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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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Doug & Sherry Lawrence
Prudential Realty Center.com
1315 Taft Highway
Signal Mountain, TN 37377
Finds Me: 423-886-6729
Fax: 423-598-7398
Doug's Cell: 423-802-2014
Sherry's Cell: 423-838-5011
Office: 423-886-2601 ext. 216
Chattanooga Home Finders: DougandSherry@NUMBER1EXPERT.com
Sherry's Direct: sherrylawrence@epbfi.com
Doug's Direct: douglawrence@epbfi.com
Sherry's Office Email : slawrence@realtycenter.com
Doug's Office Emal: dlawrence@realtycenter.com

Doug and Sherry Lawrence know the Chattanooga Metropolitan Real Estate market! Top agents in 2007, Doug and Sherry have a keen sense of the current status and coming trends in the Chattanooga Real Estate market place. �We have to stay on top of the market so our Sellers can list and sell their homes quickly�, says Doug Lawrence, �and, our Buyers can receive the best price/value considering current and future trends for the general market and specific areas they are interested in.� �The Chattanooga MLS only tells part of the story.� Sherry Lawrence adds, �You have to be in the market daily. Studying what is selling, why it sold, what is coming on the market, what is the price value relative to other recent sales in the market�it�s never been about just showing homes in hopes you�ll find the right house, it�s about making certain that our clients have made the best real estate choice in the Chattanooga area for their family�s short and long term goals.�

Licensed in Tennessee and Georgia, and serving Hamilton County, Chattanooga, Signal Mountain, Ooltewah, Lookout Mountain, Red Bank, East Ridge, Brainerd and East Brainerd, Soddy Daisy, Hixson, Tiftonia, Marion County, Bradley County, and North Georgia, The Lawrence’s have assembled a highly professional and experienced 9 member team to help with a dynamic and growing Residential, Land, and Commercial Real Estate business. Our Team Concept creates a tremendous synergy for our clients and serves to make sure a Lawrence Team member is always available to help you when you need them! Our goal is always the same - to be sure all your needs are met and your expectations exceeded! For Buyers - To find the right home, in the right location, and at the right price! For Sellers - To professionally market your home, to the right audience, for the right price, with fast and effective results. And, for those Business Professionals who are charged with making certain that their employees Real Estate needs are professionally managed, we, along with our Real Estate Team, and our Mortgage and Insurance Professionals, promise to make sure every step of the home buying or home selling service exceeds your expectations! Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 03/05/2009. The listing information on this page last changed on 03/05/2009. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of CARMLS (last updated Thu 03/05/2009 12:00:00 AM EST) or RCAR MLS (last updated Thu 03/05/2009 12:00:00 AM EST) or FMLS (last updated Thu 03/05/2009 12:00:00 AM EST) or Dalton MLS (last updated Thu 03/05/2009 12:00:00 AM EST). Real estate listings held by brokerage firms other than Prudential RealtyCenter.com may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --

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