At Palm State Mortgage we field calls every day from solid citizens who are taking their first baby steps into home ownership.At Palm State Mortgage, we make dreams come true.

Their mortgages have been processed and they have closed on their first house.  In spite of their fears in our shakily recovering economy, they have moved into the first house they can actually say they own.

This is a generation that saw some of their friends lose homes, the generation who thought they would always be renters.

This week we dedicate a blog to them, the beautiful souls who have committed to community and home ownership.  We congratulate them for their bravery and their insight.

What do they know that you renters do not realize about home ownership?  Here are some tips to mull over as you consider if 2016 will bring you home ownership.

1.  Home Ownership: Incredible Interest Rates, Still!

We would be remiss not to mention this!  Interest rates are at the lowest on record.  “And if inflation sets in, as it’s bound to do sometime soon, you’ll be very happy to have a low-interest loan.  A rise in interest rates from 4.3% to 6.3% would raise your monthly repayment by a fifth.”  Likewise, due to the same factors, landlords are raising their rent every year.  We’re not saying it’s cheaper to buy, but for the difference in cost, you will find many benefits to buying.

2.  Is Home Ownership For You–Still a Buyers’ Market?

With Palm State Mortgage in your corner, you are bound to get a deal, a good deal, that fits your financial situation.  We work hard to find you the finest lenders available, and transform the dream of home ownership into a reality.

3.  Home Ownership–Terrific Tax Benefits:

Some of our clients have discovered after only a few months that owning their home does cost less than renting because they get to deduct interest paid on real estate. From Palm State Mortgage Hold Pride in Home Ownership

Plus, they deduct their real estate taxes when they itemize their deductions.  It is your decision.  Do you want to take these deductions or do you want to rent from a landlord who takes them

Treasured over and above these fabulous three points looms the happy pride that only comes with home ownership! You can do what you want with your environment.  Design your own paint; remodel your rooms–get a permit and add an addition as your family grows.

The home is really yours and such home ownership instills a kind of pride that can only be yours when you are your own landlord.  Go ahead, move that wall!  In a world of crazy stress, your home is your haven, and your first holiday there will wrap up a sweet feeling of pride with ribbons of security and family closeness.  

At Palm State Mortgage, our clients wouldn’t give up that feeling for any amount of money.  They often return and admit it was worth a hundred times all the trouble of the meticulous mortgage paperwork.

So we conclude with special congratulations to our home owners and a double portion of joy for our very special first-time home owners.  At no time is this pride in home ownership more evident than during the holidays.

For your children, there is nothing like going “Home for the Holidays,”  and that leads us into a Holiday Message for you!

Season's Greetings and Thanks to our CLients

 

From Our Palm State Mortgage Company Family to Yours

Whatever is Beautiful,

Whatever is Meaningful,

Whatever brings you Happiness,

May it be yours during this Holiday Season

And Throughout the coming Year!

May the joy and love you feel this holiday season

Extend every day throughout 2016!

Best Wishes for the Holidays!

To Friends, Colleagues and Clients:

It is because of your goodwill that we have built our foundation of success,

and it is our great joy at this time of year,

to thank you for the pleasure of working with you in 2015!