NW Arkansas, Bentonville and Bella Vista real estate and homes for sale in Arkansas - Teresa Benningfield, REALTOR®

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Real Estate Tips

First Time Buyers >The Down Payment

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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Real Estate Trivia

Q	Where are the highest median price homes in the United States currently located?
A	According to the NAR, the highest median price in the second quarter of 2005 was $726,900 for homes in California's San Francisco Bay area.
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Teresa Benningfield, REALTOR®, real estate agent and broker for NW Arkansas, Bentonville and Bella Vista, Arkansas home listings, property and land for sale - NUMBER1EXPERT

Teresa Benningfield
Weichert, Realtors - The Griffin Company
2809 Ajax Avenue, Suite 300
Rogers, AR 72758
Cell: (479) 936-6873
Office: (479) 273-1778
Fax: (479) 878-6167
Brooke Hernandez, Realtor: (479) 366-0149
eFax: (800) 765-3695
teresabenningfield@me.com
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