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Special Offers: Special offers for San Jose, Morgan Hill and Gilroy
homeowners from The Conti Team, top Realtors |
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Affiliates: The Conti Team's real estate web site affiliates |
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eNewsletter: The Conti Team's San Jose, Morgan
Hill and Gilroy newsletter email will send you the latest real estate
information |
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Today's Real Estate News: Daily real estate news for
this neighborhood, California, and United States |
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Market Conditions Report: Market conditions report for
this area, California, and United States |
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly San Jose, Morgan Hill and Gilroy California mortgage payments save you
on your taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in California or buy your own San Jose, Morgan Hill and Gilroy house,
ranch, luxury property, condominium, acreage, or other real
estate? |
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Adjustable Rate Mortgages: Adjustable rate San Jose,
Morgan Hill and Gilroy mortgages information and interest rate java
calculator |
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What Is Your APR?: Determine the Annual Percentage
Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to
compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and
an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator.
A balloon mortgage can be an excellent option for many home
buyers. |
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15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay
significantly less interest, but only if you can afford the higher monthly
payment. Use this calculator to compare these two mortgage
terms. |
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How Much Should Your Income Be?: What income is required
to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you
determine your maximum monthly housing payment and the resulting mortgage
amount. |
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Will Buying Points Save You Money?:This calculator helps you
determine if you should pay for points, or use the money to increase your down
payment. |
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TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at
one time for your property or other California real estate |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask The Conti Team anything about real estate |
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Best Home Service Directory: Ask The Conti Team anything about real estate |
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT
real estate agentss and realty professionals and brokers in the USA and Canada
with links to their personal web sites with homes for sale |
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Real Estate Tips: The Conti Team's realty library of
real estate tips and advice on everything from preparing your home for sale to
negotiating with home buyers to escrow, closing costs, property inspections,
and mortgage brokers |
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Real Estate Trivia: The Conti Team's collection of real estate trivia questions and
answers that include real estate topics such as the most expensive home,
largest swimming pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
San Jose, Morgan Hill and Gilroy property in California, including legal terms
definitions, and more |
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First Time Buyers >The Down Payment
Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.
If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.
When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.
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| Q |
How much does a celebrity's name boost the price of a property?
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Typically no more than 5 percent, but there are exceptions--the greater the fame, the higher the price!
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Home Staging
Staging homes to sell faster and for more profit.
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