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First Time Home Buyers
Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Don't Call a Real Estate Office. Call Your Full Time, Professional Real Estate Agent! 

You might be a bit afraid or intimidated by the whole process of buying your first home. As a full time, professional REALTOR, it's my job to guide you, from beginning to end. I take pride in knowing our area, and the information surrounding it. The Poconos Region is changing rapidly and it is my job to know what economic and social influences are, or will be, affecting areas with-in our region. This way I can best assist you in locating to the best area possible. If you choose to make the move to the beautiful Poconos area, you can count on me and any of my team members to provide superior service to you and your family, no matter how large or small the task. Simply just ask.  

There is also an $8,000 tax credit you can, and SHOULD, take advantage of this year! There are a few requirements you have to meet, but what an incredible opportunity! You don't have to pay it back, and you can take advantage of it immediately! Please ask me about this great tax credit! 

I will take the time to go through each and every step of the buying process. Together, we will consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- How much your payments will be. 

- The tax advantages of buying. 

- Is renting or buying better for you? 

 

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly... 

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Real Estate Tips
Tax Considerations >Tax Breaks

      Most homeowners are keenly aware of the interest tax deduction on their home loan, but there are many other tax breaks which are often overlooked at income tax time. Pro-rated property taxes and mortgage interest in the year of sale are deductible. You will find these amounts listed on your closing settlement statement. If you paid off your mortgage and had to pay a pre-payment penalty, it qualifies as tax deductible interest. If you paid an "acquisition mortgage loan fee" on a home loan, this fee can be deducted as itemized interest. Home improvement loan fees are also deductible. Any remaining loan fees from re-financed or paid-off mortgages are fully deductible at the time of the mortgage payoff.
      Certain items don't qualify as deductions, but can be added to the cost basis of your home, such as transfer taxes, recording and title fees, and special local property tax assessments for new sidewalks, streets, or sewers.
      Don't be intimidated by the tax code! A little research or consultation with an expert can help you maximize your real estate tax advantages.
     

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Real Estate Trivia
Q 
What areas are known as the 'silk stocking' districts of this famous city?

A 
In Central Park West, Fifth Avenue and Park Avenue in Manhattan, apartments go for $222,610 to $282,709 per room.
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Bob Kelly, REALTOR®, real estate agent and broker for East Stroudsburg, Stroudsburg and Mt. Pocono, Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Bob Kelly
Keller Williams Real Estate

637 Main St.
Stroudsburg, PA 18360
PA License #RS287521
Direct: 570-242-4400
Office: 570-421-2890 x4884
Fax: 570-227-0062
Toll Free: 1-866-410-5355
bob@kellyrealtygroup.com

I pride myself on knowing the area and information surrounding it. The Poconos Region is changing rapidly and it is my job to know what economic and social influences are, or will be affecting areas with-in our region. This way I can best assist you in locating to the best area possible. If you choose to make the move to the beautiful Poconos area, you can count on me and any of my team members to provide superior service to you and your family, no matter how large or small the task. Simply just ask. We look forward to working for you.

Equal Housing REALTOR


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