Tucson, Oro Valley and Marana real estate and homes for sale in Arizona, golf properties, new construction - Lucy Barraza & Associates, REALTORS® Lucy Barraza & Associates REALTORS(r) for Tucson, Oro Valley and Marana, Arizona real estate, golf properties, new construction - NUMBER1EXPERTS™ Lucy Barraza & Associates NUMBER1EXPERTS(tm) for Tucson, Oro Valley and Marana, Arizona real estate, golf properties, new construction

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Lucy Barraza & Associates, REALTOR®, real estate agents and broker for Tucson, Oro Valley and Marana Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why we are top real estate experts. Call us: 520-909-7653.


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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 
What are the world's most valuable chairs?

A 
A pair of Chippendale chairs designed by Robert Adam sold in 1997 at Christie's, London to an anonymous buyer for $2,762,330.
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Lucy Barraza & Associates, REALTOR®, real estate agents and broker for Tucson, Oro Valley and Marana Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Lucy Barraza & Associates
Realty Executives Southern Arizona

6760 N. Oracle Rd. #101
Tucson, AZ. 85704
Phone: 520-909-7653
Toll Free: 1-800-777-6630
Fax: 520-744-8768
Email: lucy@buyandselltucsonhomes.com

Building life long business relationships with our clients has allowed us to have a strong referral based business. We invite you to find out how being Tucson natives can make a difference in your real estate transaction. Specializing in North West Tucson, Oro Valley and Marana, it's where we call home!

ABRGRICRSeProMLSEqual HousingREALTORRELO


Realty Executives Southern Arizona

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