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The Kristin Gwaltney Team Welcomes You To Clarksville Tennessee, Fort Campbell Kentucky & Oak Grove Kentucky! Our Team Of Real Estate Professionals Specialize In New Homes, Custom Built Homes, High End Luxury Homes, Existing Homes & Investment Properties.   Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes. Need local real estate information? We've summarized much of what is important about the Clarksville, Montgomery County and Fort Campbell, KY real estate market in this site. Need Immediate Assistance? Click on our NEW and innovative LIVE SUPPORT help button found on the right side of every page. You will immediately be able to speak to a Kristin Gwaltney Buyer Specialist. If you have a question about one of our listing and would like to speak by phone with one of the Specialist on the Kristin Gwaltney Team, on the right side of the listing press the CLICK-to-CALL button.
Want to build a CUSTOM HOME? No problem. We represent some of the TOP BUILDERS in town. Call today and find out just how easy it is to build your own custom home.
Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job. Contact us with CONFIDENCE! We are ranked #2 out of over 700 agents so far in 2009. We not only know the beat of the market we guarantee your privacy will be respected through your real estate process. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As top Clarksville, Montgomery County and Fort Campbell, KY real estate agents, we have the experience and track record you are looking for. Please let us help. - Kristin Gwaltney
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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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| Q |
What building has been named the 21st Century Townhouse project?
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| A |
4 townhouse in Bowie, MD made of giant foam/board panels, concrete/styrofoam block frames, steel, and aerated concrete. |
 See More Real Estate Trivia > |
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