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Want Ultimate Marketing Exposure for your listing? Contact The Romanski Group today at erinromanski@kw.com.

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Real Estate Tips
Financing Your Home >Home Free

Conventional wisdom says, "Don't pay off your mortgage early." Are you foolish to consider an early payoff? Absolutely not! By adding just $50 to $100 to your mortgage payment every month, you can save thousands of dollars in interest, pay off your loan quicker, and eliminate a major monthly expense.

The argument usually given against paying off a mortgage early is that you can make investments with your extra cash, such as mutual funds, stocks or bonds, which pay higher returns. This approach enables you to take the mortgage interest deduction and have easy access to your money, in case you need it. These are all definite pluses, but are not guaranteed savings results.

Any extra income which an investment might generate above your home equity appreciation can be offset by a bad year in the investment market. Investment earnings can virtually eliminate the income tax advantage of your mortgage interest deduction, since stocks and bonds are likely to generate a fair amount of dividends, interest income and capital gains.

It isn't as simple as conventional wisdom--consult a financial expert.

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Real Estate Trivia
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What do 84% of homebuyers who use the Internet to search for homes have in common?

A 
They use a real estate agent to purchase their home.
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Erin Romanski and the Romanski Group, REALTOR®, real estate agents and broker for Lafayette, West Lafayette and Purdue University, Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)

The Romanski Group
Keller Williams Realty

22 Executive Drive
Lafayette, IN 47905
Direct: 765-807-7121
Fax: 765-807-7178
Email: erin@romanskigroup.com

“We not only want to meet your expectations, we want to exceed them.” When we agree to work together, we pledge to you a superior level of service that is prompt, efficient and courteous! We want our clients to enjoy their real estate transactions and refer to us as their Realtors for life! Erin Romanski is a licensed Realtor in the State of Indiana. Erin Romanski in Lafayette

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