Another important entity in qualifying to purchase a home would be debt-to-income ratio. As Americans, we like purchasing nice things, etc. however, if the goal is to purchase a home, debt-to-income ratio is very important. The debt-to-income (DTI) ratio is the percentage of your gross monthly income that goes to paying your monthly debt and is used by lenders to determine your borrowing risk. Your mortgage payment shouldn't be more than 28% of your monthly pre-tax income and 36% of your total debt. A high debt-to-income ratio could still result in an approval; however, the loan may be lower than expected. If you’re in Florida and looking to purchase your forever home, I’m here for you. With a credit score of 640 or higher and 1 years of employment in the same field, we have programs available that you may qualify for that will provide down payment and/or closing cost assistance. Please contact me for further information, call/text 404-624-6995 or email [email protected]. #realestate #realtor #realestateagent #jacksonvillerealtors #jacksonville #jacksonvillefl #florida #southfloridarealestateagents #northeastflorida (at Jacksonville, Florida) https://www.instagram.com/p/Cp0NKcuLRnm/?igshid=NGJjMDIxMWI=

Out biking the Graham Swamp trails 🚴‍♀️ Got a pic of a gator in a swamp pond too! 🐊 Nature is awesome 🌞 #grahamswamp #grahamswamptrail #theswamp #northeastflorida #floridacycling #bikelife #biketrail #biketrails #floridagirl #flmtblife #flmtb #mtbchick #mtb #mtblove #mtbgirl #mtblife #mtblovers #cycling #cyclinglife #northeastfl #palmcoast #palmcoastflorida #flaglerlife #floridatrails #traillife #nature #alligator #naturelovers #natureisbeautiful #natureisawesome 💚 (at Graham Swamp Trails) https://www.instagram.com/p/CnD4JW1ufuq/?igshid=NGJjMDIxMWI=

A FOO MORE DAYS! #ARCADE #PINBALL #STERNPINBALL #FOOFIGHTERS #KEGNCOIN #KEGANDCOIN #ARCADEBAR #904 #DUVAL #JAXFL #JACKSONVILLEFL #COINOP #DTWD #IMSODUVAL #JACKSONVILLE #JAXISRAD #ONLYINDUVAL #NORTHEASTFLORIDA #RIVERCITY #ZOMBIEYETI @kegandcoin @sternpinball @zombieyeti (at Keg & Coin) https://www.instagram.com/p/CqA2oanOiqL/?igshid=NGJjMDIxMWI=

@onesir Mark your calendar for the NAS Jax Air Show @nasjaxairshow on Oct. 22 & 23rd in Jacksonville 🛩 The Blue Angels will thrill guests with the grand finale, and there will also be aircraft displays, a Kids Zone and a variety of bites. Click the #LinkInBio for more info on the event. #FloridaEastCoast #NortheastFlorida #BlueAngels #Jacksonville #ONELife #LuxuryLifestyle . . . ☎️ 77 33 50 20 20 #Miamiiscalling #OneJZ #SellingSunset #SellingMiami #MultiMillionDollarListing #Miamiiscalling #NothingCompares #MovetoMiami #DreamHomeMiami #LuxuryRealEstate #ONESothebys #Onesir #JZLuxuryProperty (at Miami Beach, Florida) https://www.instagram.com/p/Cj1H600LGnp/?igshid=NGJjMDIxMWI=

{{ #stakingup 🌿my #blackbeautyeggplant 🍆 #inmygarden 🌿🍆🥬🌶 }} #somepinkflowers 🌸 #vegan here 👋🏽😊🥬🍆 #igrowfood #raisedbedgardening 🥬🌿🌶🍅 Last fall was my first season planting in a #raisedbed 💕 I planted 4 types of #eggplant 🍆 which fed me graciously for 7months ‼️ My plants 💕 were always producing, never harmed by too cold weather and peacefully coexisted with various Florida WildLife.😊💕 … Mostly because I kept my #veggiesincages 😯😄🤣 #northeastflorida #growyourown 🥬🍆🍅🌶#veggiepatch #organic ‼️ #floridagardening ☀️ (at St. Augustine, Florida) https://www.instagram.com/p/CSwy3LWq0BK/?utm_medium=tumblr

Looking for a downtown charmer? Try out our Area Profiles to keep you updated on all downtown opportunities. . . . . . . #ameliaislandrealestate #ameliaislandconcours #visitameliaisland #ameliaislandflorida #ameliaislandclub #omniameliaisland #ameliaislandwedding #ameliaislandvacations #ameliaislandliving #fernandinabeachrealestate #fernandina #fernandinabeachfl #fernandinabeachflorida #fernandinabeachinteriors #fernandinabeachhighschool #downtownfernandinabeach #fernandinabeachhomes #wildlightliving #yuleefl #northeastflorida #downtownfernandinabeach (at Fernandina Beach, Florida) https://www.instagram.com/p/CZ419LSlGYR/?utm_medium=tumblr

