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Hot - NICE QUIET CUL-DA-SAC

$135,900

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Address: 120 W Sky Ranch	City/ST: Spanish Springs-West, NV	Zip Code: 89436
Location: SPANISH SPRINGS	Property Type: Single Family Home	New or Resale: Resale
Square Footage: 1056	Bedrooms: 2	Bathrooms: 2
MLS# 90008381	Property Tax: 1473.26

Nice home located on quiet cul-de-sac, large back yard, room for all your toys and then some. Above ground pool, hot tub & gazebo not included but subject to separate negotiation. Extra room off dining room makes a great office or den, could be made into a 3rd bedroom. Sono-tube lighting in both bathrooms & master closet let in lots of natural sunlight.

Last Updated: 7/27/2009 1:43:57 PM

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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	Where are the highest median price homes in the United States currently located?
A	According to the NAR, the highest median price in the second quarter of 2005 was $726,900 for homes in California's San Francisco Bay area.
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Hartman Gil & Assoc., REALTOR�, real estate agent and broker for Reno, Sparks and Fernley, Nevada home listings, property and land for sale - NUMBER1EXPERT

Hartman Gil & Assoc.
Century 21 Miner Realty
4990 South Virginia St.
Reno, NV 89502
Linda Hartman Cell: 775.771.4400
Kristen A. Gil Cell: 775.762.7653
Fax: 775.824.3621
Office: 775.824.3600
LindaHartman@NUMBER1EXPERT.com
Linda Hartman and Kristen Gil are top Century 21 agents with over 30 years experience in the business. They are entrenched in Bank Owned Foreclosures, Shortsales and Loan Modifications. Investors will also find them extremely knowledgeable about all types of investment properties and 1031 exchanges. Hartman Gil & Assoc. pride themselves on being a team of agents dedicated to providing award winning customer service. They really care about their clients and it shows!!

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