Killeen, Harker Heights, Copperas Cove and Fort Hood Texas real estate listings, home buying, selling and relocation information

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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	Where in the United States will you find the largest concentration of million-dollar homes?
A	There are almost 314,000 million-dollar homes in the United States, and 41% of these are located in California.
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Peggy Fenton, REALTORŽ, real estate agent and broker for Killeen, Harker Heights, Copperas Cove and Fort Hood Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Peggy Fenton
EXIT HOMEVETS REALTY
2000 East Central Texas Expressway Suite B
Killeen
TX 76541
254-953-8387
254-699-6006
Fax: 254-699-6011
Real Estate Licence: 03592390 TX
PeggyFenton@peggysells4u.com
My name is Peggy Fenton and I am a realtor with EXIT HOMEVETS REALTY, Realtors in Killeen, Texas. I am a native born Texan. I have been a military wife myself; therefore, I feel very comfortable when I say that I truly understand the relocation process and all that it involves. I have lived in the area since 1971, with the exception of our military moves. I have a marvelous, handsome 23-year-old son that is soon to graduate from college in horticultural engineering, thank goodness! I have been a member of the Fort Hood Area Board of Realtors for the past 14 years, which serves the surrounding cities of Killeen, Harker Heights, Copperas Cove, Kempner, and Lampasas. I am an Associate Broker, a Certified Residential Specialist (CRS), Graduate Real Estate Institute (GRI), Certified Relocation Certified Specialist (CRRS), and have been a multimillion-dollar producer for the past 14 years. For those of you that like the Belton/Salado/Temple areas, I have just joined their board of realtors and can help you in those areas as well. My job is to do everything in my power to help make your move one that is essentially worry free. I can help make lodging reservations, provide you with educational, employment, and child-care information. I am here to provide you with absolutely outrageous service! My personal hobbies include spending time with my horses, snow skiing, gardening, and cooking. Call me for all your real estate needs, EXIT HOMEVETS REALTY making real estate real easy Ž

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