Mortgage Prequalification: Mandeville and Covington Louisiana home buying, real estate listings, and homes for sale in St. Tammany County, LA

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Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you.

In the pre-qualification process, you will find out:

- Exactly how much home or land you can afford.

- How much cash you will need for the down payment.

- The minimum down payment, and advantages of higher down payments.

- What the bank feels you can afford for a monthly payment.

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started.

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Mandeville and Covington Realtor to offer services such as these.

Once you fill out the form, I will quickly process your information and get right back to you!

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Titles >Holding Title to A Condo

With condominiums becoming increasingly popular among today's homebuyers, it is a good time to clarify the terms of ownership that seem to confuse many people. Condo-type residences most commonly fall into two categories - condominiums and townhouses.

A condominium is usually a multi-story structure. Each owner-resident has a deed of ownership for his own unit and owns the space within the unit, but not the land under the structure. Therefore, condo units can be stacked vertically. Condo owners share title to the common areas of the development, including land, exterior of buildings, hallways, roofs and swimming pools -- all areas used by all occupants. Each owner pays property taxes on their unit. Also, a monthly fee is paid to the homeowners' association that is used for managing and maintaining all common areas.

A townhouse, or town home community is usually a series of single- or two-story housing units, each linked to each other horizontally by common walls. Each owner hold title to their unit and the land beneath it, thus these units cannot be stacked vertically. Typically, a townhouse unit will be a two-story residence, with the living area downstairs and bedrooms upstairs. Common areas belonging to the townhouse development are owned jointly. Each townhouse owner pays property taxes and association fees.

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Q	Upon completion this year, what will be the tallest residential building south of New York and east of Chicago?
A	Located in Biscayne Bay, Florida, the $120 million, 51-floor luxury condominium will be called The Santa Maria.
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Stevie Mack, REALTOR�, real estate agent and broker for Mandeville and Covington Louisiana home listings, property and land for sale - NUMBER1EXPERT(tm)

Stevie Mack
ERA Stirling Properties
1321 W. Causeway Approach
Mandeville, LA. 70471
Main Phone: 985-630-1934
985-630-9101
Fax: 985-626-4112
Email: StevieMack@stirlingprop.com
WATERFRONT & LUXURY PROPERTY SPECIALIST Stevie's tremendous success in residential real estate is the result of a true enthusiam and caring for people and their needs. The results are impressive for this professional. ** Over 20 years as a top realtor ** More than $100 Million sold over the last decade ** #1 ERA Stirling Residential Agent 4 years running ** Top 1% producers in St. Tammany Her personalized style has resulted in many clients becoming lifelong friends and an impressive list of repeat and referral clients. As a northshore native, Stevie's knowledge of the homes and communities of this area is unparalleled. This includes a specialized knowledge of WATERFRONT and ESTATE PROPERTIES. ERA � is a licensed trademark of ERA Franchise Systems. An Equal Opportunity Company. Equal Housing Opportunity. Each office is independently owned and operated. All information is subject to verification and is not guaranteed. ERA Stirling Properties, Inc. is a licensed real estate brokerage firm in Louisiana ERA Stirling Properties, Inc., 1321 W. Causeway Approach, Mandeville, LA 70471, USA Main 985-626-5687, era@erastirling.com

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