to Greatness"

Sign Up For My eNewsletter, FREE!
There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
Find Out More >
View All Offers >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Shakim Gonzalez is one of of The Top Selling Real Estate Expert™
Find Out More >

*Your Name:
*Your Email Address:
Send Latest Listings:
Send Latest News:
Your Message or Comments:

* Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
I Guarantee Your Privacy >
Free & Without Obligation >

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.

	See All Tips In The "First Time Buyers" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What does the abbreviation PITI stand for?
A	Principal, Interest, Taxes and Insurance are the four major items included in a monthly mortgage payment.
See More Real Estate Trivia >

Coming Soon
Find Out More >

Shakim Gonzalez, REALTOR®, real estate agents and broker for Fort Hood, Killeen, Harker Heights and Copperas Cove Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Shakim Gonzalez, REALTOR
Century 21 Real Estate's 1st Team
1200 E Stan Schlueter Loop Suite 100
Killeen, TX 76542
Main Office: 254.690.4663
Team Office: 254.690.HOME
Shakim's Cell : 254.368.9892
e-mail: Shakim@NUMBER1EXPERT.com
I specialize in representing my clients to the fullest. Whether it be the purchase or sale of single-family residence, income property or commercial I will be there. I am the real estate expert in the Greater Fort Hood Area within the cities of Killeen, Harker Heights and Copperas Cove. I also travel to Temple, Kempner, Austin, Belton, Lampassas, and Waco to assist clients. I keep current information of real estate transactions in these areas. I am very knowledgeable, and continue to educate myself in modern real estate practices and in creating higher levels of customer satisfaction. I am dedicated to my clients, I have a lifetime of experience in the Killeen area. My number one goal is ensuring the highest level of customer satisfaction. When you are working with Shakim Gonzalez you are working with the best. When you are looking for straight forward, honest, informative assitance throughout your real estate transaction, I am just a phone call away. I look forward to being of service to you. I am Shakim Gonzalez and will be there for you every step of the way.

www.TeamUnitedRealestate.com is brought to you by Shakim Gonzalez
NUMBER1EXPERTS™ in real estate for Fort Hood, Killeen, Harker Heights and Copperas Cove, Texas, Investment Properties, Luxury Homes

Read My Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge