Providence and Cranston Rhode Island real estate listings, home buying, selling and relocation information

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For Buyers: Providence and Cranston Rhode Island home buying, real estate listings, and homes for sale in Kent and Providence County, RI

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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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Q	What is considered the primary factor distinguishing buyers of prestigious properties from the average home buyer?
A	Financing doesn't worry these buyers; they often put down 40 percent or more or pay cash for a property
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Julie Longtin, REALTORŽ, real estate agent and broker for Providence and Cranston Rhode Island home listings, property and land for sale - NUMBER1EXPERT(tm)

Julie Longtin
RE/Max Professionals in East Greenwich RI
655 Main Street
East Greenwich, Rhode Island 02888
Phone: 401-884-6050 x 331
Fax: 401-884-0665
Cell: 401-578-6051
Email: julielongtin@aol.com
Julie Longtin Sinapi has been a licensed real estate salesperson since 1991. Julie was also a licensed real estate appraiser from 1994-1999. Through these years of experience Julie had a large production, annually in the multi-million dollar range pertaining to the conveyance of real estate. Through her knowledge as a real estate appraiser, she procured a better understanding of market value, physical components contained within homes, changing markets, and translating the market indicators, to be able to benefit her clients.

Julie has received numerous awards, most proud of being the youngest woman in Rhode Island inducted into the RE/Max Hall of Fame in 2004, number 7 in Rhode Island for RE/Max for individual sales production, recognized by national publisher "MacDonald Advertising Services" for excellence and ingenuity in Real Estate Classified advertisement, and published in "Money Magazine" June 2006 in article "After the Boom". Formerly, Team Leader (CEO) of Keller Williams of Central RI.

Whether you are a first time homebuyer or liquidating a real estate portfolio, or acquiring one, I can assist and consult with you regarding any real estate transaction.

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NUMBER1EXPERT™ in real estate for Providence and Cranston, Rhode Island

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