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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 economic factor can make the purchase of a home an excellent long-term investment?
A	Home price appreciation can result in a substantial return on the buyer's investment as a house increases in value over time.
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Lynn Slaney Silguero and Paul Silguero, REALTORSŽ, real estate agents and brokers for Frisco, Plano and North Dallas Texas home listings, property and land for sale - NUMBER1EXPERTS(tm)

Lynn Slaney Silguero , ABR, SRES
Ebby Halliday Realtors Realtors
1415 Legacy Dr Suite 100
Frisco, TX. 75034
Voicemail/FAX: 972.381.6449
Lynn's Cell: 972.588.8449
Spanish Speaking:
Lynn's Email: LynnSlaney@ebby.com
Lifelong resident of the Dallas metro for over 35 years. Growing up in a "real estate family", Customer Service is my Top Priority- Whether you're Buying or selling, we are committed and focused to the delivery in meeting all your real estate needs in a timely positive way- Before, During, and After the Sale! D MAGAZINE BEST REALTOR 2010 * Specializing in Frisco, Plano,McKinney, Allen, Addison, Carrollton, Richardson, Plano, McKinney,Prosper & North Dallas! *Graduate of Richardson Schools & Southwest Texas State University *FRISCO CITY 101 GRADUATE 2010 *Leadership GDAR 2002-2003,* *Women's Council of Realtors. *Accredited Buyers Representative Designation~ABR *Relocation Specialist *Builder & Developer Representation SRES- Senior Real Estate Specialist Designation *REO Bank Representation

Paul Silguero
Frisco Office
1415 Legacy Dr Ste 100
Frisco,TX 75034
972.679.5417 Cell
Email:Paulsilguero@ebby.com
Languages: SPANISH
See My Page www.myDFWhouse.com

As a full time real estate professional, I welcome the opportunity to serve your real estate needs. A dedicated professional with over 30 years in private &corporate business management. I am results-oriented. My goals are to provide clients with excellent service and build long-term relationships with them. I have assisted buyers and sellers throughout Dallas, Denton, and Collin counties. My bilingual skills in English/Spanish are a definite advantage in today's global business world.

DFW Metroplex resident for over 15 years
Member Collin County Association of REALTORS
Member National Association of REALTORS
Member Texas Association of REALTORS
Fully bilingual in English/Spanish

www.mydfwhouse.com is brought to you by Lynn Slaney Silguero and Paul Silguero
NUMBER1EXPERTS™ in real estate for Frisco, Plano and North Dallas, Texas, spanish speaking agent

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