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Thank you, Pat, for all your work and making our dream of owning a home come tru! We have been busy unpacking and everything is coming together. We will send you referrals! Thanks again for all your help! Matt, Sara & Jacob

We always ask our clients to write or email us, and tell us truthfully how they appreciated our service to them. Their feedback is so important! Here are a few highlights of what people are saying about us...

"A big Thank you to the Stewart Team!"
"A big Thank you to the Stewart Team for spending so much time helping me find a home. They were thorough and professional."

Paula Nuchols

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"Good job to all!"
"I would definitely recommend The Stewart Team!"

Cindi White

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"Professional Expertise!"
"The Professional expertise, availability and approachability of ALL TEAM members as we went through the home buying process was exceptional."

Dennis & Carol Kapostasy

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"The Stewart Team knows the Business!"
"The Stewart Team is exactly what it says it is - a TEAM!"

The Hasting Family

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"We attempted to sell our home on our own.!"
"We listed our home with the Stewart Team, and had an offer within 10 days!"

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"We would recommend them to anyone!"
"The Stewart Team gave us a realistic appraisal on the value of our house."

The Casey Family

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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	What little-known folk remedy is said to help keep bats away from your home?
A	According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats!
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The Stewart Team, REALTORŽ, real estate agent and broker for Mentor, Concord and Chardon, Ohio home listings, property and land for sale - NUMBER1EXPERT

Pat Stewart-Johnson & "The Stewart Team"
Greater Cleveland Northeast
7400 Center St.
Mentor, OH 44060
Office: 440-255-0905
Voice Mail: 440-668-7151
Fax: 440-255-0906
Email: sales@stewartandstewart.com
To be the best in Real Estate or in any other endeavor in life, you must give 100%, have a genuine interest in people and their best interest, and believe that hard work and integrity go hand in hand. Pat Stewart-Johnson & The Stewart Team believe in these philosophies and have over twenty years of real estate experience. We have carefully selected a team of real estate professionals to help you quickly and effectively get the home that is perfect for you or sell your home for the highest price in the shortest amount of time.

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Mentor, Concord and Chardon, Ohio

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Mentor, Concord and Chardon real estate and homes for sale in Ohio - The Stewart Team, REALTOR® - NUMBER1EXPERT