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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 arguably the world's strangest (and most dysfunctional) kitchen?
A	In 1998 the Kemper Museum of Contemporary Art in Kansas City first displayed a kitchen made entirely of 40 million colored glass beads by artist Liza Lou of Topanga, California.
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Denny Grimes & Company, REALTORŽ, real estate agents and broker for Fort Myers, Cape Coral, Bonita Springs and Lehigh Acres Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Denny Grimes
Denny Grimes and Company, Inc.
1870 Clayton Court
Fort Myers, Florida 33907
Phone:: 239-689-7600
Toll Free:: 866-466-3822
Fax: 239-689-7601
Email: denny@DennyGrimes.com
Denny earned his BA and MBA degrees from the University of South Florida and has served as a full-time Realtor in Fort Myers and Cape Coral for over 20 years. During that time he has accumulated an impressive track record. Focusing on professionalism and integrity, Denny has earned some very distinctive honors in the real estate community. He is the past Director of the Florida Association of Realtors and the Fort Myers Assocation of Realtors. He is a Certified Residential Specialist (CRS), Certified New Homes Sales Professional (CSP), Accredited Buyers Representative (ABR) and a respected real estate seminar speaker and trainer. He has spent the last 3 years building Denny Grimes & Company the premier real estate team in Lee County. "Finding the right home, in the right area, at the right price depends on finding the right Realtor. Our customers are customers for life, because we focus on letting them know that we: Take their move seriously!" - Denny Grimes

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