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"Kate has surrounded herself with a great team.”
“I had the unfortunate experience to list with a poor agent who didn't pay attention to details and didn't put my interests first. As a result he couldn't get my condo through to a successful close. I re-listed with Kate and found what a difference a knowledgeable, reliable and efficient Realtor can make. After just a few days we had multiple offers and I sold and closed for WELL over what I would have received through my other agent. In addition to being a great agent, Kate has surrounded herself with a great team.”
"Chris Quigley" Santa Monica
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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 home product makes lawn mowing easier than ever?
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| A |
The Robomow, a robot lawn mower manufactured in the UK by Friendly Machines, can cut 6,000 square yards of lawn all by itself. |
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