Buyers

Buying a house!

Attaining a house is possibly the utmost purchase you could make, with ongoing financial consequences. It asks for a large amount of informed calls and for viable advisement from a broker When obtaining a piece of real estate, you can figure out from the insight and makings of a Real estate broker or agent from CB Abilene.

Are you looking to own a home in the Abilene, Texas Real Estate area? Why not choose a reliable agent from Coldwell Banker Abliene. We are dedicated, hardworking and honest agents working for you, the buyer.

More often then not, the keyword in the real estate industry is "sell" rather than "represent". Far too many brokers and agents appear to have an undeclared mission statement that reflects "salesmanship" rather than "representation" of Buyer or Seller. First and foremost, ethically and legally, Coldwell Banker Abilene agents will be continuously aware of their fiduciary responsibility to the client. "Fiduciary" simply means handling funds on behalf of another. Integral to that definition is the element of trust which is as much a responsibility, as it is a privilege. Real estate breeds the most litigation of any industry, a fact that could very easily be a thing of the past if more agents would faithfully execute their fiduciary responsibility to their clients. It would reduce litigation significantly.

There is an adage in this industry that says, "20% of all agents make 80% of all sales". Is this a measure of success? Perhaps, but a better measure of success would be one that measures character and responsible representation.

The Best Investment

As a fairly general rule, homes appreciate about four or five percent a year. Some years will be more, some less. The figure will vary from neighborhood to neighborhood, and region to region.

Five percent may not seem like that much at first. Stocks (at times) appreciate much more, and you could easily earn over the same return with a very safe investment in treasury bills or bonds.

But take a second look...

Presumably, if you bought a $200,000 house, you did not pay cash for the home. You got a mortgage, too. Suppose you put as much as twenty percent down — that would be an investment of $40,000.

At an appreciation rate of 5% annually, a $200,000 home would increase in value $10,000 during the first year. That means you earned $10,000 with an investment of $40,000. Your annual "return on investment" would be a whopping twenty-five percent.

Of course, you are making mortgage payments and paying property taxes, along with a couple of other costs. However, since the interest on your mortgage and your property taxes are both tax deductible, the government is essentially subsidizing your home purchase. Learn more here about the differences in mortgages.

Your rate of return when buying a home is higher than most any other investment you could make.  Free Moving Quotes

More and more people are using credit cards nowadays and as a result credit card debt problem is very common among the mass. Debt settlement is often the best option for those who find themselves buried under mountain of debts.

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