Mortgage Financing and Home Loans

                         are the foundational tools of the American Dream

Mortgage Financing and Home Loans

are the foundational tools of the American Dream.


Home ownership is of such concern to the American people that the United State Government has long legislated protections and regulations for the American home buyer.

Agencies such as:

  1. The Federal Housing Administration
  2. The Federal National Mortgage Association
  3. United State Department of Housing and Urban Development

Have pursued their mission of creating strong, sustainable, inclusive communities that consist of homes that are affordable and maintain a standard of quality.

The United States Governments housing policies and programs revolve around the core belief that a strong housing market bolsters the American economy and protects the American Consumer.


With Mortgage Interest Rates at record lows, home ownership is as affordable today as it has ever been.  


Home ownership has also been described as a key pillar in the wealth accumulation of many American households.


Some of the asset building features associated with home ownership include:

Property Appreciation –

a properties rise in value or price over a period of time. The difference between the market value of a home and the balance of any mortgages or home loans securing that home is known as home equity. The greater your homes value as compared to its mortgage balance, the greater your home equity. Home Equity can be used as a source of retirement benefits, college funding, debt consolidation, or anything else a home owner may require.


Tax Benefits –

Another financial benefit of owning a home is tax savings. For most Americans, there are income tax savings associated with home ownership. Usually the largest of these savings is the ability to deduct the annual interest paid on mortgage financing or a home loan from the homeowners income. For example an individual or family with a 30-year, 7%, $400,000 mortgage would pay approximately $4,063 in principal and $27,871 in interest during the first year of that mortgage. If they were in a 28% tax bracket, their tax savings would be $7,804 (.28 x 27,871 = 7,804). Mortgage Insurance may also be tax deductible for many Americans. These saving are not limited to the first year of home ownership.


And the number one benefit of Home Ownership:


Pride of Ownership –

Pride of ownership is arguably the number one reason why people yearn to own their own home. Homeownership means you can paint the walls any color you desire, turn up the volume on your CD player, make permanent changes to your home and decorate your home according to your own taste. Home ownership gives you and your family a sense of stability and security. It’s making an investment in your future.


NOW really is the best time to get started –


 Apply Now –

or contact one of our friendly and knowledgeable “Xperts” to assist you in obtaining your piece of The American Pie



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