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Owning a home helps build your net worth. Unlike rent payments, a portion of the money you pay goes toward building equity (i.e. the difference between the market value of a house and the amount still owed on the mortgage). As you pay off the mortgage, you owe less on the home and "own" a larger share of it.

Mortgage interest payments and property taxes are deductible. By owning a home, you can write off the interest on your mortgage and what you pay in property taxes, on your tax return. In many cases, this will take you above the minimum itemized deductible, allowing you to write off many other items.

Another advantage is that the equity you build over the years can help qualify you for other loans, such as college and car loans. If you would like to get pre- qualified and find out how much of a home you can afford, simply give me a call or send me an email. I am here to help you “Get Mortgage Ready!”

Windy O'Connor
First Rate Mortgage
windy@1ratemtg.com
888-251-7436 ext 111

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