Nevada City, Grass Valley and Penn Valley real estate and homes for sale in California - Kathy Papola, REALTOR® REALTOR® Logo - NUMBER1EXPERT NUMBER1EXPERT™ Logo
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School Reports in Nevada City, Grass Valley and Penn Valley, California
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Real Estate Tips
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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Real Estate Trivia
Q 
What is the only land in the world that has not been walked on by human feet?

A 
A small 200 square-mile section of Antarctica is the only terrain on Earth that not one person has stepped foot on.
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Kathy Papola, REALTOR®, real estate agent and broker for Nevada City, Grass Valley and Penn Valley, California home listings, property and land for sale - NUMBER1EXPERT

Kathy Papola
Network Real Estate

167 S. Auburn St.
Grass Valley, CA 95945
530-271-3815
Fax: 530-271-3826
kathypapola@NUMBER1EXPERT.com


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