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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 house is thought to be the first one designed by Frank Lloyd Wright?
A	Charnley House in Chicago, Illinois, is considered to be the first home designed by Wright while at Adler & Sullivan.
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Joe & Missy Cleary, REALTOR®, real estate agents and broker for Sarasota, Venice, Bradenton, Longboat Key and Siesta Key Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Joe & Missy Cleary
RE/MAX Alliance Group
5140 Ocean Blvd.
Sarasota, FL 34242
Office: 941-954-5454
Fax: 941-954-5455
Missy Cell: 941-809-3410
Joe Cell: 941-650-8485
Email: clearygroup@gmail.com
Hello! We are The Cleary Group of RE/MAX Alliance Group in sunny Sarasota, Florida. Our team of agents includes Brenda Bradshaw, Matthew Donovan and Cheryl Torres. We also serve Siesta Key, Pelican Cove, Bradenton, Venice, Longboat Key, and Lido Key, and have been selling in this area for over 10 years! We specialize in residential and condominium sales on the mainland and The Keys of Sarasota, Florida. Our high tech approach to the business enables us to keep close contact with our clients and to constantly learn new marketing techniques for our listings. We particularly enjoy working with people who are relocating to the area for retirement or those who are just starting new careers in this lovely community. Please call us toll free 1-877-814-1233 or email us today at Clearygroup@gmail.com.

www.theclearygroup.com is brought to you by Joe & Missy Cleary
NUMBER1EXPERTS™ in real estate for Sarasota, Venice, Bradenton, Longboat Key and Siesta Key, Florida

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