Metropolitan/Greater Seattle, Queen Anne/Magnolia, Fremont/Wallingford and Ballard/Green Lake Washington real estate listings, home buying, selling and relocation information

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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 is considered the primary factor distinguishing buyers of prestigious properties from the average home buyer?
A	Financing doesn't worry these buyers; they often put down 40 percent or more or pay cash for a property
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Ricklie Stone, REALTORŽ, real estate agent and broker for Metropolitan/Greater Seattle, Queen Anne/Magnolia, Fremont/Wallingford and Ballard/Green Lake Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Ricklie Stone, Realtor, CRS, ABR, EcoBroker, ASP
Coldwell Banker Bain Associates
1200 Westlake Avenue N, Suite 406
Seattle, WA 98109
Phone: 206.216.3445
Toll Free: 888.283.2221 ext 1245
Fax: 206.284.6317
Direct Line: 206.216.3445
Email: Ricklie@StickwithStone.com
Real estate is my full-time business and my passion. I am deeply committed to serving your needs -- focusing on your goals, explaining your options, and providing you with the information you need to make informed decisions. My goal is your total satisfaction, your referrals, and your repeat business. My clients get the results they need AND we have fun in the process of buying and selling their home! That's what I strive for in every real estate transaction I'm involved in. Whether you're planning on buying, selling, or you just have a question, feel free to call the Realtor you'll want to stick with, Ricklie Stone. From the Mountains to the Sound, "Stick with Stone" for all your real estate needs. You'll be glad you did.

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