Hi,

Please call one of the best mortgages brokers that I know - she will be honest with you and answer all of your questions regarding your obtaining a mortgage. She will let you know what type of mortgage and how much of a mortgage you will qualify for given your circumstances. Her name is Robin Silverberg and she can be reached on her cell phone at (516)972-1687.

After you have spoken with Robin, please contact me directly by phone at (516)410-3594 or by email at Arlynn@ArlynnPalmer.com. I would love to speak with you regarding your needs/requirements in purchasing your next home and help you find the home that is perfect for you!

In the meantime, please visit my website at http://www.ArlynnPalmer.com where you will find FREE Buyer Reports, FREE School and Neighborhood Reports, my Monthly Newsletter and other valuable real estate information.

I'm looking forward to hearing from you soon and working with you to find your next home!

Regards,
Arlynn

Arlynn B. Palmer, ESQ, SRES, CBR, CMS, CNS
Licensed Associate Broker, REALTOR
Coldwell Banker Claire Sobel
(516)410-3594
Arlynn@ArlynnPalmer.com

Happy Retirement!!

It is great that you have an income of $3000 and a down payment of $140. However, it is also important to have great credit and to be able to qualify for a mortgage.

My company have a mortgage division and it would be my pleasure to have a representative contact you to go over your finances and approve you for a mortgae before you begin your search for a home.

Please feel free to contact me at 917-741-5124

Neo
Lots of people would like to say has much.That is great and you should
not have a hard time finding your home. There are a few hurdles that
need to be jump,but all in good time.
If you have additional questions, please direct them
to me or need an agent feel free to call.
My Direct # 347-813-1290.
Here is my website http://fajardodelacruz.realtors.officelive.com
or my e-mail delacruz.fajardo3@gmail.com
Hope to hear from you soon.

Why do you desire to buy the top of the market?

http://www.trulia.com/voices/General_Area/Open_Opinion_Threa…

Neo- It is great you have a down payment of 140k. Assuming you have strong credit, you should qualify for a mortgage payment of ~ $1600/month for taxes, insurance, and principal and interest. This would translate to a purchase price of 300-400k, depending on property taxes, etc. Of course, this is predicated on qualifying you and proof of income continuance, credit, and assets.

I would be happy to pre-approve you.

You mentioned the funds you have available and the income also that you have no debt all good but how is your credit. You should have no problem getting a mortgage but that all depends on how much you want and your credit. with 140k down @ 20 % thats close to 700,000 but $3000 INCOME WILL NOT SUPPORT that note so you will not look for something in that price range. Your credit will reflect in your payment the rate you will get will raise or lower your payment. Based on your abillity to make payments you could look in the $400000 dollar range and not have to use all your downpayment money. I work with some of the best mortgage people out there today, they are very honest and will tell you straight up where you stand in this market. I would love to assit you in making that connection before you begin to search for home.