Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert. You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Audubon, Worcester and Collegeville real estate expert, it's my job to guide you, from beginning to end. I will take the time to go through each and every step of the buying process. There are no dumb questions! Together, we will consider: | • | How much can you really afford? | | • | How to qualify for a mortgage. | | • | How much cash you should put down. | | • | How to buy a home with little or nothing down. | | • | What it takes to get approved for financing. What banks and other financial institutions are looking for. | | • | How much your payments will be. | | • | The tax advantages of buying. | | • | Is renting or buying better for you? |
Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly... 
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Financing Your Home >Home Free
Conventional wisdom says, "Don't pay off your mortgage early." Are you foolish to consider an early payoff? Absolutely not! By adding just $50 to $100 to your mortgage payment every month, you can save thousands of dollars in interest, pay off your loan quicker, and eliminate a major monthly expense.
The argument usually given against paying off a mortgage early is that you can make investments with your extra cash, such as mutual funds, stocks or bonds, which pay higher returns. This approach enables you to take the mortgage interest deduction and have easy access to your money, in case you need it. These are all definite pluses, but are not guaranteed savings results.
Any extra income which an investment might generate above your home equity appreciation can be offset by a bad year in the investment market. Investment earnings can virtually eliminate the income tax advantage of your mortgage interest deduction, since stocks and bonds are likely to generate a fair amount of dividends, interest income and capital gains.
It isn't as simple as conventional wisdom--consult a financial expert.
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