"You did what you said you would do!"
"We want to express our thanks to you again for the way you entered our lives and took charge in the selling of our home on Mt. Helix. You guaranteed to sell it within 30 days. Your efforts resulted in two offers within two weeks! You also guided us through the escrow process, giving us the opportunity of choosing the best of several options in the selling process. Thank you for your professional, innovative assistance. You did what you said you would do! We are glad to recommend your services to others."
Ted & Joanna Schwend
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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 |
At the doors of what famous temple do you find yourself when you climb the 'Stairway to Heaven'?
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| A |
The Temple of Heaven in Beijing, China, attracts the local faithful and tourists. |
 See More Real Estate Trivia > |
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