Avon Real Estate, Avon Lake Real Estate, Lorain County Real Estate and homes for sale in Bay Village and Westlake, Ohio. Relocate Avon Lake, relocate Cleveland- The Kodger Team, REALTORS® The Kodger Team REALTORS(r) for Avon, Avon Lake, Bay Village, and Westlake, Ohio real estate, relocate Avon Lake, relocate Cleveland - NUMBER1EXPERTS™ The Kodger Team NUMBER1EXPERTS(tm) for Avon, Avon Lake, Bay Village, and Westlake, Ohio real estate, relocate Avon Lake, relocate Cleveland

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The Kodger Team, REALTOR®, real estate agents and broker for Avon, Avon Lake, Bay Village, and Westlake Ohio home listings, property and land for sale - NUMBER1EXPERT(tm)

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All agents are NOT alike! Find out why we have been among the area's top real estate experts for over 20 years! Call or e-mail us today!




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Real Estate Tips
First Time Buyers >Affording A Home

Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.

As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.

Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.

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Real Estate Trivia
Q 
What is currently the most sought-after amenity in the majority of upscale homes?

A 
Technology that "enables" a home with features such as structured integrated wiring and broadband Internet access is the current amenity of choice.
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The Kodger Team, REALTOR®, real estate agents and broker for Avon, Avon Lake, Bay Village, and Westlake Ohio home listings, property and land for sale - NUMBER1EXPERT(tm)

The Kodger Team
Keller Williams Realty Greater Cleveland West

Toll Free: 888-309-8326
Office: 440-933-8326
Email: KKodger@kw.com

The Kodger Team is Lorain County Ohio's leading Real Estate Team! Ken and Lois Kodger have been involved in the sale of more re-sale homes within our market area than any other Realtor or team over the past twenty years! Remember, EXPERIENCE COUNTS!! There is a difference in Realtors and the services rendered! Written and guaranteed marketing plans that work set us apart! Contact us to satisfy your North Coast real estate needs! We have lived 95% of our lives in North Olmsted, Bay Village, Rocky River, Avon Lake, and Fairview Park, Ohio so we are exceptionally familiar with our market area! Call us for a free consultaion!

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