Don't Bite Off More Than You Can Chew

Your accountant might advise you to take out as large a mortgage as possible because the interest is tax-deductible.  However, even though it's deductible, mortgage interest still has to be paid, and payments on a large mortgage could leave you short of cash that you'll need for other things.  You could even lose your house if you suffer a financial setback or emergency and find yourself unable to make the steeper mortgage payments, just because that interest is deductible.

Some people take out extra mortgage money and plan to save or invest it elsewhere, but the interest paid on a mortgage is usually greater than what you could earn on personal savings, a gap that can eat up most of, or all of the mortgage's deductibility advantage.  And it's not worth risking a bigger mortgage in the hopes of using the borrowed money to earn more elsewhere.

And be careful of falling into the old "pay off the credit cards with the extra money" trap.  Unless you are completely disciplined NOT to use those cards and run up the debt again, you could lose your house when the credit card bills can't be paid because you took out that bigger mortgage.

Only bite off what you can easily chew and don't let an accountant put you at risk of losing your house later!

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The Real Cost of Relocating

There's good reason that relocating ranks alongside divorce as one of life's most stressful events: It's expensive. Even if you're moving for a higher-paying position, your spouse may have to quit a job and look for a new one, which could pummel your household income.

You might be forced to sell into a frighteningly declining real estate market.  With mortgage rates on the rise, monthly payments for your new place are likely to be higher.  Then there are all the expenses of settling in, from buying furniture to putting in an updated kitchen.

It's more important than ever to run all the numbers before you agree to move to a new city.  If you'd be selling in a weak real estate market, your new salary had better be pretty darn sweet - or your new employer needs to be willing to help you out.

Remember that relocating is sort of like buying a plane ticket to Paris:  The price varies depending on when you go.  May through September is peak season, so if you can depart earlier or later, many movers will charge you 5 percent to 10 percent less.  The same is true if you're willing to move in the middle of the month rather than at the beginning or end, when most moves are scheduled.

There is a long list of things you need to consider before relocating to a new city, and we'd be happy to furnish you with a thorough list of things you need to think about before relocating.  Just drop us a line, we'll be glad to assist you.

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Atlanta Real Estate - All is Not Gloom and Doom

With so much negative publicity and coverage on the current housing market, most buyers and sellers would think that the entire real estate sector is falling apart.  This is NOT the case, and a number of great opportunities exist for qualified home buyers right now.

Most home buyers did NOT get sub-prime loans, and most areas are not flooded with foreclosures.  In fact, in many areas, you'd be hard-pressed to even find ONE foreclosure.

Before everyone hits the panic button, let's examine the facts:

• Sellers have become concerned, even scared, by the drastic change in the market.  If you wait to buy, those feelings may subside since people do adjust to change.  Some sellers may eventually take a stronger stand after the dust settles as they realize their local market was not affected.  This is a real possibility in some of the most popular locations across the nation.
• Sellers are now WILLING, even offering, to make serious efforts to please an interested buyer.  Requests for re-painting, offering perks such as personal property (furniture, plasma TV’s, stereo systems, potted plants), even gym and country club memberships, could and should all be considered to make the deal.
• Loans are absolutely still available for those who can afford to purchase, so if that is you, there are still great rates as compared to historical standards.
• National Home Builders buy materials in large quantities and, often times, can and will pass along those savings to consumers if asked.  The addition of a pool, game room, etc. would typically cost a buyer considerably MORE time, money and up-front costs but with the savings afforded by the National Home Builders, this investment is certainly worth taking advantage of.

This is not fluff, but if you're in the market to buy a home, there could be no better time than now to do it!

If you're considering selling your home, get the facts on the market before you put your home up for sale.  All is not what it appears to be in the press.

We'd love to hear your feedback and comments about the state of the real estate market right now.  Chime in by clicking the "comment" link below.

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