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There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
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Elaine Pruzon is one of The Top
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Let Me Personally Search for a Home that Matches Your Criteria, for Free and Without Obligation. As a top Short Hills, Millburn, Livingston and Summit real estate agent, I make it my business to be aware of every local home or property on the market. I even know of properties that will be available, but have yet to formally be placed on the market. I have direct access to the Short Hills, Millburn, Livingston and Summit area MLS (Multiple Listings Service), and also to every other agents in the area and all of their listings. If you give me some idea of what you are looking for, I will personally review all my sources of real estate listing information and send you everything within your price range that matches your criteria. I can save you a great deal of time! This is a totally free service, and there is no obligation. It's part of my job to offer services like this to homebuyers.  Tell me what you are looking for! It's my job to know every property in Short Hills, Millburn, Livingston and Summit, even ones not listed online. My personal search for you is FREE and without obligation. Please give me as many details as possible...
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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What city boasts eight of the world's ten biggest hotels?
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| A |
Las Vegas has eight of the largest resort hotels; the latest and most extravagant is the $2.7 billion, 2,716-room Wynn Las Vegas. |
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