Indiana Realtor, Javina Lyles

10/09/2025

Are you looking to a quality property that is full of character and space we’ll look no further. This gem awaits its new owner . Call me today to view this won’t last long .

02/28/2025

Information you can use

🚨Here’s the Max Mortgage Payment you can Afford based on your Income:

$50,000 Annual Income:
- Monthly Gross Income: $4,166.67
- Max Monthly Housing Cost (30%): $1,250.00
- Max House Price: $205,000

$100,000 Annual Income:
Monthly Gross Income: $8,333.33
- Max Monthly Housing Cost (30%): $2,500.00
- Max House Price: $410,000

$150,000 Annual Income:
Monthly Gross Income: $12,500.00
- Max Monthly Housing Cost (30%): $3,750.00
- Max House Price: $615,000

$200,000 Annual Income:
Monthly Gross Income: $16,666.67
- Max Monthly Housing Cost (30%): $5,000.00
- Max House Price: $820,000

$250,000 Annual Income:
- Monthly Gross Income: $20,833.33
- Max Monthly Housing Cost (30%): $6,250.00
- Max House Price: $1,025,000

$300,000 Annual Income:
- Monthly Gross Income: $25,000.00
- Max Monthly Housing Cost (30%): $7,500.00
- Max House Price: $1,230,000

These are estimates. The actual house price you can afford may vary depending on your individual circumstances, such as your credit score, debt-to-income ratio, and the specific property taxes and insurance costs in your area.

It's often wise to spend less than the maximum to have a more comfortable financial cushion.

Consider consulting with a financial advisor or mortgage lender for personalized advice and when your’re looking for and realtor don’t forget to call your favorite realtor MEEEEEEE❤️219-900-5500

02/28/2025

It’s only February and 2025 is looking great 11 homes closed already🥰If you looking for broker that navigates with a mix of her heart, tenacity and who will fight to protect your best interest . Then look no further

02/27/2025

🚨HOW TO BUY YOUR FIRST HOME🚨

Buying your first home can feel overwhelming, but breaking it down into manageable steps makes the process much smoother. Here's a 7-step guide to help you navigate your first home purchase:

1. Get Your Finances in Order:
- Check your credit score: A good credit score is crucial for securing a favorable mortgage rate.
- Calculate your budget: Determine how much you can afford for a down payment and monthly mortgage payments. Consider all expenses, including property taxes, insurance, and potential maintenance costs.
- Save for a down payment: Start saving as early as possible. Explore first-time homebuyer programs that may offer down payment assistance.
- Gather financial documents: Collect pay stubs, tax returns, and bank statements, as lenders will require these.

2. Get Pre-Approved for a Mortgage:
- Getting pre-approved by a lender allows you to know exactly how much you can borrow.
- This also demonstrates to sellers that you're a serious buyer.
- Shop around for different lenders to compare interest rates and loan terms.

3. Find a Real Estate Agent:
- A good real estate agent can guide you through the homebuying process, negotiate on your behalf, and provide valuable insights into the local market.
- Look for an agent with experience working with first-time homebuyers.

4. Start Your Home Search:
- Create a list of your must-have features and desired locations.
- Utilize online resources and work with your agent to find properties that meet your criteria.
- Attend open houses and schedule showings to view potential homes.

5. Make an Offer:
- Once you've found the perfect home, work with your agent to craft a competitive offer.
- Your offer should include the purchase price, contingencies (such as inspections), and a proposed closing date.
- Your agent will help with the negotiation process.

6. Conduct Home Inspections and Appraisal:
- Schedule a professional home inspection to identify any potential issues.
- Your lender will also require an appraisal to determine the property's fair market value.
- These steps are very important to protect your investment.

7. Close the Deal:
- Once all contingencies are met, you'll proceed to the closing.
- Review all closing documents carefully before signing.
- Finalize the mortgage and transfer ownership of the property.
- Then you will recieve the keys!

By following these steps, you'll be well on your way to achieving your dream of homeownership.

12/26/2024

Giving out some last minute tokens of appreciation to my awesome community wrapping paper, popcorn and pies ❤️❤️🎅🏽

12/26/2024

11/15/2024

Happy Friday Scheduling my clients showings for the weekend if you’re in the market to buy or give me a call let me take the stress away allowing you to dance to the closing table

We’re stilling running our veterans day special giving Vetrans a well deserved $3000 credit toward closing cost.

☎️‼️‼️📞📞Call me today 219-900-550

11/12/2024

‼️‼️‼️Fall Installment of Lake County Property Taxes due today 11/12/24. Property Tax payments will be accepted on-line until 11:30 PM CST on Tuesday, November 12, 2024.