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First Time Buyers >The Real Bottom Line
An important part of buying a house is sitting down with your real estate agent or a mortgage lender to get a clear idea of how much you can afford. They will add up all of your monthly expenses, the mortgage payment, insurance, real estate taxes, homeowners or condo association fees--and the grand total can throw you into shock!
The important thing to remember is that the grand total isn't really the bottom line. When you add your tax savings to the equation, you may be pleasantly surprised. During the early years of your loan, almost all of the mortgage can be deducted from your state and federal income tax. The same is true of your real estate taxes. If you use part of your house as a home office, you may be able to qualify for additional tax savings. In some areas, homes with ground floor apartments are popular for offsetting part of the mortgage and offering even more tax savings.
When you make calculations about the monthly costs that include the tax savings, you may find that owning your own home is less expensive than renting a house or apartment of comparable size.
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Who received the largest land grant ever given to an English subject for only two beaver skins per year?
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| A |
William Penn, the Quaker leader, received Pennsylvania and Delaware to settle a debt owed his father by King Charles II. |
 See More Real Estate Trivia > |
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Judy Reed
RE/MAX Allegiance
505 South Independence Blvd., Suite 111
Virginia Beach, VA 23452
757-287-2717
Fax: 757-233-1498
judyreed@NUMBER1EXPERT.com
#I am known for my STABILITY, EXPERIENCE and RELATIONSHIPS!!!
I work on a friendly, personal level. I believe it is important to give the best possible personal and professional service in today's market. I work with all my clients on a one-on-one basis. I exhibit a friendliness that generates lots of repeat business and referrals.
I DELIVER RESULTS! PERIOD.   
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