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I welcome your call or email and am happy to respond promptly to your requests. 928-274-2265.
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Luminous continues to find me great opportunities!
My purchases and sales through her have been very successful
PWS, Ft. Lauderdale, FLA
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Mountain Country Mortgage, Inc.
Mountain Country Mortgage Sedona Arizona Branch 40 Soldiers Pass Road, Suite 15Sedona, Arizona 86336 Office (928) 204-5527 Fax (928) 282-5361
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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Luminous Realty Team, a proven Sedona, Cornville and CottonWood, Arizona NUMBER1EXPERT™ Top Selling real estate agent. Find Sedona, Cornville and CottonWood Homes - Find Sedona, Cornville and CottonWood, Arizona real estate listings & homes for sale provided by Luminous Realty Team, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Luminous Realty Team, a proven Sedona, Cornville and CottonWood, Arizona NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Luminous Realty Team, a proven Sedona, Cornville and CottonWood, Arizona NUMBER1EXPERT™ Top Selling real estate agent. Sedona, Cornville and CottonWood Information - Find local information on Sedona, Cornville and CottonWood, Arizona including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Luminous Realty Team, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Luminous Realty Team, a proven Sedona, Cornville and CottonWood, Arizona NUMBER1EXPERT™ Top Selling real estate agent. About Luminous Realty Team - Information about Luminous Realty Team including testimonials, guarantees, credentials, and contact information. Learn why Luminous Realty Team is a proven Sedona, Cornville and CottonWood, Arizona NUMBER1EXPERT™ Top Selling real estate agent. 
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First Time Buyers >Affording A Home
Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.
As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.
Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.
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| Q |
Where and when was the first motel introduced on the American commercial real estate scene?
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| A |
The first motel, appropriately named the "Motel Inn", opened in San Luis Obispo in 1925. |
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