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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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Q	What famous example of post-colonial architecture is modeled after the palace of the Duke of Leinster in Ireland?
A	The White House in Washington, D.C., begun in 1792 and burned by the British in 1814, was rebuilt in 1818 and restored in 1951.
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Judy Colvin, REALTOR®, real estate agents and broker for Abilene Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Judy Colvin and Team
RE/MAX of Abilene
2545 South Danville
Abilene, TX. 79605
Direct: 325-793-5077
Raquel Colvin: 325-793-5066
Toll Free: 1-800-234-8021
Fax: 325-695-5313
Real Estate license #: 0340369
Email: judycolvin@number1expert.com
Judy has been giving professional, experienced Real Estate service to families in the Abilene area for over 21 years. The goal of Judy and her team, is to meet and beat your service expectations. The Colvin Team has a result oriented system for a positive Real Estate experience. Please do not hesitate to call or email Judy today.

www.judycolvin.com is brought to you by Judy Colvin
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