Santa Monica real estate, home listings and homes for sale in California. Including North of Wilshire real estate and North of Montana homes - Kate Bransfield, REALTOR® Kate Bransfield REALTOR(r) for Santa Monica, California real estate, Including North of Wilshire real estate and North of Montana homes - NUMBER1EXPERT™ Kate Bransfield NUMBER1EXPERT(tm) for Santa Monica, California real estate, Including North of Wilshire real estate and North of Montana homes

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Kate Bransfield, REALTOR®, real estate agent and broker for Santa Monica California home listings, property and land for sale - NUMBER1EXPERT(tm)
Estates Director
Previews Properties Specialist

Coldwell Banker Residential Brokerage
1608 Montana Avenue
Santa Monica, CA 90403

All agents are NOT alike! Find out why I am a top Santa Monica real estate expert. Call me: 310-395-1133.

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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 famous American building was originally built in 1792, burned and rebuilt 1814-1818 and restored in 1952?

A 
The White House in Washington, D.C., modeled after an Irish palace, is a sumptuous example of post-colonial architecture.
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Kate Bransfield, REALTOR®, real estate agent and broker for Santa Monica California home listings, property and land for sale - NUMBER1EXPERT(tm)

Kate Bransfield
Coldwell Banker

1608 Montana Avenue
Santa Monica, CA
90403
Phone: 310-395-1133
E-Fax: 310-496-0143
Email: kate@SantaMonicaListings.com
Kate@WestsideSpecialist.com

Kate Bransfield has lived and worked in Santa Monica for over 18 years. She combines old-fashioned service and integrity with state of the art technology to help you in any way she can. Receive daily updates of ALL new and reduced listings!...not just Kate's listings. Please do not hesitate to contact her for more information 310-395-1133 or kate@WestsideSpecialist.com. Limitations on Use of MLS Information in Advertising. Except as provided in Sections 12.7, 12.8, 12.11, and 12.15, truthful use of information from the MLS compilation of current listing information, from the MLS’s “statistical report,” or from any “sold” or “comparable” report of the MLS for public mass media advertising by an MLS Participant or Subscriber or in other public representations for purpose of demonstrating market share is not prohibited. However, any print or non-print forms of advertising or other forms of public representations must clearly demonstrate the period of time over which such claims are based and must include the following, or substantially similar, notice: The source of information may or may not have been based on information from the Combined L.A. Westside Multiple Listing Service as of [date the CLAW MLS data was obtained]. Display of MLS data is deemed reliable but is not guaranteed accurate by the MLS. The Broker/Agent providing the information contained herin may or may not have been the listing and or Selling Agent.

REALTORMLSeProEqual Housing


Bob Quick, Branch Manager of the
Santa Monica, Coldwell Banker Offices,
is Proud to Congratulate

Kate Bransfield
In Achieving the Highest Award,
The Designation of

Society of Excellence

Katie Bransfield

Coldwell Banker
1608 Montana Avenue
Santa Monica, CA 90403

310.395.1133

www.SantaMonicaListings.com

Coldwell Banker Previews International


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