Ready to buy a house?

Are you ready to make a commitment? Are you feeling the need to get grounded. Do you feel secure enough to take on a mortgage. Are you ready to buy a house? Owning is probably not for you if you can't commit to remaining in one place for at least a few years, maybe not yet. You may end up losing money if you sell any sooner with the transaction costs of buying and selling a home.

You have to make sure your credit history is good if need to get a mortgage to buy a house. Get your credit report done much before you start house hunting,. Make sure everything is clean and fix any problems if you find any. You need to make sure what kind of money you can spend on your new house. How much mortgage can you pay. Will your salary support it? There are calculators available online to get a better handle on how your income, debts, and expenses affect what you can afford You can buy housing that runs about two-and-one-half times your annual salary.You also need to do a lot of research on banks and interest rates because you need to find something that is not going to kill you. You should be able to manage it. There are a variety of public and private lenders who offer low-interest mortgages. There are some who only require a down payment as small as 3 percent of the purchase price. But of course all this rests on the fact that you need to qualify.

It is a great idea to buy property around areas that offer a lot of amenities. Good schools, good transport systems, good shopping areas are preferred. It does not matter if you do not have children who are in school or you are not the shopping type. If this is an investment , even if you plan to live there for a while it is better to think of who your buyers would be down the line. Strong school districts are very important for many home buyers. So when it is time to sell it will help to boost property values.

Whether you are a first time buyer or an experienced investor, you will find useful information about how to choose the "right" property, making an offer, negotiating, financing, mortgage rates, moving, and everything involved in making an informed real estate decision in todays market. If you’re looking to purchase properties, contact realtor Dale Warfel of Keller Williams Realty, who specializes in properties in the San Jose area and can guide you very professionally and efficiently. Keller Williams Realty has a comprehensive online tool which offers direct access to the latest properties for sale in your area.

Garlic Capital of the World

Gilroy is also called the Garlic Capital of the World. This is because it is where the annual Garlic Festival is held in July. it has also earned the moniker Gateway to the Central Coast. It is a great place to live in, quiet and serene. It is situated close to Monterey Bay, Santa Cruz, the San Joaquin Valley, and the San Francisco Bay Area and is in a very central location. It has some great parks with an urban forest which has won many awards. The golf course and museums make it a very interesting place to stay in. Some of the most beautiful parks in the bay area are situated here. They are the Christmas Hill park, Las Animas Veterans Park and the San Ysidro Park. These parks have great trails. picnic/barbecue areas, jogging and hiking paths, horseshoe pits, play fields, softball/baseball fields, children's play areas ,open grass play area.

Gilroy also has the Gilroy Museum which is located in the historic 1910 Carnegie Library Building. The library was built with a $10,000 grant from Andrew Carnegie. It was designed by well-known California architect William H. Weeks. An interesting fact is that the museum stands on a former tennis court which was gifted by local benefactress Caroline A. Hoxett. It is a classic revival style building . Gilroy also has some great golf courses for golfing enthusiasts. Eagle Ridge Golf Club has 18 holes designed by Ron Fream and David Dale. They have incorporated the undulating land, the natural water features and the fantastic views. There are six sets of tee boxes which offer plenty of options, making the course range from 7,005 yards to 5,102 yards.

Dale Warfel of Keller Williams Realty, specializes in properties in this community and also in the surrounding areas of San Jose, Willow Glen, Almaden Valley, Blossom Valley, Morgan Hill, Los Gatos, Saratoga, Campbell, Cambrian, Cupertino, Santa Clara, Milpitas, Alviso, Sunnyvale, Mountain View, Los Altos, and Palo Alto. If you’re looking to purchase properties in any of these areas contact realtor Dale Warfel and he will guide you very professionally and efficiently.