Privacy Statement for http://www.RealEstateBuyersAgents.com/councilbluffs/
This web site is a participating member of the Privacy Partnership. Any information you provide is confidential.
RealEstateBuyersAgents.com/councilbluffs/ has created this privacy statement in order to demonstrate our firm commitment to privacy. The following discloses our information gathering and dissemination practices for this site; http://www.RealEstateBuyersAgents.com/councilbluffs/.
We respect your privacy! Any and all information collected at this site will be kept strictly confidential and will not be sold, reused, rented, loaned, or otherwise disclosed. Any information you give to RealEstateBuyersAgents.com will be held with the utmost care, and will not be used in ways that you have not consented to. A more detailed explanation about how we safeguard your personal information is described below. If you have any questions, please don't hesitate to Email John Rygiol
let us know.
Our site's inquiry form requires users to give us contact information (like their name, telephone number, and email address). The customer's contact information is used to contact the visitor when necessary.
This site gives users the following options for removing their information from our database and to not receive future communications from us.
You can send email to John Rygiol
RealEstateBuyersAgents.com does not sell, rent, loan, trade, or lease any personal information collected at our site.
RealEstateBuyersAgents.com analyzes our website logs to constantly improve the value of the materials available on website. Our website logs are not personally identifiable, and we make no attempt to link them with the individuals that actually browse the site.
We use your IP address to help diagnose problems with our server, and to administer our Web site. An IP address only provides information about who your Internet service provider is. It cannot be used to personally identify you.
If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact
John Rygiol Broker/Owner
116 Main Street, Suite 7
Seal Beach, CA 90740
Email John Rygiol
Serving home buyers in:
IOWA: Council Bluffs, Crescent, Glenwood, Mineola, Minden, Neola, Silver City, Treynor, Underwood.
NEBRASKA: Bellevue, Elkhorn, LaVista, Omaha, Papillion, Iowa
More About Professional Designations And Why They Are Important To You
What Are Fiduciary Duties And Why Are They Important?
The Secret Big Corporations Have Known For Years
Our Standards Of Practice - Exactly What We Will Do For You
What Others Say About Buyer Agency
Find A Buyers Agent In A Different City Or State
How Much Home Should You Buy?
You may have heard a real estate Agent or someone else say, "Always buy the biggest home you can afford. It is a good investment and the larger the investment the larger the return on investment will be".
But is that good advice for you? Maybe, maybe not.
When deciding to buy a home the first thing you need to do is get a loan. Yes, get the loan before you shop for homes. The lender will give you a letter stating how the maximum amount they will lend you given your income, debts, and the amount of cash available for down payment and closing costs.
Now that you know the maximum amount you can borrow and what the monthly payment will be on that amount, ask yourself some questions about your "comfort level". We all have a different comfort level when it comes to debt.
Some things that affect each individuals comfort level are:
Do I worry a little or a lot about money I owe?
Am I comfortable that my job is secure and my income will be stable for the next few years?
Do I reasonably expect to have a considerably larger income in the near future?
Am I willing to change my lifestyle (travel less, eat out less often, keep our car for a few more years) in order to make a house payment?
Think about all of that and then decide what payment you are comfortable with. If it is the maximum amount the lender has stated, fine. But if it is less than that amount, then buy less home.
The new home should be a place of comfort, not a place to sit in and worry about how you are going to pay for it!
Besides, you can always "move up" later if you situation or comfort level changes.