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SELLERS I know exactly what puts a big SOLD sign in your front yard. CALL ME: 936-522-6100
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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 |
In which 'Oil Sheikdom' of the Far East do the wealthy still choose to live in primitive houses on stilts?
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| A |
Brunei's oil wealth results in no income tax, free education and health services, and cheap housing loans for its average citizen. |
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Keith Robertson
Top Guns Realty
12828 Hwy 105 West
Conroe, TX. 77304
936 588-4006
936 522-6100
Fax: 936 588-4040
Email: keithrobertson@NUMBER1EXPERT.com
Keith Robertson's enthusiasm for real estate isn't the only reason he has been a multi-million dollar sales producer year after year since 1989 - it's also because the profession demands the skills he has used all of his adult life.
A father of four, a military veteran and a management professional before entering into real estate, Keith has long been active in the community he now serves. As a member of the Lions Club, Kiwanis Club, the American Legion, VFW and two Chambers of Commerce, he has gained a keen understanding of the heart and soul of the area.   
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