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Check Out These Special Offers From Our Affiliates!

Just for you from the affiliates of our web site! Please take advantage of the following special offers...

Chase Custom Homes & Finanace, Inc.
Quality, consistency, and standing by his work continue to be the formula for the success of Chase Custom Homes & Finance, Inc.

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Gray- New Gloucester Animal Hospital
We are a full-service facility providing the finest in personal attention to you and your pet.

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Navajo Painting
Interior and exterior painting and wallpapering. Free estimates available as well as references.

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RPR Professional Home Inspections Inc.
FREE Ultrasonic Oil Tank Test with each Home Inspection!

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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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The Cathy Manchester Team, REALTOR®, real estate agent and broker for Gray, New Gloucester and Little Sebago Lake, Maine home listings, property and land for sale - NUMBER1EXPERT™

The Cathy Manchester Team
Keller Williams Realty
19 Main St.
Gray, ME 04039
Call us 7 days a week: 207.653.7653
Fax: 207.657.4740
cathym@maine.rr.com
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