Newport Beach, Newport Coast and Laguna Beach California real estate listings, home buying, selling and relocation information

All agents are NOT alike! Why is working w/ a CRS + TRC + CIPS crucial in today's local & global real estate market? Call me: 949-887-1199.

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Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
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“I have bought & sold my [7] homes and worked with dozens of R.E. agts.... What makes the difference w/ Stacy is her friendliness and SERVICE."
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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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Q	Which famous skilled mason laid the cornerstone of the Capitol Building in Washington, D.C. in 1793?
A	George Washington, the first President of the United States.
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International + National Real Estate Partners
Through my association with CRS & ICREA (International Consortium of Real Estate Assocs.), I have incredible Real Estate Partners to benefit YOU!
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Stacy McCullough, REALTOR®, real estate agent and broker for Newport Beach, Newport Coast and Laguna Beach California home listings, property and land for sale - NUMBER1EXPERT(tm)

Stacy McCullough, CRS, TRC, ACA
Prudential California Realty
1400 Newport Center Dr., #200
Newport Beach, CA. 92660
949-887-1199
949-219-2431
Fax: 949-640-7429
Email: stacymccullough@NUMBER1EXPERT.com
Living and working along the California Riviera - Coastal Orange County - I understand and appreciate all this lifestyle has to offer. As a top Orange County Realtor specializing in "coastal cottages to mansions," I have the experience and proven track record you are looking for to help you achieve your real estate goals, from selling or buying lovely coastal homes to investment acquisitions for long-term financial positioning. Experience matters.

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NUMBER1EXPERT™ in real estate for Newport Beach, Newport Coast and Laguna Beach, California, coastal properties, oceanfront

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