Make an Offer That Sellers Can't Refuse

Make an Offer That Sellers Can't Refuse

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Getting a Tax Refund? Consider Using It for Your Down Payment

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                        While most people dread tax time, if you are getting a refund, this time of year can seem almost as rewarding as end-of-the-year bonus season. Whether you are receiving a refund of a few hundred dollars or several thousand dollars, if you’re contemplating buying your first home, you may want to deposit your refund into an account dedicated to your down payment fund. “Using your tax refund as a portion of your down payment can be a great idea,” said Clint Madison, a senior mortgage adviser with Envoy Mortgage in Walnut Creek, CA. “The more you put into the down payment, the less you have to borrow.” How Much Will You Get, and How Much Do You Need? According to the IRS, the  average refund for 2013 tax returns  was $3,013 as of March 24, slightly higher than the average for 2012 tax returns. A tax refund of $3,000 can go a long way to a down payment on a home, particularly if you’re us...
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American Dream: Is Owning Your Home Still Realistic?

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