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School Reports in Pensacola Beach, Gulf Breeze and Pensacola, Florida

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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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Q	What site discovered in 1965 is considered the world's oldest known habitation?
A	The Terra Amata site in Nice, France has the remains of 21 huts belonging to the Acheulian culture from 400,000 years ago.
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Trey Manderson, REALTOR®, real estate agent and broker for Pensacola Beach, Gulf Breeze and Pensacola, Florida home listings, property and land for sale - NUMBER1EXPERT

The Manderson Group
Coldwell Banker United, Realtors
22 Via Deluna
Pensacola Beach, FL 32561
Office: 850-932-5300
Trey's mobile: 850-393-8739
Toll Free: 800-874-5300
Fax: 850-932-0787
trey@themandersongroup.com
The Manderson Group is a team of personally selected individuals who are committed to providing you with the highest possible level of customer service. Affiliated with Coldwell Banker United Realtors, we offer additional real estate sales and marketing services to ensure your needs are met and exceeded. Our team provides the following services: Personal service throughout your selling and/or purchasing experience. Support in the marketing, buying and closing of your property. Exposure to a wider geographical area Consultation for investment real estate, including commercial and residential.

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