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""Our house was the only one in the neighborhood driving traffic even through '07 was slower than '06.""
- Frank G. Risalvato, Andover Twp, NJ
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Anthony & Barbara Silvestri -
The Silvestri Group are some of The Top Selling Real Estate Experts™
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Do You Have a Real Estate Related Question? we will Email You an Answer Quickly. As top Lake Mohawk, Andover Township and Sparta real estate experts, it's our job to help! Please take advantage of our experience and knowledge. Ask us anything about: - Any particular home that is or was on the market. - Neighborhoods and local market trends. - Local demographics and the economy. - Tricks and traps when buying real estate in this area. - Special tax considerations regarding real estate. - Specific questions about contracts, escrow, and closings. - Anything real estate! It's our job to know EVERYTHING about real estate! Ask us anything. There are no dumb questions! It's FREE, and we promise to get back to you quickly... 
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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 |
According to Feng Shui, the art of home placement, what five elements are needed in a harmonious environment?
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| A |
Wood, fire, earth, metal and water must be balanced to create a happy, prosperous home. |
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