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welcome > Find Homes > Search All Homes > National Listings Databases...

	HarmonHomes.com "The nation's leading real estate magazine publisher with publications in over 85% all metro markets across the country. HarmonHomes.com offers 300,000 real estate listings, with almost 90% displaying color photos."
	Homes.com Millions of home buyers and sellers are flocking to Homes.com, one of the nation's top real estate websites. Search homes for sale, hot real estate markets, neighborhoods, home builders, and more.
	Immobel.com "The #1 site on the Internet for multilanguage real estate listings. Check out the best properties in the language of your choice."
	Sell.com "Sell.com classifieds is the alternative to online auctions, and includes real estate classifieds."

Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request my free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced.

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to me through my professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more.

Remember: As top Milford, Dingmans Ferry and Matamoras area real estate agent, it's my job to know more about a property than any web site. Make sure you have the most current information!

First Time Buyers >The Down Payment

Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.

If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.

When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.

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Q	What price range is considered upscale or high-end in residential real estate?
A	The price range varies depending on the local market, but upscale homes are in the top 10% of an MLS area's annual home sales.
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Arlene Quirk, REALTOR®, real estate Agent and Broker for Milford, Dingmans Ferry and Matamoras Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Arlene Quirk
Keller Williams Real Estate
637 Main Street
Stroudsburg, PA 18360
Office: 570-421-2890
Fax: 570-409-3240
Cell Phone: 570-903-0910
Email: aquirk@ptd.net
My Vision is to build life-long relationships one person at a time. Your realtor for life!

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