O'Fallon, Scott Air Force Base and Belleville real estate and homes for sale in Illinois - Susan and David Holden, REALTOR® REALTOR® Logo - NUMBER1EXPERT NUMBER1EXPERT™ Logo
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Belleville Information
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About the Belleville, Illinois Area 

Our community is a unique blend of people driven by decades of positive momentum. Our excellent schools illustrate our commitment to education and our city officials are proven leaders. Belleville offers everything you need from top-notch hospitals to outstanding events, museums, parks, and attractions. Welcome to our city! CLICK HERE TO VIST THE BELLEVILLE WEBSITE!
 

It's our job to know EVERYTHING about O'Fallon, Scott Air Force Base and Belleville! Ask us any question. Or request a FREE relocation package. There's no obligation, and we promise to get back to you quickly... 

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Real Estate Tips
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.

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Real Estate Trivia
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What is the largest home in Hollywood?

A 
The largest home in Hollywood is currently "The Manor" at 36,500 square feet, built by T.V. producer Aaron Spelling for $37 million.
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Susan and David Holden, REALTOR®, real estate agent and broker for O'Fallon, Scott Air Force Base and Belleville, Illinois home listings, property and land for sale - NUMBER1EXPERT

Susan and David Holden Broker/Owners
RE/MAX Preferred
1668 Windham Way - Lakepointe Centre
O'Fallon, IL 62269
618-531-4887
Fax: 618-624-8927
DavidHolden@remax.net

Thank you for visiting us at www.ofallonrealestate.com we look forward to assisting you in your home buying or selling needs. We believe in a "hands on" approach to Real Estate, this is why you will deal only with us during your transaction. This allows us to manage all aspects and react to changes quickly. Please do not hesitate to contact us for more details

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