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Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.

If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.

When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.

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Kittle Team
Keller Williams
2580 E. Harmony Road Ste 201
Fort Collins, CO 80525
970-690-4920
Fax: 970-377-3701
robkittle@NUMBER1EXPERT.com

Rob Kittle started The Kittle Team in 1999 with the goal in mind to provide his clients with superior service in the Real Estate industry. The Kittle Team is compromised of 15 professionals that allow them to leverage their business and most importantly increase service and efficiency to their clients. The benefit to their clients is that they receive aggressive sales attention from an entire staff of professionals with one goal in mind - a successful transaction!   The Kittle Team sold 250 homes last year, that’s 38 times more than the average agent. The Kittle Team has provided Excellent Service for over 13 years and have helped over 1,750 families buy or sell their home! The Kittle Team has sold over $300 Million in Real Estate. Their client base is primarily made up of repeat and referral business. They pride themselves on providing the “Gold” service to their clients and their clients’ referrals.   Rob Kittle and The Kittle Team was named 142 of America’s top real estate professional teams by The Wall Street Journal and REAL Trends. The team is now a member of the “The Thousand Top Real Estate Professionals,” a prestigious national awards ranking sponsored annually by the two respected publications. The Kittle Team is now ranked in the top one half of 1 percent of the more than 1 million REALTORS® nationwide.   From short sales and foreclosures to million dollar sales, Rob Kittle and The Kittle Team are the experts. With their slogan “We Specialize...You Benefit”, their clients are guaranteed a smooth transaction in a challenging market.

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