Price	Minimum Any $0$50,000$75,000$100,000$125,000$150,000$175,000$200,000$250,000$500,000 Maximum Unlimited $50,000$75,000$100,000$125,000$150,000$175,000$200,000$250,000$500,000$1,000,000
Bedrooms	Minimum Any 123456   Maximum unlimited 012345
Bathrooms	Minimum Any 012345   Maximum unlimited 012345
Type	Any Home Condo Townhouse Apartment Mobile Home Duplex Triplex Farm or Ranch Other
MLS #
City	Any Atmore Bay Minette Bratt Brewton Century Davisville E Brewton Excel Frisco City Huxford Flomaton Gulf Shores Jay McCullough Monroeville Nokomis Perdido Pensacola Range Repton Stockton Uriah Walnut Hill Other Cities
Address
Acreage	Any Less than 1 acre 1-5 acres 5-10 acres 10-20 acres 20-30 acres 30-50 acres 50-100 acres 100 + acres
Show listings	All Listings 1 day old 2 days old 3 days old 1 week old 1 month old
Sort by	Any Order Price Low->High Price High->Low Bedrooms High->Low Bathrooms High->Low Bedrooms Low->High Bathrooms Low->High

Price	Minimum Any $0 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $250,000 $500,000 Maximum Unlimited $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $250,000 $500,000 $1,000,000
Square Feet	Minimum Maximum
MLS #
City	Any Atmore Bay Minette Bratt Brewton Century Davisville E Brewton Excel Frisco City Huxford Flomaton Gulf Shores Jay McCullough Monroeville Nokomis Perdido Pensacola Range Repton Stockton Uriah Walnut Hill Other Cities
Address
Acreage	Any Less than 1 acre 1-5 acres 5-10 acres 10-20 acres 20-30 acres 30-50 acres 50-100 acres 100 + acres
Show listings	All Listings 1 day old 2 days old 3 days old 1 week old 1 month old
Sort by	Any Order Price Low->High Price High->Low

Price	Minimum Any $0 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $250,000 $500,000 Maximum Unlimited $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $250,000 $500,000 $1,000,000
City	Any Atmore Bay Minette Bratt Brewton Century Davisville E Brewton Excel Frisco City Huxford Flomaton Gulf Shores Jay McCullough Monroeville Nokomis Perdido Pensacola Range Repton Stockton Uriah Walnut Hill Other Cities
Address
Acreage	Any Less than 1 acre 1-5 acres 5-10 acres 10-20 acres 20-30 acres 30-50 acres 50-100 acres 100 + acres
MLS #
Show listings	All Listings 1 day old 2 days old 3 days old 1 week old 1 month old
Sort by	Any Order Price Low->High Price High->Low

So I really need to use an Agent to buy a house?


Probably, for two reasons. First, in virtually all situations, the buyer does not pay a commission, so the services of an Agent working for you are paid for by the seller. Second, without an Agent, you may be missing valuable representation of your interests. Looking to find an Agent? Click here to choose an Agent in your area. You can compare backgrounds, experience and more.



How do I know if I am getting a good deal on a mortgage?

In a word: Compare. There is a good deal of variation in the mortgage market, not only from week to week, but from lender to lender. Many newspapers list current mortgage rates for your local area in their Real Estate sections, often on Saturday or Sunday. Check them. Your realtor is a valuable resource to help you locate a lender and get you a proved!




How much house should I buy? How much can I afford?


The answer to this has a lot to do with your income and the amount of your debt load. As a rough rule of thumb, most home buyers purchase houses that cost between 1 1/2 and 2 1/2 times their annual income. For example, a home buyer earning $40,000 per year would buy houses costing between $60,000 and $100,000. There is, however, a degree of variation due to the individual market prices of the area in which you are interested. In some areas, there may not be houses available within that range, so you may need to spend a bit more. In general, however, your monthly mortgage payment cannot exceed approximately 28%-29% of your gross monthly income. Your total debt payments (car payments, credit card payments, etc. plus the monthly mortgage amount) cannot exceed approximately 36%-40% of your gross monthly income. These ratios will depend on the type of mortgage for which you are applying. For more information on mortgages and to begin the application process, see the section devoted to Businesses and services.