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=

Today is a very special day to me. It's my middle child's birthday. @904mlewis Mommy loves you and I'm so proud of all that God has blessed you to accomplish. I miss you and pray that your day is magnificent. Happy Birthday Baby! https://www.instagram.com/p/CpvtTmVLdhk/?igshid=NGJjMDIxMWI=

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=

Posted @withregram • @thenorthcarolinabeat #BREAKING: Three #Texas women are missing in #Mexico after they crossed the border two weeks ago to sell clothes at a flea market. Two sisters, 48-year-old Marina Perez Rios, 47-year-old Martiza Trinidad Perez Rios, and their friend 53-year-old Dora Alicia Cervantes Saenz, crossed into Mexico on February 24, 2023. https://www.instagram.com/p/CpqUGCIO_o2/?igshid=NGJjMDIxMWI=

• @niqueatnite_ According to y’all logic cartel only mess with you if you drug smuggler so I guess they was trying to smuggle too https://www.instagram.com/p/CpoM0ZzrfRj/?igshid=NGJjMDIxMWI=

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 2 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/CplDo2bOUop/?igshid=NGJjMDIxMWI=

Thankful for The Women in my life! DanaLewis.exprealty.com #diversity #realtor #jacksonvillerealtor #jacksonvillerealeatate #flrealtor #housesforsale #thehelpfulagent #home #houseexpert #houseforsale #realestate #realestateagent #househunting #Jacksonville #jacksonvillefl #jacksonvilleflorida #jacksonvillerealestate #jacksonvillerealestateagent #florida #floridarealestate #floridarealestateagent #flrealestate #flrealestateagent (at Jacksonville, Florida) https://www.instagram.com/p/CpifidQLmOg/?igshid=NGJjMDIxMWI=

Corrine said she don’t have no quick pick but someone apparently has one with her name on it or something. She out out a press release saying it’s a fake. 😳😳 #duvalelections #jacksonville (at Jacksonville, Florida) https://www.instagram.com/p/CpgfZuyL2b6/?igshid=NGJjMDIxMWI=

Posted @withregram • @doctorramani Narcissistic people LOVE to triangulate – so if you leave someone in your life alone with the narcissistic person they may get pulled into something messy. https://www.instagram.com/p/CpZoEuvumAq/?igshid=NGJjMDIxMWI=

• @thenorthcarolinabeat Civil Rights Attorney Benjamin Crump has joined the legal team for the family of #ShanquellaRobinson. Crump, Shanquella Robinson’s family attorney, Sue-Ann Robinson, Shanquella’s mother, Salamondra Robinson, Shanquella’s sister, Quilla Long, and others will hold a press conference Friday, March 3, 2023 in #WashingtonDC. According to a press release from Ben Crump, the press conference is to "demand diplomatic intervention by President Biden and the U.S. Department of State to prioritize bringing those accountable for Shanquella Robinson's death to justice." https://www.instagram.com/p/CpUMag0Ou6_/?igshid=NGJjMDIxMWI=

FBI Jacksonville is looking for agents. #Jacksonville #FBI (at Jacksonville, Florida) https://www.instagram.com/p/CpTwxQgrX8r/?igshid=NGJjMDIxMWI=

JSO is hiring for corrections officers: SALARY Corrections Recruit (while going to the Academy and during the Field Training Program): $41,796 annually ($20.10 per hour) Upon completion of training: $43,980 annually ($21.14 per hour) After one year of continuous service: $46,356 annually ($22.29 per hour) Limited Time Hiring Bonus - A $10,000 hiring bonus for both certified and non-certified applicants to be disbursed in the following schedule: $2,500 upon completion of the Corrections Training Academy, $2,500 upon completion of the Corrections Field Training Officer (FTO) Program, and $5,000 at the end of probation. The hiring bonus is currently available for the next two Corrections classes in March 2023 (Must apply by Wednesday, February 8, 2023) and June 2023 (Must apply by Wednesday, May 10, 2023). Automatic step increases to $70,596 annually after 17 years of continuous service Corrections Sergeants earn 20% above an officer’s pay, ranging between $64,320 to $84,708 annually. Corrections Lieutenants earn 20% above a sergeant’s salary, ranging between $77,184 to $101,652 annually. In addition, those in corrections ranks may be eligible to receive education incentives. Other pay premium includes shift differential, working out-of-classification, state career incentives for advanced training, etc. Additionally, annual salary increases if assigned to a facility with 12-hour shifts. (at Jacksonville, Florida) https://www.instagram.com/p/CpRzDFluEyS/?igshid=NGJjMDIxMWI=

JSO is hiring for 911 Operators. SALARY Starting salary of $45,100 annually ($1,734.62 bi-weekly) Limited Time Hiring Bonus - A $5,000 hiring bonus to be disbursed in the following schedule: ​$1,000 upon completion of the Communications Training Officer (CTO) Program-Dispatch Class, $2,000 upon completion of the CTO Program, promoting to a solo Dispatcher (PECO II), and $2,000 at the end of probation (one year as a solo Dispatcher (PECO II). 5% pay increase after the successful completion of one year probation 6% shift differential for midnights 8% pay increase after three years of service in this role BENEFITS 160 hours of Paid time off (Annual Leave) 12 paid holidays 1 personal leave day Defined Contribution (DC) Plan – 401(a) 8% from employee City of Jacksonville contributes an additional 12% (150% match) Total: $9,020 est. contribution per year Medical / Dental / Vision plans Employee Life Insurance Paid Parental Leave 240 hours per year for Military Leave (at Jacksonville, Florida) https://www.instagram.com/p/CpRywF1OmOr/?igshid=NGJjMDIxMWI=

This is what covert narcissists use to get their victim to trust them and it’s the same method they use on others when they’re smearing the name of their victim. One truth filled with a ton of lies, makes the listener believe it all. https://www.instagram.com/p/CpRMB-6Lc-x/?igshid=NGJjMDIxMWI=

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 2 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/CpQKUsiObIA/?igshid=NGJjMDIxMWI=

Posted @withregram • @blackfarmlandownersmatter UPDATE. CALL TO ACTION. Thank you to everyone for their support, I appreciate everyone who has shared, donated and showed up to the ranch to help and security. Can not do this without the people, but we still have work to do to get #justiceforthemallerys and #savefreedomacresranch Please keep calling and emailing, please share this information that has the ways to help and support, events and information. We have to keep the pressure on the officials to make sure that there is a proper investigation so they #firegerhart #blackfarmersmatter #blackfarmlandownersmatter #farmingwhileblack #farminpeace https://www.instagram.com/p/CpO8LcmObQ_/?igshid=NGJjMDIxMWI=

Wishing My Beautiful Baby Girl, @tgijaz the Happiest of Birthdays! I'm so proud of you, Enjoy your day! Mommy loves you. https://www.instagram.com/p/CpG5rqvLv1z/?igshid=NGJjMDIxMWI=