Lake Travis, Lakeway and Lago Vista Texas real estate listings, home buying, selling and relocation information

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Resources: Lake Travis, Lakeway and Lago Vista Texas home buying, real estate listings, and homes for sale in County, TX

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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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Q	What unique contribution did the town of Flushing, New York make to the American home?
A	The flush toilet was invented in Flushing.
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Mick Hooper, REALTORŽ, real estate agent and broker for Lake Travis, Lakeway and Lago Vista Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Mick Hooper. e-PRO, ABR, CLHMS
Broker/Owner, Crosswind Realty
925 Tallow Trl
Cedar Park, TX 78613
Mobile: 512-845-5896
Office: 512-845-5194
Fax: 512-697-2825
Email: mick@crosswindrealty.com
When Mick Hooper asks you to meet him at "The Office", you're in for a treat. His 43-foot yacht he named "The Office" offers a hint at how Mick approaches his work of helping his clients make the most of their Lake Travis real estate opportunities. As Mick puts it, "I like to put the fun back into what most people consider a very serious business." And he delivers - with his unique ability to not only offer a local perspective, but valuable information that clients can only get from someone who knows and understands the dynamic lifestyle Lake Travis can offer.

Mick Hooper is a Licensed Real Estate Broker in the State of Texas. Mick is your source for Lake Travis real estate - waterfront homes, Lake Travis lots and lakefront condos!

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