Nevada City CA Real Estate, Grass Valley Real Estate and Penn Valley Real Estate and homes for sale in California, Luxury & Estates, Waterfront & Horse Properties - Kurt Congdon, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
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All agents are NOT alike! Find out why I am the Expert for Nevada County Real Estate & Nevada City Real Estate. Call me: 800-471-4570.

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Nevada County Real Estate Magazine featuring Nevada City Homes, Grass Valley Listings, Nevada County property, & Penn Valley Land. Also Includes Nevada County real estate listings in Alta Sierra, Lake of the Pines, Lake Wildwood, Cedar Ridge & Cascade Shores. Full color Photo's of Nevada County Real Estate Listings. 

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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.

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Real Estate Trivia
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Where is the world's tallest apartment block?

A 
The 100-story John Hancock Center in Chicago, Illinois is 1,127 feet high; floors 44 through 92 are residential.
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Kurt Congdon, REALTOR®, real estate agent and broker for Nevada City, Grass Valley and Penn Valley, California home listings, property and land for sale - NUMBER1EXPERT™

Kurt Congdon
Coldwell Banker Grass Roots Realty

855 Sutton Way
Grass Valley, CA 95945
Toll Free: 800-471-4570
Office: 530-273-0073
Fax: 530-274-3300
Email: Kurt@KurtCongdon.com

DISCOVER YOUR DREAMS in Nevada City real estate or Grass Valley real estate. Kurt will guide you through the process of understanding the purchasing of rural property such as Penn Valley land, Nevada City Acres & Grass Valley homes. His love and enthusiasm for Nevada City and Grass Valley are genuine. With over 10 years experience, and honors in the top 5% of all agents nationwide...Kurt will provide both exceptional personal service and HI-TECH communications. The Nevada County area offers extraordinary natural beauty, rare communities, arts, entertainment, and the highest quality of living. Let Kurt help you DISCOVER YOUR DREAMS in the Sierra Nevada Gold Country towns of Grass Valley, Nevada City and Penn Valley. DRE License #'s Kurt Congdon - 01076146, Jason Moore - 01391772, Pam Moore- 01876117

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