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What are the advantages of buying real estate?

Financial Independence:
When you pay rent, you might as well be flushing that money down the toilet. You will never get it back. Rent is how the landlord earns their income. If you want to make that money, it’s advantageous to buy instead of giving it to the landlord. The investment you put into the real estate you buy will earn equity. Every dollar you pay in principal, aka loan amount towards your home, is another dollar paid into your home’s equity and ownership. If you sell your home, you get all the money back, plus it appreciates, and your cost of living goes down as the mortgage is amortized over time. Renting your home will cost more each year as the inflation rates rise, and your monthly payment increases.

Lower Income Tax:
The interest you pay on your home loan is tax-deductible; the government treats interest payments as if you never earned that money for income tax purposes.
The annual property taxes are also tax-deductible, as are the purchase origination points, aka fees paid when buying a home.
These reasons are the primary consideration for real estate ownership.
The mortgage payments may be higher than rent payments, but the annual saving is more significant than renting, plus you get to own something to make your own.

Freedom:
When you buy and own your home, you make your own rules, unlike all the rules you need to follow in your lease agreement.
If you want to remodel something or change the color of your paint, go right ahead. Your home, your rules nobody to evict you if you break the rules set by your landlord just as long as you are paying your obligations to own that property, of course!

Privacy:
If you buy a home, the legal definition of ownership is the right of one or more persons to possess and use the property to the exclusion of all others. The real estate bundle of rights (rights of use, possession, encumbering, and disposition) protects you from unwanted visitors. Nobody has the right to enter your home, cross your lawn, or even look inside without your permission. The word “right” refers to a claim or title to an interest in property that is enforceable by law. “possess” and “use” refer to the control of land.
American law places so much emphasis on homeowners’ property rights that you could even shoot and kill anyone who does intrude on your property if you think the intruder might hurt you.

How do we help you buy real estate?

We use a set of documents as tools to split responsibilities and fiduciary duties, which legally allow advising the buyer, negotiating the lowest price, and otherwise assisting the buyer in closing the transaction. Our professional navigation through legal aspects of attaining real estate will leave you feeling confident and safe with the decision-making required to own real estate while learning the rights you will acquire and the responsibilities you need to maintain during the process.

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