February 2011

There are 1 blog entries for February 2011.

Buying a home is exciting. There are many great homes available in the San Diego area - specifically in Rancho Santa Fe and La Jolla. Whether it's brand new, or just new to you, buying a home is a time for big dreams, plans and goals for the future. It's also a time for big mortgage payments and the responsibility that comes with them. Many buyers, when they are pre-approved for a loan, automatically go out and start looking for houses that are as expensive as they can possible buy. That doesn't really mean they can afford these houses, it just means their debt-to-income ratio was acceptable to the bank.

Fortunately, the trend of “buy as much as you can afford” is slowly changing. Ultimately, it's better to buy something that's slightly less than what

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