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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 is considered the world's most renowned living architect?
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| A |
I.M. Pei who retired in 1991; he earned this status after designing the glass pyramid entrance pavilion to the Louvre in Paris (1989). |
 See More Real Estate Trivia > |
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Pat McGee
Keller Williams Real Estate
300 Welsh Road Building 4 Suite 145
Horsham, PA 19044
215-657-8100
Fax: 215--657-8105
pat@patmcgee-realestate.com
Former president of a Fortune 500 subsidiary who likes people and enjoys the challenge of getting the best value for his clients. Certified e PRO who is committed to giving the professional service to his customers which they have a right to expect and deserve to receive. Willingly accepts the challenge to "Buy Low and Sell High".
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