Building Stapleton, One Neighbor at a Time

Diana Kearns, ABR, Managing Broker.
Michael Kearns, GRI, e-PRO, Managing Broker.

RE/MAX City Horizons @ Stapleton • 2373 Central Park Blvd. • Denver, CO 80238 .

It's a neighborhood, a community, a way of life. Find out about Stapleton Denver.Thinking about selling your home in Stapleton? We've listed and sold more homes than any other real estate agent!18 builders, hundreds of floorplans, homes from $100,000 to more than $1 million.The Stapleton real estate market is HOT, and we're on top of it! Check out Property Listings and our info for buyers and sellers.Looking for a long term or short term rental in Stapleton? We can help!Contact Us!



Diana and Michael Kearns

Building Stapleton, One Neighbor at a Time

Buyers and Sellers
Thinking about selling your home in Stapleton? We've listed and sold more homes than any other real estate agent!
18 builders, hundreds of floorplans, homes from $100,000 to more than $1 million.
The Stapleton real estate market is HOT, and we're on top of it! Check out Property Listings and our info for buyers and sellers.
Search for Denver Homes using the MLS system and learn about buying and selling homes in Denver.
Check out our calendar of Stapleton Open Houses
Considering moving to Denver? Learn more here and request a relo package
Click here for everything you need to know (but were afraid to ask) about buying or selling your home!
Looking for a long term or short term rental in Stapleton? We can help!
Need moving boxes? Have some to get rid of? Check out our Moving Box Exchange!

About Stapleton It's a neighborhood, a community, a way of life. Find out about Stapleton Denver.
What's happening in Stapleton? Find out here!
Everybody's talking about Stapleton. Read what they have to say!

The Kearns Team
We live in Stapleton. We Work in Stapleton. We Sell Stapleton. Contact us for all your Stapleton real estate needs!
The biggest compliment we can get is a referral from our clients. See what they say about us.
Contact Us!

Links
Check out the official Forest City Stapleton Website, the Stapleton neighborhood intranet, and much more!
Everything you need for your home is at the Home Center @ Stapleton
Denver Real Estate and Relocation Specialists
Moving to Denver? ReloDenver is your #1 source for Denver Area Information and Relocation Tips.
Reciprocal Link Exchange with premier real estate companies worldwide!

 

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How Large a Loan Can I Qualify For?

Lenders use a formula called a debt-to-income ratio to determine the loan amount for which you may qualify. This ensures that your total monthly debt doesn't take up too much of your income, and you remain inside your financial comfort zone after you buy a home.

Typically, a debt-to-income ratio compares your anticipated monthly housing payment to your gross (pretaxed) monthly earnings and your monthly debt (your credit card and any other loan payments, plus your mortgage payment).

For example, it used to be that most loan programs required a 28/36 debt-to- income ratio, which meant you could devote up to 28% of your gross monthly income to housing expenses, while your monthly housing expenses plus your monthly debt combined could be as high as 36%.

Many of today's loan programs offer expanded guidelines that allow you to devote more of your gross monthly income to your combined monthly debt. And with the increased use of credit scoring and automated underwriting, many home loan applicants benefit from more flexible debt-to-income guidelines that allow them to be approved for higher loan amounts.

Our Mortgage Partners can help you get a better idea of the maximum mortgage amount you can afford. Once you have this maximum figure, it's up to you to decide if this is the right amount for you, or if you would feel more comfortable with a smaller mortgage and a lower monthly payment.

Mortgage Home Page

How important is my credit history?

How much do I need for a down payment?

What about closing costs?

How large of a loan can I be approved for?

What does my mortgage payment include?

What are my possible financing choices?

Loan shopping tips!

Get Pre-Qualified!

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Contact us today, and find out how we are

Building Stapleton, One Neighbor at a Time

 

For more information, please call your Stapleton Real Estate Experts,
The Kearns Team at (303) 598-2076, or Contact us today!

 

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Building Stapleton is a service of The Kearns Team and is not affiliated with Forest City Stapleton, Inc. or The Stapleton Development Corporation. Material for this website has been developed by The Kearns Team and obtained from Forest City Stapleton, Stapleton Builders, The Denver Metro Economic Development Corporation, the City and County of Denver, Denver Public Schools, and other sources. Material is deemed reliable but not guaranteed.

© 2006-2008, The Kearns Team, LLC