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  • Plan 1710
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Do You Know What You Want?
Whether you are a first-time homebuyer or entering the marketplace as a repeat buyer, you need to ask “Exactly what do I want to buy?” Do I need three or four bedrooms? Do I need an office or study? Is a formal dining room a must have? Is a quality education important for my children? Do I want city sewage instead of a septic tank system ? Do I need a fenced back yard? How soon do I need to move in?

Autumn Creek makes the answers to all of these questions easy. One of our 8 different floor plans will offer your exact needs in a home.

Can I find the Money to buy the home?
Homes and financing are closely intertwined. (Financing is the difference between the purchase price and the down payment, commonly referred to as debt or the mortgage.) The good news is that over the years new and innovative loan programs have evolved which require a 5 percent down payment or less. In fact, a number of programs now allow purchasers to buy real estate with nothing down.

In addition to a down payment, purchasers also need cash for closing costs (the final costs associated with closing the loan). Several newly emerging loan programs not only allow the purchase of a home with no money down, but also to finance closing costs.

Not everyone, however, elects to purchase with little or no money down. Less money down means higher monthly mortgage payments, so many homebuyers choose to buy with some cash up front.

Don’t let the closing cost issue scare you, the builders in Autumn Creek are paying up to $4,300 of this cost to help you purchase your home.

• Homeownership is an investment in your future, it provides shelter and security, and fosters involvement in community life, and provides important social and economic benefits.
• Homeowners are more likely to vote, and they volunteer time for political and charitable causes more frequently than renters.
• Homeowners move less frequently than renters, providing more neighborhood stability, in turn, involvement in community quality of life issues helps prevent crime, improve childhood education and support neighborhood upkeep.
• Homeowners stay in their homes an average of 6 years before moving.
• Homeowners benefit from the power of leveraging. Over 10 years, a $10,000 investment in the stock market at a normal 10 percent market rate of return would yield $23,600. The same investment as a down payment on a $2000,000 home at a normal appreciation rate of 5 percent would return nearly 5 times the stock market return at $ 110,300.
• All the interest that you pay on your home mortgage is normally tax deductible. This in turn will reduce the amount of taxes that you have to pay each year.

Remember when renting a home your rent payment is never tax deductible.

Trimback Construction, LLC
334.855.9470