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I Wanna Hold Your Hand: First Time Homebuyers
Author: Elaine VonCannon
The Empowerment of Owning Your Own Home
Purchasing a home is one of the most powerful and terrifying events of a person’s life. It is a challenge, but once this challenge is met with strategic planning, knowledge and excitement it becomes an investment. One that will change your financial future and bring more return than you ever imagined. The first step is finding a real estate agent with integrity and experience. The perfect agent will be one who fosters trust, believes in buyer education and offers emotional support. Over time seasoned buyers come to view these agents as partners in locating and analyzing the best investments available.
Don’t Be Afraid of Cold Feet
A first time buyer should expect to feel an initial wave of buyer’s remorse. There is always a moment of panic or doubt right after the first offer is made. Don’t hesitate to ask your real estate agent questions and to communicate your fears. The agent is there to explain each step of the transaction and to interpret local and state laws. Remember that buying a home is a long-term investment. Most properties increase in value and if the purchase is planned well you will have more money in the end. Let the real estate agent know your plans for the future. Is there a chance you will rent the property later? Do you plan to live in the house for less than five years or more than ten? Think clearly and consider all the possibilities. If you are buying an older home be realistic. Prepare for repairs and hard work. Expect to make changes and improvements that will increase the return on your investment.
Building a Foundation For a Better Life
The benefits of ownership can change the financial profitability and personal outlook of one’s life. The power of purchasing property creates a refreshed sense of security and freedom. The tangible pay off of seeing your money in action creates confidence and pride. Renting takes only the present moment into account, buying allows you to invest in your own future. Unlike unpredictable rental fees, mortgage payments are stable or increase gradually. A mortgage payment increases your credit score and opens doors to other investment opportunities. A successful purchase allows you to personalize your living space, which gives you the motivation to stay on top of your investments. Take a look at your neighborhood and become more inspired, more proactive. Build the perfect atmosphere and home and look forward to an even more exciting return on your investment.
Tax Incentives Make Buying The Better Choice
Buying a home allows you to build equity and have huge tax breaks. Mortgage interest and annual local and state property taxes are deductible. Since the first few years of mortgage payments are mainly interest, and therefore deductible, the savings is amazing. Up to $100, 000 interest on home equity loans can also be deducted. Loans and interest on loans used to improve a home with the intention of renting can be deducted, as well as, mortgage interest on second homes if you rent them. Capital improvements made to increase the value of a home can be recorded and reduce the capital gains. To explore all of the tax advantages of purchasing and owning a home remember to consult a professional in your area. The joy and accomplishment of ownership are waiting for you!
About the Author
Elaine VonCannon is a REALTOR with RE/Max Capital in Williamsburg, Virginia, and she manages investment property as part of her business. Elaine is also an Accredited Buyer's Representative as well as a Senior Real Estate Specialist. She has helped numerous clients invest in and make money on property in Southeastern Virginia.
Article Keywords:
Home Loans
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As you may know, I have a very deep passion for real estate and mortgages. In
fact, this website is a true labor of love for me.
As publisher, one my many duties is to review the many books, programs
and courses about real estate and mortgages that are on the market today. I’ll
be honest with you. Most of them are garbage. (Although
I do strongly recommend the programs in the “Must Have” box
above).
But, let me tell you, when I came upon the following headline, I new
I found a winner…
“Learn How To Quickly Build At Least $40,000
Worth Of Home Equity And Pay Your Mortgage Off In 10 Years Or Less”
-Without Making Biweekly Mortgage Payments-Or Changing Your Current Mortgage.
Now, the reason I knew it was a winner was because of the name behind
the headline. Craig Romero. Many consider Craig to be one
of the true geniuses in our field. I have a lot of respect for
him, and I
urge you to drop what you are doing right now and click the link below... |
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