Fulfilling The American Dream" (TM)Dr. Edward Kramer once said, "Eliminate the time between the idea and the act and your dreams will become realities." Napolean Hill, Motivational Writer, said-"Create a definite plan for carrying out your desire and begin at once, whether you are ready or not, to put this plan into action."For potential homeowners buying a home can be a very scary proposition. Oftentimes home buyers are fearful of the unknown. Can I afford to buy a home? Will my credit work for me or against me? Is it the right time in the market to purchase? Should I just continue to rent?As your Real Estate Professional it is my responsibility to ensure that you are "educated and empowered with the information you need to make an informed buying decision." Gone are the days when clients were simply told, "sign here, sign here and here." Consumers are more savvy these days and have grown to expect excellence at every level of the real estate transaction.My clients view me as a partner in their transaction. In other words, I operate as an advisor and guide. I help clients effectively navigate through unknown territory by gently placing them on the road of home ownership. Clients understand that they are in FULL control of the process. Because my focus is education, clients feel confident enough in themselves to make the right decision with just the right amount of assistance from me.Feel free to contact me if you or someone you know has any questions about the sale, purchase or refinance of real estate. I would be honored to assist you.Thank you for the opportunity to connect, collaborate and communicate.Denise R. McCoy-TilsonRealtor/Employer Housing Benefit SpecialistDirect: (916) 534-5239Office: (916) 852-5100www.ReaRealtors.com
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Homeownership–It’s NOT Just About MoneyThe “numbers tell the story” examples should ease your mind about the financial aspects of becoming a homeowner. But there are other, less monetary, benefits to homeownership that may partially explain the fact that buyers buy when they are ready.Several research studies indicate that homeownership adds to the value of communities, has positive effects on children, and even contributes to increased voter participation rates.Homeownership: The American Dream More than two thirds of American households own their own home. They know the benefits of homeownership, from the accumulation of home equity, tax incentives, and the pride of owning a place of their own. They also had to take that first step of deciding “I’m ready to be a homeowner.” REALTORS® assisted many of today’s 75 million homeowners in both their decision to buy and their first home purchase. REALTORS® are real estate professionals who are members of the NATIONAL ASSOCIATION OF REALTORS® and who abide by the Association’s strict Code of Ethics and Standards of Practice.They can help guide you to first-time homebuyer programs in your area, as well as assist you in searching for and buying your home.Why Not Wait?You may wonder whether it is worthwhile to wait to purchase your home until prices are at their lowest. Prices are not the only factor that should drive your decision. Currently, interest rates are at generational lows that greatly improve the affordability of homes. Further on the annual cost table, you can see that even if home prices decline, the possible tax savings of owning a home lead to a lower cost for the buyer, not the renter. Also,there are special, additional tax benefits for first time home buyers that may be available for a limited time only.Finally, and most importantly, when you have made the decision to commit to homeownership because you are financially ready, market conditions are a secondary concern. In fact, the NATIONAL ASSOCIATION OF REALTORS® 2008 Profile of Home Buyersand Sellers found that more than four in ten buyers purchased a home because the buyer was ready to make the commitment to homeownership.care of NAR
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