1. Unparalleled Options & Comfort.

Today's new home features modern appliances and amenities designed to add value to your home plus make life a little easier.

2. Energy Efficiency.

Homes today are 60 percent more energy efficient than homes built in the 1970's. Extra insulation, efficient heating and cooling systems, double-paned windows, and insulated doors are just a few of the efficient features that can save you hundreds of dollars each year.

3. Warranty Protection.

Most new homes come with warranties on workmanship and materials used so you can rest a little easier when making your purchase.

4. Quality of Life.

People spend more than half of their time at home. Naturally it makes sense to seek a comfortable, well-designed residence.

5. Personal Wealth.

Buying a new home makes good financial sense. With most mortgages, you gradually increase the proportion of the house you own, while decreasing the amount owed to a lender. As equity builds, personal wealth increases.

6. Leveraging.

A house can allow you to further increase your wealth through "leveraging". Take a $200,000 home with a $10,000 down payment and a $190,000 loan. If after a few years, the home's value increases to $225,000, you would have equity of more than $35,000 (your $10,000 down payment, $25,000 in appreciation plus the amount already paid on the loan). Therefore, you would have more than tripled the original amount invested in the house.

7. Annual Tax Deductions.

With tax law changes, a home is one of the best tax shelters available as you can deduct mortgage interest and property tax from federal and state income tax returns.

8. Tax Treatment of Appreciation.

Taxes must be paid annually on interest earned from savings deposits. With a house, you don't have to pay taxes on the appreciation unless you sell the home and the appreciation exceeds the limits listed in reason number 9 (next).

9. Nest Egg for Later Years.

Tax laws permit an exemption of $250,000 (for single tax payers) or $500,000 (for married taxpayers filing a joint return) on the sale of a principal residence occupied for two of the preceeding five years.

10. Delay Can Cost You.

You should never rush into a home purchase without exploring all options. However, once you find a home and financing package that fits your needs, you shouldn't postpone the purchase in hopes of a better deal. When gambling that interest rates and/or house prices will fall, the stakes are high and the odds are against you.

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