Buying a Hawks Pointe Home

Buying a home can be one of your most significant investments in life. Not only are you choosing your dwelling place, and the place in which you will bring up your family, you are most likely investing a large portion of your assets into this venture. The more prepared you are at the outset, the less overwhelming and chaotic the buying process will be.  Remember, if you have any questions about the process, we're only a phone call or email away!

Interest Rates on Hawks Pointe Homes

With today's low interest rates use the calculator below to determine your estimated monthly payment.



"4" things you will need to make an offer

  • Pre-approval letter from your bank (Need Help? I can get a pre-approval in one hour)
  • RPA = Residential Purchase Agreement. 
  • EMD = Earnest Money Deposit. A copy of a handwritten check for between 1% to 3% of the purchase price payable to Escrow.
  • Proof of Funds, which is simply 2 months of your Bank Statements.


"2" Things you need to know to figure out how much of a loan you qualify for?

  • What's your Debt-to-Income Ratio
  • What's your FICO score


What’s Considered To Be a Good Debt-To-Income (DTI) Ratio?

Lenders prefer to see a debt-to-income ratio smaller than 36%, with no more than 28% of that debt going towards servicing your mortgage.

Expressed as a percentage, a debt-to-income ratio is calculated by dividing total recurring monthly debt by monthly gross income.

For example, assume you pay $1,200 for your mortgage, $400 for your car, and $400 for the rest of your debts each month. Your monthly debt payments would be as follows:

  • $1,200 + $400 + $400 = $2,000

If your gross income for the month is $6,000, your debt-to-income ratio would be 33% ($2,000 / $6,000 = 0.33).


This video explains Debt-To-Income Ratio and why it matters?



Why do you need to understand what a FICO® Score is and how it’s used?

The answer: Because it’s the credit score most commonly used by U.S. lenders.

This video explains all about FICO Scores.


Please solve the equation.


Click here to Search Hawks Pointe Homes for Sale

Charles Barnes

DRE# 01867951


Alta Realty Group CA


2271 W Malvern Ave, Suite 250
Fullerton, CA 92833

Mobile: 714-603-9022

Office: 888-827-1110



I'm Here To Help

If you are ready to start your buying or selling process
give me a call. I'm happy to answer all your questions.

Contact Me Today