Gilbert, Rio Verde and Ahwatukee Foothills real estate and homes for sale in Arizona, new construction, custom homes - Steve Rider and The Elite Team, REALTORS® Steve Rider and The Elite Team REALTORS(r) for Gilbert, Rio Verde and Ahwatukee Foothills, Arizona real estate, new construction, custom homes - NUMBER1EXPERTS™ Steve Rider and The Elite Team NUMBER1EXPERTS(tm) for Gilbert, Rio Verde and Ahwatukee Foothills, Arizona real estate, new construction, custom homes

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Steve Rider and The Elite Team, REALTORŪ, real estate agent and broker for Gilbert, Rio Verde and Ahwatukee Foothills Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

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Real Estate Tips
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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Real Estate Trivia
Q 
What is a VA home loan?

A 
The Office of Veterans Affairs guarantees small or no-down payment mortgage loans made by lenders to U.S. veterans.
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Steve Rider and The Elite Team, REALTORŪ, real estate agent and broker for Gilbert, Rio Verde and Ahwatukee Foothills Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Steve & Beth Rider and The RiderElite Team
Keller Williams Realty Integrity First Realty

1001 W. Southern Ave. Suite 118
Mesa, AZ 85210
Tel: 480-277-5230
Tel: 602-315-8749
Tel: 800-882-5284
Fax: 480-776-3208
Email: info@AzEliteTeam.com

The Rider Elite Team: Exceeding your expectations, one family at a time.... Our Belief System In Action... Win-Win: Or no deal... Integrity: Do the right thing.... Commitment: In all things.... Communication: Seek first to understand.... Creativity: Ideas before results.... Customers: Always come first.... Teamwork: Together Everyone Achieves More.... Trust: Starts with honesty.... Success: Results through people.... Steve Rider RE License # BR007523000

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