Wayne, Kinnelon and Pompton Plains New Jersey 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 trendy and highly unusual hotel must be totally rebuilt every year?
A	Sweden's popular Ice Hotel, which has 60 double rooms, 25 suites and an interior temperature of 20 degrees, starts melting to the ground in May and is rebuilt every winter.
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Robert Lindsay, REALTOR®, real estate agent and broker for Wayne, Kinnelon and Pompton Plains New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Robert Lindsay - Licensed Real Estate Agent
Coldwell Banker Residential Brokerage
1410 Valley Road
Wayne, NJ. 07470
Office: 973-694-8000 x175
Direct: 973-692-3535
Voice Pager: 973-806-3319
Fax: 973-694-4983
Email: info@BobLindsay.net
Robert Lindsay...Energy & Experience serving the Wayne area along with most of Passaic & Morris County. Bob has been recognized as one of North Jersey's Top Producers since he entered the business in 1976. The Number One Agent in Coldwell Banker's Wayne Office each year since he joined the company, he is a Platinum Level Award Winner of the NJAR Circle of Excellence signifying annual sales in excess of $25,000,000. He is a member of Coldwell Banker's International President's Elite, which is comprised of the top one percent of the company's sales force nationwide. Call or email Bob today for a confidential real estate consultation. He and his Team of agents can bring a level of competence, experience, and professionalism to your real estate experience that is unmatched in the Wayne area.

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