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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from The Folsom Team, a proven Dallas/Ft. Worth and Northeast Tarrant County, Texas NUMBER1EXPERT™ Top Selling real estate agent.
Find Dallas/Ft. Worth and Northeast Tarrant County Homes - Find Dallas/Ft. Worth and Northeast Tarrant County, Texas real estate listings & homes for sale provided by The Folsom Team, your local expert real estate agent.
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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 criteria determines the hottest real estate markets?
A	Job/personal income growth; population/household growth; housing affordability/appreciation; and current inventory of homes for sale.
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The Folsom Team, REALTOR®, real estate agent and broker for Dallas/Ft. Worth and Northeast Tarrant County, Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

The Folsom Team
Keller Williams Realty
850 E. Hwy 114, Suite 100
Southlake, TX 76092
Direct: 817-442-5443
Toll Free: 877-442-5443
davefolsom@NUMBER1EXPERT.com
Dave Folsom and The Folsom Team have been assisting home buyers and home sellers in this area since 1985. Clients often say it was their most successful and pleasant experience. The Folsom Team offers a complete staff of professionals dedicated to personal service and the latest in technology to save you time and money.

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