Hanover, PA

Save yourself a lot of worry and wheel spinning. Just take some time to figure out just how much you Can afford to spend on a home.

Here are just a few basics one can do while sitting at the kitchen table...

As a rule of thumb a lender will want to see your mortgage payment to equal no more then 29% of your u GROSS income. This this money you make before anything is deducted from the check.

Then you need to consider the currant loan interest rate.. In today market about 6 to 6-5 % is a good figure to work with.

Of course the lower the interest the more home you can afford.

OK lets say you make 60,000 gross pay a year. you take $60,000 x 29% is..174000

Now divide this by 12 months..1,450 now lets say if you add on interest 6% that comes to $ 87.00.

This means to me you should try to find a home that Will run you about 1,000 to 1,100 a month. this way your pmi..( private mortgage insurance) and your interest and taxes will all fit into the 29% of your pay.

I know this is a lot to grasp. But get out the calculator and pay around with the figures.

It pays to be smart and know the odds before taking on a mortgage.....

Comming to spend some time in our town soon? Or maybe you live here already.

I have just found a neat site that allows you to print coupons to use around town.

There are coupons from vaccums to Pizza. Something for everyone to enjoy.

In todays tough time of high gas prices and inflation on the rise who can't use a little help?

And if you are raising kids you know that you can use the food coupons to treat them from time to time!!

Here is the link to your coupons..ENJOY!!

http;//www.eveningsun.com/coupons

Moving to Hanover PA? Or the York County area?

There are many things to do. Some are more important then others of course.

One very important goal is WORK....

Now you maybe coming to town with a job. But most times there is a spouse or a grown chid that will need to find employment.

Here are some link to local company's that are hiring.

http://www.indeed.com/jobs

www.mylocaljobs.org

www.careerbuilder.com

www.beyond.com/careers

www.monster.com

www.jobs.com

May this help make your move a bit less stressful . After all you have enough to worry about.Work should not be one of them. Take your time and review your options know what you will do for a living before you even get here!!!

I found this site and it is packed with great information...

The site is called Trulia.

htpp://www.trulia.com Once on the home page you can plug in any city or town you wish to find your information .

You can check market reports.

community information

School information

Median price ranges

market trends

view maps

view homes for sale.

Ask questions

Have your questions answered by Real Estate professionals

Tons of information you need to see for your self... Come and see some of great answers as well.

The exchange club of Hanover will host the 56 th annual Builders, Home and Garden Show

Held in the south Hanover shopping Center next to Giant..

825 Baltimore Street Hanover PA 17331.

Dates are March 5,6,7,8, 2008.

Hours are Wed- Fri 5:00- 9:00 pm Sat Hours 9:00- 5:00

Cost are $4.00 at the door...Under 16 free with an paying adult.

Refreshments are sold on site...Yummm

This is a huge show put on every year. Almost Every business in town is there strutting there wares. Plenty of free hand out as well. Fun for all

Contact George Hubbard at 717 451 1389 if you have questions...