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Relocating? ...
Request My Free Relocation Package. Don't Move To The Sandpoint Idaho Area Without It!  Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate to and from the Sandpoint Idaho area. If you will be moving to the Sandpoint Idaho area, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. I'll send you every home or property that is currently available that matches your criteria. When you visit, I'll be ready! We will visit the Sandpoint area neighborhoods and homes that interest you the most. In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you. Remember: As a Sandpoint Idaho real estate agent, it's my job to know this area inside and out, and I want to make your transition as smooth as possible. To get started, fill out the form to request my FREE Sandpoint Idaho area Relocation Package. I'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong... Are you new to the area? Request my FREE package of Sandpoint Idaho information. It's my job to help! There's no obligation, and I promise to respond quickly...
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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 |
To what process do the terms closing, escrow, settlement and passing papers refer?
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| A |
These terms, which vary in different parts of the country, describe the conclusion of a real estate sale. |
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