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First Time Homebuyers: Wappingers Falls, East Fishkill and LaGrange New York home buying, real estate listings, and homes for sale in Dutchess County, NY

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Wappingers Falls, East Fishkill and LaGrange real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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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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Tom and Sharon Kowalchuk, REALTORŽ, real estate agents and broker for Wappingers Falls, East Fishkill and LaGrange New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Tom and Sharon Kowalchuk
Century21 Alliance Realty Group
1136 Route 9 - Suite U-1
Wappingers Falls, NY. 12590
845-878-4076
845-227-2777, Ext 18
Fax: 845-227-4166
Email: thomaskowalchuk@NUMBER1EXPERT.com
Over 30 years business/professional experience in marketing, contract negotiation, and customer service. Area residents for more than 20 years. We have consistently been one of the Top Producers at Seven Oaks Realty, multi-million dollars sales producers, and received the Top Lister Achievement Award for 2006. Seven Oaks Realty has merged with Century21 Alliance Realty Group. You can be assured that we will maintain the highest level of service and committment. We are members of the Dutchess County Association of Realtors, New York State Association of Realtors, National Association of Realtors and the Southern Dutchess Chamber of Commerce. We achieve a high degree of customer satisfaction through our exceptional ability to work together with other professionals to meet our clients needs. Each office is independently owned and operated.

www.YourHome7.com is brought to you by Tom and Sharon Kowalchuk
NUMBER1EXPERTS™ in real estate for Wappingers Falls, East Fishkill and LaGrange, New York, luxury homes

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