Westminster, Thornton and Broomfield real estate and homes for sale in Colorado - Harriet Jones, REALTOR® Harriet Jones REALTOR(r) for Westminster, Thornton and Broomfield, Colorado real estate - NUMBER1EXPERT™ Harriet Jones NUMBER1EXPERT(tm) for Westminster, Thornton and Broomfield, Colorado real estate
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Harriet Jones, REALTOR®, real estate agent and broker for Westminster, Thornton and Broomfield Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)
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From My Affiliates: Westminster, Thornton and Broomfield Colorado home buying, real estate listings, and homes for sale in Adams                          County, CO
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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 
Fewer than 2 percent of homeowners build this type of home:

A 
Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu.
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Harriet Jones, REALTOR®, real estate agent and broker for Westminster, Thornton and Broomfield Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)

Harriet Jones
Metro Brokers ReAction Realty

12000 ZUNI
WESTMINSTER, CO. 80234
DIRECT: 303-301-7116
CELL: 303-919-5106
OFFICE: 303-252-7700
FAX: 303-252-4664
Toll Free: 1-877-791-1215
Email: HarrietJones@NUMBER1EXPERT.com

Harriet Jones, born in Oakley, Kansas, came to call the North Metro Denver area her home over 30 years ago. She enjoys the many splendors of Colorado and the Rocky Mountains. From hiking, fishing, and snowmobiling, to retreating to her mountain property with family, Harriet loves taking advantage of each refreshing opportunity the Colorado life affords. Her adventuresome spirit has also lead her to some choice tropical destinations, including Mexico, the Caribbean, and Hawaii. As one of the top-producing agents in her company, Harriet’s adventuresome spirit is one of the driving forces behind her successful real estate career. A seasoned businesswoman, her career began in sales, and also includes extensive experience in both the Oil & Gas and Aerospace industries, as well as special investigative work for the government agency, RTC. Harriet’s tireless energy, drive, and determination allow her to bring home successful results for her loyal clientele. Wherever her career has taken her, Harriet’s primary goal has always been client satisfaction. Whether helping people receive top value for their property, or finding their ideal home, she views every client as an opportunity to make a positive difference in the buying or selling experience.



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