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"Where Your Home Buying Dreams Become Reality"

Renting verses Owning: What's right for me?

Home Ownership is a Healthy Investment!

Buying a home is one of the biggest purchases of your life. Buying a home is also one of the smartest decisions you'll ever make.

Renting vs. Owning

* When you take rent prices into account, along with the fact that mortgage interest and property taxes are tax deductible, monthly mortgage payments may be lower than your monthly rent.

* When you pay rent you end up with receipts rather than an investment.

* Landlords often raise rents $50 - $100 every year but mortgage payments usually remain stable.

* You can deduct mortgage interest if you buy. If you rent, your landlord gets the deductions and uses your rent to pay the mortgage.

* You can deduct real estate taxes when you own, if you rent, the landlord takes the tax deduction.

Rewards of Home Ownership!

* Great Tax Advantages.

* Mortgage Interest is tax deductible.

* Real estate taxes are tax deductible.

* Local tax benefits are usually available.

* You can defer taxes on the profit if you sell your home and purchase or build another home. (for at least as much as the one you've sold within 24 months-Consult your tax accountant)

* Profits up to $ 125,000 are tax-free without re-purchasing if you are 55 or older and meet other requirements when you sell. (this is a one-time only option-Consult your tax accountant)

Investment Benefits of Home Ownership!

* You'll build equity.

* You can sell and collect your equity in cash.

* Profits are normally better on home investments than most other investments.

* Home equity provides a source of emergency funds, since you can usually borrow on it.

* Land appreciation adds to the value of your home.

* Population growth increases the housing demand.

* Homeownership can be an important part of retirement planning.

* Personal Satisfaction of home ownership.

* Normally more living area.

* Your degree of privacy is greatly increased.

* Sense of community - Your home makes you a solid part of your Community.

* You achieve the dream of most Americans - to have your own home.

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