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Monday, August 31, 2009 @ 1:36:00 PM - Written by Ryan Vaught

August 31, 2009

Just because a lender is willing to loan you a fortune doesn't mean you should take it. Buying more home than you can afford can quickly lead to financial trouble. As a rule of thumb, your mortgage payment should be less than 28 percent of your gross monthly income. Besides your mortgage payment, be prepared for the additional costs of homeownership, such as insurance, property taxes, utilities and maintenance. You may want to scale back the size of the home you're looking for in order to bring the whole package in line with your budget.

Check back this week as I will be going over how to add up a true picture of your monthly expenses and then how to add up a realistic budget for home related expenses (i.e. mortgage, insurance, utilities, etc.). 

Want to be entered in my monthly drawing for a chance to win a dinner for two at Tres Hombres???  It's easy!  Every week, for the next four weeks I will be entering in everyone who leaves a comment to my "Question of the week".  You can enter once a week, every week for the next four weeks.  I will also be giving out 5 "runner up" coupons for buy one margarita get one free at Trest Hombres!  Good luck, and don't forget to leave a comment regaurding the question below:
Question of the Week:  What is your dream house?

Take a look at my market report for today!

Currently Ryan has about 30+ listings in inventory, and has sold 23 homes in 2009. Please don't hesitate to contact me with any questions about Chico area real estate.

Interested in learning more about the Chico area or Ryan?
Vaught Properties: Chico Income Property
Chico Condos: Chico Condo Sales
Ryan Vaught: Ryan's Residential website
Chico Luxury Homes
Chico Investment Property

Ryan Vaught Real Estate
Keller Williams Chico CA
Office Phone: (530) 343-2959

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New Chico Listings, Chico, CA:

2055 - 40 AMANDA WAY, Chico, CA $129,000
  Residential 3 Bedroom 2 Bath Built in 1991   1244 Sq. Ft.
  Updated 2-story 3 bedroom, 2 bath condo with attached garage in desirable, well maintained complex with pool. Unit features newer carpet, paint and fixtures and granite coun...

More information on 2055 - 40 amanda way
1020 IVY ST, Chico, CA $159,500
  Residential 3 Bedroom 1 Bath Built in 1905   0.11 Acres  786 Sq. Ft.
  Cute victorian. Close to college. Rents for $825.00. Call Agent to show.

More information on 1020 ivy st
1085 EATON RD, Chico, CA $205,000
  Residential 3 Bedroom 1 Bath Built in 1962   0.26 Acres  1239 Sq. Ft.
  sq ft, lot size & year built from county records, buyer to verify. Great home with huge back yard! If you're looking for a solid built home with loads of potential this is i...

More information on 1085 eaton rd
1084 E 8TH STREET, CHICO, CA $219,000
  Residential 2 Bedroom 1 Bath Built in 1942   1155 Sq. Ft.
  Long term rental history. Front house 2 bed, 1 bath, back studio with alley access. New lawn sprinklers, lots of shade and new fencing.

More information on 1084 E 8th Street
655 E 19TH STREET, Chico, CA $230,000
  Residential 4 Bedroom 2 Bath Built in 2006   1549 Sq. Ft.
  HUD Home Opportunity! Electronic bids until 8/30/09 for owner occupant priority then owner occupants/investors on a daily basis. HUD is offering specialowner occupant buyer's ...

More information on 655 E 19th Street
4 VINTAGE CT, Chico, CA $245,000
  Residential 3 Bedroom 2 Bath Built in 2001   0.12 Acres  1470 Sq. Ft.
  Nearly new 2001 built 3/2 with an inground, gunite pool for only $245,000? You read it right. This is a very nice, super clean home on a cul-de-sac just a hop, skip, and a ...

More information on 4 vintage ct
40 FAIRGATE LN, Chico, CA $249,000
  Residential 2 Bedroom 2 Bath Built in 1987   0.13 Acres  1151 Sq. Ft.
  Gorgeous and charming home on quiet, tree-lined street. Tile entry, vaulted ceilings in living room and master bedroom. Indoor laundry, washer & dryer stay. Nice kitchen with...

More information on 40 fairgate ln
1242 GUILL ST, Chico, CA $266,000
  Residential 3 Bedroom 2 Bath Built in 1954   0.14 Acres  1404 Sq. Ft.
  Please call listing agent until Monday, August 31. This home has been updated with a new kitchen and bathrooms, it has a lovely brick patio with shade covering. It has a nice ...

More information on 1242 guill st
3396 HEGAN LN, Chico, CA $269,300
  Residential 4 Bedroom 2.5 Bath Built in 1950   0.64 Acres  2333 Sq. Ft.
  Can you say value? Do not miss this opportunity. Large home with loads of potential accompanied by a large parcel and huge shop that could house up to 5 cars. Nice rural feel....

More information on 3396 hegan ln
727 W 11TH AVENUE, Chico, CA $282,900
  Residential 3 Bedroom 2 Bath Built in 1989   0.16 Acres  1665 Sq. Ft.
  Mary Schreiber DRE#00920710. Sq Ft & lot size fm county records, buyer to verify. Great home in great condition! Don't miss out on this centrally located home w/2 sided firep...

More information on 727 W 11th Avenue
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