Our mission as your agent:
As your agents, we are committed to fulfill your needs. Our goal is to find you the property that
suits your needs in terms of your price range, size and location, for the best value in the
market. We dedicate our time to research the areas you are interested in, considering all the
factors that matter to you, so we can offer you the best properties available. You can rest
assured that we will find you a place where you belong.
|What you should know:
Being Florida residents for the past twenty one years gives us the knowledge necessary to
help you in the hunt for a place to live. Consider that buying a home is one of the most
important and yet difficult decision a person makes in a lifetime, so you want to be with the
specialist team in real estate that will assist you in this important moment of your life.
|How we will work together:
The plan that we have to, together, successfully accomplish your goal of finding the perfect home will
consist in the following steps:
- First, you will tell us, in detail, about you and your family group. Specify your needs, as schools,
hospitals, sports, job location, local interests, etc.
- You will describe to us the features that you would like to have in your home.
- Inform us if you would like a new construction or resale home. In our company we have unlimited
access to all the new developments, for single-family homes, apartments, townhouses, lofts, as well as
properties for resale.
Once we determine your needs, we’ll have the tools to begin to look for your exact home.
|Deciding to buy or rent
Buying a home is a rewarding experience. You derive a great deal of personal satisfaction from owning
a home. Homeownership allows you to build up your personal net worth over time. Moreover, continued
increases in housing prices nationwide makes homeownership a relatively attractive investment.
In some cases, renting may be a more attractive option. For example, if you plan to move in a year or
two, you are unlikely to recover the closing costs you pay when you buy a home. In addition, finding a
home to buy generally takes more time than looking for an apartment to rent.
In addition to building up equity over time, owning a home offers significant tax breaks. The interest
expense that you pay on up to $1 million in home mortgage debt ($500,000 if you are married and filing a
separate return) is tax-deductible.
Your tax savings from the mortgage interest tax deduction are greatest in the early years of a mortgage
loan. For example, on a 7%, 30-year fixed rate mortgage loan of $100,000, you pay $6,968 in interest
the first year of the loan. If you are in the 25% income tax bracket, your tax savings are $1,742. In Year
16 of the loan, you pay $5,090 in interest, which saves you $1,273 in taxes. In Year 24 of the loan, you
pay $2,926 in interest, which saves you $732 in taxes.
When you sell your home, you can exclude up to $500,000 in capital gains if you are married and filing a
joint return. (The exclusion limit is $250,000 for other tax filers.) You will need to pass the IRS's
ownership and use tests to show that the home has been your primary residence for at least two of the
past five years. In addition to mortgage interest, you can also deduct your local property taxes on your
income tax return.
As a homeowner, you can tap the equity in your home in the future with a home equity loan or line of
credit. Interest expense that you pay on up to $100,000 in home equity debt is tax-deductible ($50,000 if
you are married and filing a separate return).
Yet, renting does have some advantages. For one, renting doesn't require you to make a down
payment, which can easily reach $25,000 or $50,000. A total monthly payment for rent is generally
cheaper, too, when you include all the other costs of owing a home. In addition to paying off a loan with
interest, homeowners routinely pay homeowner's insurance and property taxes. They may also be
required to buy private mortgage insurance (PMI). Finally, homeowners face maintenance and
home-improvement costs that renters avoid.
In general, renting has a lower financial burden, requiring smaller monthly outlays. With the extra cash
that you save each month, you may be able to invest and earn a rate of return that compensates for
missed opportunities of homeownership.
Renting may be a wiser course of action if you plan to relocate to another city soon or are in uncertain
financial circumstances. For persons fresh out of school or newly divorced, renting may be the only
The above information is educational and should not be interpreted as financial advice. For advice that is
specific to your circumstances, you should consult a mortgage lender or financial adviser.
Next, we'll look at how to determine how much you can afford if you choose to buy a home.
|Browse population growth and decline, changes in racial and ethnics
concentrations and patterns of housing development.
|We wanted to thank you for all
your help in finding us a home
that we were very happy in for
18 months, which we hoped
would have been
Carlos, we hope you will enjoy
the enclosed gift which
I recall your drinking preference
correctly, will be to your taste.
David & Mandy Post.