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Honolulu, Kailua and Hawaii Kai 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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J T Smith Team
Certified Residential Specialist
469 Ena Rd. suite 2011
Honolulu, HI 96816
808-352-9200
Fax: 808-748-0101
jtsmith@NUMBER1EXPERT.com
J T is a full-time Realtor dedicated to providing real estate expertise with professionalism and integrity. His personal mission is to Facilitate, Identify,and Deliver Clients a Real Estate Service Beyond Compare! So give J T and his team of experts a call! You'll be glad you did!
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