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Real Estate Resources:

• Special Offers - Special offers for Torrance homeowners from Carol Gilles.

• Affiliates - Carol Gilles' real estate web site affiliates.

• Mortgage Calculator - Quickly calculate how much your monthly and total payments will be with this calculator provided by Homes.com.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Carol Gilles anything real estate.

• NUMBER1EXPERTS - List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Carol Gilles' realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Carol Gilles' collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Torrance property in California, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Torrance Homes, For Home Buyers, For Home Sellers, Torrance Information, Real Estate Resources, and About Carol Gilles.

 

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Real Estate Tips

First Time Buyers >The Real Bottom Line

An important part of buying a house is sitting down with your real estate agent or a mortgage lender to get a clear idea of how much you can afford. They will add up all of your monthly expenses, the mortgage payment, insurance, real estate taxes, homeowners or condo association fees--and the grand total can throw you into shock!

The important thing to remember is that the grand total isn't really the bottom line. When you add your tax savings to the equation, you may be pleasantly surprised. During the early years of your loan, almost all of the mortgage can be deducted from your state and federal income tax. The same is true of your real estate taxes. If you use part of your house as a home office, you may be able to qualify for additional tax savings. In some areas, homes with ground floor apartments are popular for offsetting part of the mortgage and offering even more tax savings.

When you make calculations about the monthly costs that include the tax savings, you may find that owning your own home is less expensive than renting a house or apartment of comparable size.

	See All Tips In The "First Time Buyers" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

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Real Estate Trivia

Q	The upper walls of what famous holy temple are lined with gold?
A	The Golden Temple in Amritsar, India is the most sacred temple and spiritual center of the Sikhs.
See More Real Estate Trivia >

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Carol Gilles The Real Estate Group 3480 Torrance Bl # 100 Torrance, CA. 90503 CA DRE# 00803846 Cell: 310-864-9738 Fax: 310-534-4436 Email: carol@carolgilles.com Carol Gilles has been in real estate in the South Bay area since 1979. She has been awarded Top Producing Agent seven years, and is a multi-million dollar producer. She guides all her clients through all of their real estate need with exceptional experience and professionalism. Carol Gilles is America's NUMBER1EXPERT™ in real estate for the Torrance area. So contact her today! DRE# 00803846 www.beachcitiesonline.com is brought to you by Carol Gilles, real estate for Torrance, California Read Carol Gilles' Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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