For many people, this is the biggest investment they will ever make.
Stay Within Your Means
How much house can you afford?
Always consult with a professional mortgage representative for advice on your qualifications, how much home you can afford, what your monthly payments will be, and what you should expect throughout the home buying process. Please ask us or your friends and family for mortgage representative recommendations!
A buyer should typically be able to afford a home that is 3 to 3.5 times your annual income.
Your total monthly expenses (including the new home) should never be above 45% of your gross (pretax) income.
Please note that sites such as realtor.com, zillow, and creditkarma are just guides. Your real estate professional can guide you on correct home values and your lender will be able to correctly guide you on financials.
Benefits of Saving Cash
There are several advantages to having cash saved for a down payment and closing costs...
Higher probability of getting approved for a mortgage loan
Shows seller you are serious about buying
Lower mortgage balance and payments
Lower mortgage rates
Less interest expense
Reduced mortgage insurance premiums
Where does your money go at closing? Below is a list of closing costs with typical amounts included.
We take Children’s Privacy very seriously. Our Terms & Conditions only allow this website to be accessed by persons eighteen (18) years or older. Due to the age restrictions of this website, none of the information obtained by this web site falls within the Child Online Privacy Act (COPA). However, if your minor child has provided us with personally identifiable information, you may contact us at the phone number or mailing address listed in the Contact Us Section herein if you want this information deleted from our records. We will then make reasonable efforts to remove your child’s information from the database that stores the information.
This privacy notice discloses the privacy practices for www.731primeteam.com. This privacy notice applies solely to information collected by this website. It will notify you of the following:
What personal information is collected from you through the website, how it is used and with whom it may be shared.
What choices are available to you regarding the use of your data.
The security procedures in place to protect the misuse of your information.
How you can correct any inaccuracies in the information.
Our commitment to Data Security
Information Collection, Use, and Sharing
Keller Williams Prime Team is the sole owner of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contacts from you. We will not sell or rent this information to anyone.
Your Access to and Control Over Information
You may opt-out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website or the bottom of our email communications:
See what data we have about you, if any.
Change/correct any data we have about you.
Have us delete any data we have about you.
Express any concern you have about our use of your data.
Information We Collect
A. Personally Identifiable Information
In order to serve our customers, we collect personally identifiable information, like names, addresses, phone numbers, email addresses, and sometimes credit card information when such information is voluntarily submitted by our visitors. We will only use your personal information for the following purposes: (1) to deliver the products and/or services to you that you have requested; (2) to validate your compliance with the terms and conditions; (3) for content improvement and feedback purposes; and (4) to reach you, when necessary, regarding your use of the website or product(s).
We may disclose personally identifiable information collected if we have received your permission beforehand (such as to fulfill a third party order) or in very special circumstances, such as when we believe that such disclosure is required by law or for other special cases described below.
We may also periodically conduct surveys of our subscribers and customers from time to time so we can improve the products and services that we provide.
By permitting us to collect this information, you will be able to receive information on products and services that may be of interest to you, including related third party offers that we may send to you. You also enable us to personalize your experience with us so that we can provide you with the highest quality of service. We may also use this information to contact you about joint venture opportunities if it appears that you would be a suitable joint venture partner.
By submitting your email address on this website, you agree to receive an email from us. You can cancel your participation in any of these email lists at any time by clicking the opt-out link or other unsubscribe option that is included in the respective email. We only send emails to people who have authorized us to contact them, either directly, or through a third party. We do not send unsolicited commercial emails, because we hate spam as much as you do. By submitting your email address, you also agree to allow us to use your email address for custom audience targeting on sites like Facebook, where we display custom advertising to specific people who have opted-in to receive communications from us.
In addition, you agree that by submitting your telephone contact information on this website and/or registering to receive the product and/or service offered herein, such act constitutes a purchase, an inquiry, and/or an application for the purposes of the Amended Telemarketing Sales Rule (ATSR), 16 CFR ‘310 et seq. and any applicable state and local “do not call” regulations. We retain the right to contact you via telemarketing in accordance with the ATSR and the applicable state regulations.
B. Non-Personally Identifiable Information
We also may collect various types of non-personally identifiable information to help us make your experience more enjoyable, measure site activity to identify future improvements that should be made, and compile aggregate data to help serve site visitors better. For example, we may use such data to tailor our advertisements, develop proper survey questions, improve our business, etc.
As another example, we may use session and persistent “cookies,” session logs, web beacons, GIF/pixel tags, banner ads, third-party click tracking analytics tools (such as Google Analytics), third-party retargeting networks that may display our advertisements to you on other sites that you visit to remind you of us, and third party networks that serve user-requested emails (e.g., for a refer-a-friend email) to collect non-personally identifiable or other aggregated information about site visitors.
Cookies are text files that are used by your computer’s web browser to store your preferences and enable us to enhance your user experience with our website.
Emails or newsletters that we send electronically may use techniques such as web beacons or pixel tags to gather email metrics and information to improve the reader’s experience, such as the number of emails that are opened, whether they were forwarded or printed, the type of device from which they were opened, and the location (e.g. city, state, and county) associated with the applicable IP address.
If you visit this site with an open ID (such as Facebook), you may also be sharing and integrating data with third-party social media sites, and we may track aggregate data about the number of visits to this site with an open ID, the number of items “liked” on this site or items on this site that you choose to share with a third-party social media site.
Other parties such as advertising partners and analytics companies may also be collecting information about your online activity across various websites over time. The information collected by those third parties may include identifiers that allow those third parties to tailor the ads that they serve to your computer or other devices.
Because there is not yet a common understanding of how to interpret web browser-based “Do Not Track” signals other than cookies, we do not currently respond to “Do Not Track” signals that are undefined.
Please note that you do have the option to configure most web browsers to NOT accept cookies. However, be aware that disabling cookies may keep you from having access to some functions or services on our website or the web-hosted software that runs on our website.
We do not control and are not liable for the actions of any third parties whom we may promote. We pride ourselves in working with quality companies but have no control over the actions of those third parties. While we are not liable for any of the actions of those third parties, you should feel free to give us feedback from time to time on your experiences with any third parties to whom we work with so that we may enhance our future service to all customers.
We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.
Commitment to Data Security
All information collected from you is stored in a technically and physically secure environment. We use SSL encryption to protect sensitive information online, and we do everything we can to protect user-information offline. Unfortunately, no transmission over the Internet can be guaranteed to be 100% secure. As a result, while we take reasonable measures to protect your information, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk.
Please contact us by email at firstname.lastname@example.org, by phone at (731) 257-1334, or by mail at 41 Tennessee Ave. S, Parsons, TN 38363.