Remembering all who served.🇺🇸 God bless America!! 🙏🏻🇺🇸 #gatsconstruction #memorialday #remembering #godblessamerica #concrete #asphalt #generalcontractor #jacksonville #duval #stjohns #clay #northeastflorida https://www.instagram.com/p/CPbTmQEhdfO/?utm_medium=tumblr

Did you Know … 50% of buyers find their new home online? The Internet plays a huge role in the world of real estate nowadays. Almost every buyer starts their research online and this is particularly true if you’re looking to purchase a home in different location that your current location. It’s just the world we live in! Search Northeast Florida Homes at CappriceKitchen.com #AmeliaIsland #FernandinaBeach #ameliaislandliving #CappriceKitchen #ameliaislandrealtor #northeastflorida #buythebeachhouse (at Amelia Island, Fl) https://www.instagram.com/p/CPRX12gryC6/?utm_medium=tumblr

It’s HERE! Time to get your SPRING FEST VIBE 🔥🔥 Hit the ground running with the BEST DUVAL County has to offer! 💪🏽 #duvalfest #floridafestivals #northeastflorida #jacksonvilleevents #duuuval https://www.instagram.com/p/CNLC2RZrrv7/?igshid=1wuc8muycxmcy

If you’re in Florida and looking to purchase your forever home, I’m here for you. With a credit score of 640 or higher and 1 years of employment in the same field, we have programs available that you may qualify for that will provide down payment and/or closing cost assistance. Please contact me for further information, call/text 404-624-6995 or email [email protected]. #realestate #realtor #realestateagent #jacksonvillerealtors #jacksonville #jacksonvillefl #florida #southfloridarealestateagents #northeastflorida (at Jacksonville, Florida) https://www.instagram.com/p/CpvC9oALHRW/?igshid=NGJjMDIxMWI=

A hazy afternoon out riding the trails 🚴‍♀️ elevated wooden and damp muddy paths through the swamp, how awesome! #grahamswamp #grahamswamptrail #theswamp #northeastflorida #floridacycling #bikelife #biketrail #biketrails #floridagirl #flmtblife #chickswhomtb #floridamountainbiking #flmtb #mtbchick #mtb #mtblove #mtbgirl #mtblife #mtblovers #cycling #cyclinglife #northeastfl #flaglerlife #floridatrails #traillife (at Palm Coast, Florida) https://www.instagram.com/p/ClDQ94nOl1s/?igshid=NGJjMDIxMWI=

NO FEAR pinball now at Dicks Wings Argyle in Orange Park FL! #904 #orangeparkfl #orangeparkmall #orangepark #nofear #nofearpinball #arcade #pinball #steveritchie #dickswingsargyle #dickswings #nascar #xgames #90s #sports #northeastflorida #I295 #wings #arcadebar #argyle (at Dicks Wings & Grill on Youngerman Circle) https://www.instagram.com/p/Co7dAZnONWj/?igshid=NGJjMDIxMWI=

"It will truly be a building of the future.".. Now "building a 22,500-square-foot building according to the highest standards of green construction and also wiring it with cutting-edge technology that increases its energy efficiency to the point of making it a virtual Net-Zero Energy Building."

{{ #thisview 🌳🌳 #myeveningwalk #myhood in #northeastflorida 🌳🌳🌲🌴🌳🌲🌳🌳 }} #someoinkflowers 🌸 #fallinflorida ✌🏽🙂🌳🌳 #spanishmoss hanging over the #canopyroad 🌳🌳🌲 #nothingisordinary 🌳 ~This. Present. Moment.~ #dontforgettolookup 👆🏽👆🏽👆🏽👆🏽right.where.you.are.now #ilovenature 🌳🌳 https://www.instagram.com/p/CGn5aWplIcP/?igshid=kwr35xy71u1o

Why we love the porches of downtown Fernandina Beach? Start your downtown search with us! . . . . #ameliaislandrealestate #ameliaislandconcours #visitameliaisland #ameliaislandflorida #ameliaislandclub #omniameliaisland #ameliaislandwedding #ameliaislandvacations #ameliaislandliving #fernandinabeachrealestate #fernandinabeachfl #fernandinabeachflorida #fernandinabeachinteriors #fernandinabeachhighschool #downtownfernandinabeach #fernandinabeachhomes #wildlightliving #yuleefl #fernandina #northeastflorida #porchlife #downtownfernandinabeach (at Fernandina Beach, Florida) https://www.instagram.com/p/CZPEoB5r_CT/?utm_medium=tumblr

Old St. Mary’s Church in Green Cove Springs, Florida. Founded in 1878 on the banks of the St. Johns River, the setting looks like a postcard. #oldstmaryschurch #epispocal #historicchurch #oldchurch #greencovesprings #northeastflorida #beautifulchurches (at Green Cove Springs, Florida) https://www.instagram.com/p/B-mexxxBx_R/?igshid=dvquodkh4ozb