Conservative RatiosAggressive Ratios Debt Ratio 28 / 36 28 / 36 33 / 38 35 / 41 42 / 42 45 / 45 Down Payment 5 %   10 %   20 %   5 %   10 %   20 %   Max Property Value $154,885   $164,998   $213,532   $187,153   $206,248   $271,021   Down Payment Amount $7,744   $16,500   $42,706   $9,358   $20,625   $54,204   Monthly Payment $882   $890   $1,024   $1,066   $1,113   $1,300   Property Tax (1) $161   $172   $222   $195   $215   $282   Property Insurance (1) $39   $41   $53   $47   $52   $68   PMI (2) $118   $97   $0   $142   $121   $0   Association/Misc Fees $0   $0   $0   $0   $0   $0   Total Housing Payment $1,200   $1,200   $1,300   $1,450   $1,500   $1,650   05/27/2010

There is potential for the interest rate/ payment to fluctuate. ARMs transfer to borrowers a portion of the risk associated with a changing economy. In exchange for sharing the risk, ARMs offer borrowers initial interest rates that are substantially lower than fixed-rate mortgages. The lower interest rate may help borrowers qualify more easily; qualifying factors may vary. 06/09/2009

Interest rate does not change. Principal and interest (P & I) does not change. Fixed-rate mortgages fully amortize over a defined period of time and are paid in-full at the end of the loan term. Different loan terms are available (15- and 30-year terms are most popular). The shorter the term, the faster equity is built and the loan is paid off.   06/09/2009

I WAS THINKING OF ALL MY FRIENDS HERE IN ACTIVE RAIN COMMUNITY & I WANTED TO LET YOU KNOW.... I HOPE EACH AND EVERYONE OF YOU HAD A WONDERFUL DAY =-) 06/09/2009

1. Give your car a break: For each gallon of gas you save you keep 20 pounds of carbon dioxide out of the environment and $5.oo in your pocket 2. Go for the double paned windows: Double paned windows are up to 40% more energy efficient. 3. Plant trees: Trees that surround your house can provide shade & keep your house cool. 4. Give your A/C a break: Ceiling Fans use far less energy than a A/C. 5. Try a Meatless Meal: People who cut just one Meat meal a week save 70,000 pounds of grain, 70,000 pounds of topsoil & 40 million gallons of water in one year. 6. Bring your Bag: Bring your bag to the grocery stores. 7. Turn Off & Un Plug: You can save up to 75% by not only turning off your electronics but unplug them too. $10.00 off your monthly bill. 8. Run a full load: Laundry & Dishes, Look ... 04/21/2009

All Real Eatate information you need to know.   http://realtytimes.com/REUv/BarbaraRounds 04/16/2009

 If you would like to see the Market Trends in the area where you are currently living or thinking about moving. Contact me and I will give you detailed graphs with data researching, Home Sales, How Long On The Market, Price per sqft., Most informitive Company to work with & this report can go to any County in CA.    04/14/2009