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Alina Clerie


Associate Broker




Cell: (770) 713-4737    Email Me

How Much Do I Qualify For?

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When buying a home, it is helpful to determine the type of home you'll like and how much you can afford before beginning your search. Most lenders allocate approximately 28% of your GROSS MONTHLY INCOME to housing expense. Housing expense includes principal, interest, taxes and insurance (PITI). To get an idea of how much you can afford to pay each month for a home, multiply your gross monthly income by 28%.

When coupled with current outstanding loans, the total for your debt service should not exceed 36% of your gross monthly income. Some lenders may have slightly more liberal requirements or loan interest rates which may increase your purchasing power.

Mortgage interest, property taxes, loan fees or "points" are currently tax deductible (up to allowable limits). Points are generally deductible in the year paid. A point equals 1% of the mortgage amount. If you are in the 28% tax bracket, this is equivalent to receiving a 28% discount on your mortgage interest and property taxes. During the first years of the mortgage your tax savings are especially high because most of your monthly payment goes toward loan interest.

Alina Clerie

About Alina Clerie

Associate Broker

My name is Alina Clerie and I am the REALTOR® for YOU!

I have been in the field of real estate for over 7 years. Having worked in different capacities from accounting to property/asset management to working with buyers and sellers.  I have experience in various types of transactions from rentals to foreclosures, sales and purchases of residential as well as commercial properties.

My clients are my FIRST priority.  With integrity, organization and attention to detail I will work to make your real estate transactions as smooth as possible.  I would love to have a chance to work with you so please contact me right away to get started.  No transaction is too large or too small.

I look forward to working with you!