Believe it or not Winter will be behind us before we know it
If you're a first time homebuyer or if you are in the market for a new home, Spring is typically an ideal time to make your dreams become a reality. New home listings will be popping up and interest rates are at an all time low. Before you start touring homes for sale, it's important to start off with a budget so you know how much you can afford to spend. Knowing what mortgage payment you can handle will also help you narrow the field so you don't waste precious time touring homes that are out of your reach. It is recommended as a guideline that no more than 28 percent of your gross monthly income goes toward housing expenses. Keep in mind that this number includes private mortgage insurance, homeowner's insurance and property taxes. 
I would welcome the opportunity to assist you with your housing needs.