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James Potenza Pearland Realtor

James Potenza, ABR, RCC, CNHS

"That New Home Realtor®"

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Why Even Experienced Home Buyers

Make Costly Mistakes

When Financing Their Homes… 

Did you know that your knowledge about home financing can mean the difference between making and losing tens of thousands of dollars?

      If you’re like most people, home financing…with all its hidden costs and games…can be a daunting and confusing event.  And for about 80% of people out there, borrowing $100,000…$200,000…or even $500,000 or more is the largest financial transaction you will incur in your life. 

     Small mistakes can leverage themselves into big losses of money.  That’s why you need to be armed to the teeth, not only with helpful knowledge, but with proven, helpful strategies and questions that will get you the very best mortgage for your situation for the absolute lowest cost available in the market.

     And that’s why I created this report…to give you a number of helpful, straightforward tips for avoiding costly mistakes and getting the very best financing for your dollar.

      Here are seven strategies (I call them “secrets” because so many home buyers disregard them when buying a home) you should consider when financing your home:

Secret #1:  Clearly Understand How Much Financing You Can Afford

     Like it or not, there are two guidelines bankers and mortgage lenders use to determine how much loan you can afford. 

      The first guideline is the Payment To Income Ratio.  This guideline compares your income – or your total household income – to the amount of mortgage payment you’re considering. 

     To calculate the “payment” part of the formula, the lender will take the mortgage payment (principal + interest) and add to it Property Taxes and Insurance.  Hence the term “PITI” (principal, interest, taxes, and insurance).  

      Usually lenders will loan up to 28% of your total household income.   

      But before you think you’re home free, there’s something else you need to know…  

      It’s called the Debt To Income Ratio.  Debt refers to ALL the major monthly payments other than your mortgage payment (PITI).  To arrive at this amount, the lender will consider…  

      Your car payment.

      Your credit card debt and payments.

      Any IRS liens or payments due.

      Any other payments and debts you have (boat, second home, etc.)  

      Then, they’ll compare your total debt to your ability to make current payments with your new home loan added into the equation.   

      Now, here’s the “catch.”  Each mortgage company sets different limits on your Debt To Income ratio, which is why it’s critically important to find a MOTIVATED LENDER!  

      Don’t follow the “canned” financial advice like you see on TV.  Most of that advice is “rule of thumb,” and designed for the lowest credit rating and highest interest rates.   

      Think about this…  

      If you spend two or three days to find a loan that saves you $40,000 to $150,000 or more over its term, your time is WELL WORTH SPENT!  Doing a little homework on your own will literally save you thousands over the term of your loan.


To receive the remainder of this course, please EMAIL us with your name and email address to receive our Buyer Reports.




James gets your home SOLD for TOP Dollar !

Brand New Home Specialist

Dedicated Buyer Representation

Resale Homes - New Homes

Sell Your Home, Buy A New Home....Easy.





Clear Lake Texas Real Estate


As a former EXCLUSIVE Buyer Agency, we still offer the same buyer representation without conflict of interest.

This website includes PEARLAND HOMES FOR SALE, PEARLAND REAL ESTATE, PEARLAND SUBDIVISIONS, Houston area homes, we are no longer exclusive buyer agents and can sell your home, Pearland Realtors, Brand New Home Communities, Houston area Realtors, and Realtors for Pearland and surrounding areas including New Homes In Houston. Also new homes in Manvel, Rosharon, League City. Pearland new homes and ne home communities including Pomona, Sedona Lakes, Meridiana, Rodeo Palms, Shadow Creek Ranch, Southern Trails, Silvercreek, Silverlake, Oakbrook Estate. Manvel new homes and Rosharon new homes in Lakes of Savannah. Home builders we have found to build quality homes are Highland Homes, David Weekly, Perry Homes, Beazer, Lennar, Ashton Woods, Trendmaker, Coventry, and Cervelle Homes. All of our recommended home builders have proven to provide our clients with the best possible experience and have proven to build a very good product. We know some home builders are better than others. We provide our experiences with all of the home builders. We do not favor any one particular builder over another for any other purposes other then opinion of the builders quality of workmanship and service to our clients.

Texas Buyer Realty LLC was formally an exclusive buyer agency and then transitioned to Remax. We are diligently changing our advertisements to reflect that we now list homes for sale and that we are with Remax.  However, there may still be "exclusive buyer agency" or "we never list homes for sale" in some of our advertisements. We have found a way to continue to provide the best possible representation to our home buyers while avoiding potential conflicts of interests. We offer seller representation while avoiding potential conflicts of interests for all parties involved.

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