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Julie Hoelscher and Mick Hooper

Choose to work with an agent that CARES about you. Call or email me today for professional & personal service. 512-789-7541 julie@julie-cares.com

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Julie Hoelscher and Mick Hooper are two of The Top Selling Real Estate Experts™
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School Reports in Leander, Cedar Park and Round Rock, Texas
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Real Estate Tips
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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Real Estate Trivia
Q 
Where is the world's largest wine cellar, and how big is it?

A 
A company in the center of the wine-growing district of South Africa has a cellar that covers an area of 54 acres and has a capacity of 27 million gallons.
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Julie Hoelscher and Mick Hooper, REALTOR®, real estate agent and broker for Leander, Cedar Park and Round Rock, Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Julie Hoelscher
Crosswind Realty

3219 Saint Genevieve Drive
Leander, TX 78841
512-789-7541
Fax: 512-697-2825
Julie@Julie-Cares.com

I offer a unique ability to connect with my clients, who often become friends. I will take your concerns, expectations and needs to heart. You can trust my professional guidance and expertise on your real estate journey. Please feel free to contact me by phone or by email. I will get back to you quickly. I look forward to working with you soon!

REALTORABREqual HousingMLS


    

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