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About The Whitaker Team - Information about The Whitaker Team of West Yellowstone, MT, Island Park and Henry's Lake, Idaho Testimonials - Read what The Whitaker Team's clients are saying about the real estate marketing and services provided. Quick Response Guarantee - A quick response to your email request for more Idaho home buying & property selling information is guaranteed by The Whitaker Team. Privacy Guarantee - This West Yellowstone, MT, Island Park and Henry's Lake real estate web site will respect your privacy, guaranteed by The Whitaker Team. No Obligation Guarantee - The Whitaker Team's real estate help by email is free & without obligation for West Yellowstone, MT, Island Park and Henry's Lake home owners in Idaho. For Real Estate Agents - Let The Whitaker Team help you with your professional real estate broker and agent needs in the West Yellowstone, MT, Island Park and Henry's Lake area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact The Whitaker Team. Go to Main Sitemap - Main sitemap sections include Find West Yellowstone, MT, Island Park and Henry's Lake Homes, For Home Buyers, For Home Sellers, West Yellowstone, MT, Island Park and Henry's Lake Information, Real Estate Resources, and About The Whitaker Team. 
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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 |
What is the world's most expensive Monopoly set?
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| A |
San Francisco jeweler Sidney Mobell created an exclusive $2 million Monopoly set, with solid 23 carat gold houses, chimneys made of rubies and sapphires and dice with 42 full cut diamonds for spots. |
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