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Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you.

In the pre-qualification process, you will find out:

- Exactly how much home or land you can afford.

- How much cash you will need for the down payment.

- The minimum down payment, and advantages of higher down payments.

- What the bank feels you can afford for a monthly payment.

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started.

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Vero Beach, Melbourne and Treasure Coast real estate agents to offer services such as these.

Once you fill out the form, we will quickly process your information and get right back to you!

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation...

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Tax Considerations >Tax Reform

Owning a home still offers significant tax benefits. If you are renting, it may be a good time to sit down with a professional real estate agent to see how much you can save each year by owning your own home.

You save in two ways when you purchase a home. Even though most interest deductions have been phased out, home mortgage interest and state and local property taxes can be deducted. The interest on a home equity loan may also be deductible.

Your real estate agent can show you how these savings will apply in your situation. You may be pleasantly surprised when you compare the tax savings you will receive as a result of owning your home, and you will build up equity as your home appreciates in value! Also, first-time buyers will see expanded rules for Individual Retirement Accounts (IRA) and 401(k) plans, allowing penalty-free withdrawals to purchase a home in the Taxpayer Relief Act passed in August, 1997. Consult your tax advisor for your particular circumstance.

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Q	At the doors of what famous temple do you find yourself when you climb the 'Stairway to Heaven'?
A	The Temple of Heaven in Beijing, China, attracts the local faithful and tourists.
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Peter Tobia and Carol Taylor, REALTOR®, real estate agents and broker for Vero Beach, Melbourne and Treasure Coast, Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Peter Tobia and Carol Taylor
Thorpe - Sotheby's International Real Estate
675 Beachland Boulevard
Vero Beach, FL 32963
732-735-5114: 908-331-0669
petertobia@NUMBER1EXPERT.com
We specialize in Oceanfront, Indian Riverfront, Vero Beach Barrier Island, local waterfront communities and finer neighborhoods along Vero Beach and the Treasure Coast. Proudly serving Vero Beach, John's Island, Orchid Island Golf and Beach Club, Indian River Shores, Windsor, Sea Oaks, The Moorings, The Indian River Club, Grand Harbor, Wabasso, Sebastian and the Melbourne Beaches. Carol is a licensed REALTOR, has a Graduate Realtor Institute designation and over 29 years of Real Estate sales experience, as well as dozens of sales awards for outstanding achievements. Peter is a licensed REALTOR and a licensed Professional Engineer, with extensive residential building and development experience and knowledge. Find out why Money Magazine has named the Vero Beach, Indian River County region as "One of the best places to live in the nation" several years in a row. Come join us for "Another Day in Paradise" at Vero Beach! We are the Vero Beach, Melbourne and Treasure Coast NUMBER 1 Real Estate EXPERTS. Call or e-mail us today!

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