The facts speak for themselves !
Real Estate Special Section
Jordana Zober Cutitta ,
MBA , Associate Broker “ Jordana from Howard Hanna ”
JordanaZoberCutitta @ howardhanna . com
412-657-3555 ( cell )
412-963-6300 ( office )
• $ 40 Million Plus in Sales
• National Sales Excellence Leader : Top 5 % of Realtors Nationwide
“ We have many buyers looking to purchase homes in the area , but not enough houses for sale . If you are considering selling your home , now is a great time . Call me .”
$ 242,500
902 Rutgers Rd - Shaler
OFFER ACCEPTED IN
3 DAYS SOLD FULL PRICE
REACHING YOUR
TARGETED CUSTOMERS
HAS NEVER BEEN EASIER .
$ 239,900
760 Venango Ave - Shaler
SOLD FULL PRICE
The facts speak for themselves !
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Contact us at 724.942.0940
Whether you ’ re looking to buy or to sell , there are hundreds of resources available to you and your family . Start smart by doing your research . Is now the time to put your home on the market ? What ’ s the buyers market like this season ? Don ’ t rush to make a decision just because spring is here . Homes are bought and sold throughout the year , so make sure the time is right . As a first step , review your finances . If you ’ re on the right track to having a good bit saved , you ’ re probably ready to start your must-have / wish lists . Reach out to a real estate agent to help you get acquainted with the communities you have in mind and the neighborhoods you can afford . If you ’ ve been talking about moving , take a look at your home . Do you have repairs to make before putting your home on the market ? You ’ ll want to make any small upgrades , declutter and rearrange rooms prior to taking pictures of your home to show potential buyers .
What First-Time Homebuyers Should Know
Last year was a great year for new homebuyers . According to the National Association of Realtors , about 35 percent of the homebuying market was made up of first-time buyers . Yet , each year is not created equally in the mortgage industry and real estate market . Changes happen frequently and it is often hard to keep up . If you ’ re looking to break into real estate for the first time , here are some insights into how to navigate the market .
Saving .
Step number one for a first-time homebuyer should always be saving . Take a look at your current finances . It ’ s recommended that your mortgage payment not exceed 30 percent of your gross monthly income . See where you can cut back spending to put away a little extra out of your paycheck every month for your new home . Not only can this cash go toward a down payment , but most likely you ’ ll need furniture , appliances , and decorations to furnish your new home . Don ’ t just calculate the amount of money needed for a down payment . Keep in mind the unforeseen expenses such as home repairs , agent fees and closing costs . You can never save too much !
1 . Mortgage . Applying for a mortgage can be an intimidating process , but if you prepare accordingly , you ’ ll be happy with the outcome . According to LendingTree . com , mortgage lenders are allowing higher debt levels for borrowers with lower down payments ( as little as 3 percent on a conventional mortgage loan ). You may not need the typical 20 percent down that was required of homebuyers a few decades ago . If your debt-toincome ratio is high , you may not have to worry . Mortgage companies are making it easier for borrowers with more debt to still qualify .
2 . Mortgage rates and tax limits . Unfortunately , not all news is good news for first-time buyers . Mortgage rates are predicted to continue to rise in 2018 , expected to reach 5 percent toward the latter half of the year . In addition , new tax laws that went into effect at the
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