Cummings & Co Realtors
MICHAEL KUPFER "The Borrowers Advocate"

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There are so many advantages to home ownership.  Homeownership builds wealth over time.  Homeownership can be a very savvy financial move.  You build equity every month, you get tax benefits, and according to Forbes Magazine, “Long Term, Buying Is Cheaper than Renting.  In the first few years, it may be cheaper to rent. But over time, as the interest portion of your mortgage payment decreases, the interest that you pay will eventually be lower than the rent you would have been paying. But more importantly, you are not throwing away all that money on rent.”  We all need to live someplace, so instead of paying off your landlord’s home, why not pay off your own?

There are so many programs out there that can get you in a home that doesn’t require a 20% down payment. Talk to a Mortgage Broker, or your current bank. We have several we can recommend that have always gotten the job done.  I've had clients that were able to get into a home with 0.00% down! Grant programs giving you real $$$$ to buy. Those options are not for everyone, but the point is, it’s very doable.  The thought of your entire financial footprint being on the line is daunting, but is the first step in buying a home.  Take the leap!  You’ll be happy that you did.

The latest Rent Vs. Buy Report from Trulia pointed out the top 5 financial benefits of homeownership:
---Mortgage payments can be fixed while rents go up.
---Equity in your home can be a financial resource later.
---You can build wealth without paying capital gain.
---A mortgage can act as a forced savings account
---Overall, homeowners can enjoy greater wealth growth than renters.

Bottom line is that it’s better to invest in yourself than anyone else.
If you are even slightly thinking about getting in the market, let me know.  I will guide you with some Professional Real Estate Planning, whether you want to buy now or later get the answers that will help YOU make tthe best educated decision for you. Call me!  Together we will help you realize your real estate dreams:-)



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