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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 |
What are the world's most valuable chairs?
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| A |
A pair of Chippendale chairs designed by Robert Adam sold in 1997 at Christie's, London to an anonymous buyer for $2,762,330. |
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Deines/Paulson Real Estate Group
Reece and Nichols
1153 N.E. Rice Road
Lee's Summit, MO 64086
Roger Deines: 816-210-6101
Scott Paulson: 816-251-1523
Lori Wold: 816-522-2068
Mike Hastings: 816-251-1433
Jonell Warren: 816-251-1453
Email Roger Deines: rogerdeines@reeceandnichols.com
Email Scott Paulson: scottp@reeceandnichols.com
Email Lori Wold: loriwold@reeceandnichols.com
Email Mike Hastings: mhastings@reeceandnichols.com
Email Jonell Warren: jwarren@reeceandnichols.com
Deines/Paulson Real Estate Group has
Over 34 years experience combined in Resale, Short Sales, Foreclosures, New Construction, HUD, and REO home sales! We are with the #1 Company in the area Reece and Nichols. Specializing in but not limited to Lees Summit, Raymore, Lake Winnebago, Blue Springs, Kansas City Metro and Johnson County.        
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