Severna Park MD Homes and Real Estate - Coldwell Banker Residential Brokerage

Recent Sales

Featured picture for the property MDHW2026610

$170,000

COLUMBIA, MD

beds

baths

Featured picture for the property MDBC2062628

$370,000

GWYNN OAK, MD

beds

baths

Featured picture for the property MDCA2008900

$375,000

LUSBY, MD

beds

baths

Featured picture for the property MDCA2007420

$950,000

LUSBY, MD

beds

baths

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Debt-to-income Ratios

Debt-to-income Ratios When you’re ready to buy a house, a lot of jargon is thrown around. One term you’ll hear a lot is debt-to-income ratios. If you’re not a math wizard, such lingo can sound intimidating, but it doesn’t need to. Debt-to-income ratios are simple to figure and use to your advantage, even giving you the opportunity to figure out how much house you can afford before you even set out to look. The debt-to-income ratio is, simply, the way that mortgage lenders decide how much money you can comfortably afford to borrow. It is the percentage of your monthly gross income (before taxes) that is used to pay your monthly debts (not your monthly living expenses). Two calculation…

Five Stars Review Sylvia Christenson Retiree 05/14/20 04:33 AM Gloria is trustworthy,professional and hardworking. My home sold for 5000 over the asking price. Gloria worked very hard to get the job done well. I recommend her highly.

-Sylvia Christenson, Client

Five Stars Review Catherine Hudson [No Last Name Provided] Relocator 09/17/20 05:04 AM Gloria's calm and relaxed demeanor was such a comfort in the always stressful and sometimes chaotic process of purchasing a home. She is always easy to contact, even if it is with an early or late text. We were able to see my deal through from touring a house to settlement within …

-Catherine Hudson, Client

Five Stars Review Christine Mantich First-Time Buyer 06/10/18 06:32 PM I loved working with Gloria. I found my new home rather quickly, and almost wish I hadn't because it was such a pleasure working with her. She was very responsive and informative throughout my search, and when I did find my new home she followed up in a timely fashion on the important details to …

-Christine Mantich, Client

Five Stars Review Terry Lee Relocator 04/05/21 09:56 AM My family and I had the pleasure of working with Mrs. Shuler on purchasing our second home and selling our first home, all at the same time. Mrs. Shuler was great to work with, she was very patience with us and always professional. She always took the time to be honest and explained things to my husband and I. …

-Terry Lee, Client

Five Stars Review Tonia Awoniyi Downsizing 04/06/21 06:59 AM Look no further; Gloria is the perfect agent. She is knowledgeable, kind, and a strong advocate. She goes above and beyond the call of duty for her clients. I highly recommend her services.

-Tonia Awoniyi, Client

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Gloria Shuler

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Debt-to-income Ratios

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