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Buyer’s Resources

Did you know as a buyer client our services to you are free?

Don’t you want a real estate expert to help you find the best value based on your specific criteria? Then to negotiate the deal to your best possible terms? Don’t do it alone Contact Us Today for a free consultation.

 


Are you ready to start seeing homes in person not just online?

If yes, then fill out our form below and we will respond to you within 4 hours (during regular business hours, of course), Plus we’ll send you our Buyer’s Information Guide:

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How Soon Would You Like To Move?

 


 

7 Reasons to Own Your Home

1. Tax breaks

The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, as well as some of the costs involved in buying your home.

2. Appreciation

Real estate has long-term, stable growth in value. While year-to-year fluctuations are normal, median existing-home sale prices have increased on average 6.5 percent each year from 1972 through 2005, and increased 88.5 percent over the last 10 years, according to the NATIONAL ASSOCIATION OF REALTORS®. In addition, the number of U.S. households is expected to rise 15 percent over the next decade, creating continued high demand for housing.

3. Equity

Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home.

4. Savings

Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax.

5. Predictability

Unlike rent, your fixed-mortgage payments don’t rise over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will increase.

6. Freedom

The home is yours. You can decorate any way you want and benefit from your investment for as long as you own the home.

7. Stability

Remaining in one neighborhood for several years gives you a chance to participate in community activities, lets you and your family establish lasting friendships, and offers your children the benefit of educational continuity.

 


 

Online resources

To calculate whether buying is the best financial option for you, use the “Buy vs. Rent” calculator at www.GinnieMae.gov.
For a directory of local Real Estate Professionals please visit ABC Real Estate Directory

 


 

Tax Benefits of Homeownership

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The tax deductions you’re eligible to take for mortgage interest and property taxes greatly increase the financial benefits of homeownership. Here’s how it works.

Assume:

$9,877 = Mortgage interest paid (a loan of $150,000 for 30 years, at 7 percent, using year-five interest)
$2,700 = Property taxes (at 1.5 percent on $180,000 assessed value)
______

$12,577 = Total deduction 

Then, multiply your total deduction by your tax rate.
For example, at a 28 percent tax rate: 12,577 x 0.28 = $3,521.56
$3,521.56 = Amount you have lowered your federal income tax (at 28 percent tax rate)

Note: Mortgage interest may not be deductible on loans over $1.1 million. In addition, deductions are decreased when total income reaches a certain level.  

 


 

More Info…Printable!

10 Ways to Prepare for Homeownership

Why You Should Work with a Realtor

Contact Us Today,To Help You Find Your Perfect Place!

Sincerely,
Nicole & Tony