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We add our newest homes and other Winnipeg, St. Vital, Whyte Ridge and River Heights Realtor listings to this web site first. It can be some time before they appear in the Winnipeg, St. Vital, Whyte Ridge and River Heights, Manitoba area MLS, and even later on the national listings web sites, if at all.

By signing up to receive our latest listings, we'll send you an email notice instantly -- as soon as our latest homes for sale go online. You'll find out first, before other Winnipeg, St. Vital, Whyte Ridge and River Heights buyers.

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First Time Buyers >The Down Payment

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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Q	What is the oldest U.S. capitol in which a state legislature still meets in its original chambers?
A	New Hampshire's State House
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Mr. and Mrs. Real Estate, REALTOR®, real estate agent and broker for St. Vital, Whyte Ridge and River Heights, Manitoba home listings, property and land for sale - NUMBER1EXPERT(tm)

Mr. and Mrs. Real Estate
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942 St Mary's
Winnipeg, MB R2M 3R5
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