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For Home Buyers:
Why Buyers Choose Carol Lemon - Why homebuyers looking for a real estate agent in the Prattville, Millbrook and Montgomery area choose Carol Lemon. Latest Listings - Get Carol Lemon's latest Prattville, Millbrook and Montgomery listings of homes for sale first! Find Your Perfect Home - Carol Lemon will search for your ideal home and email you the newest Prattville, Millbrook and Montgomery MLS listings of properties in Autauga, Elmore, Montgomery County AL. First Time Homebuyers - Are you a first time homebuyer in Prattville, Millbrook and Montgomery, AL? Choose a top real estate agent. Carol Lemon can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Prattville, Millbrook and Montgomery house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find Prattville, Millbrook and Montgomery Homes, For Home Buyers, For Home Sellers, Prattville, Millbrook and Montgomery Information, Real Estate Resources, and About Carol Lemon. 
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First Time Buyers >The Real Bottom Line
An important part of buying a house is sitting down with your real estate agent or a mortgage lender to get a clear idea of how much you can afford. They will add up all of your monthly expenses, the mortgage payment, insurance, real estate taxes, homeowners or condo association fees--and the grand total can throw you into shock!
The important thing to remember is that the grand total isn't really the bottom line. When you add your tax savings to the equation, you may be pleasantly surprised. During the early years of your loan, almost all of the mortgage can be deducted from your state and federal income tax. The same is true of your real estate taxes. If you use part of your house as a home office, you may be able to qualify for additional tax savings. In some areas, homes with ground floor apartments are popular for offsetting part of the mortgage and offering even more tax savings.
When you make calculations about the monthly costs that include the tax savings, you may find that owning your own home is less expensive than renting a house or apartment of comparable size.
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| Q |
What place is known as "America's Stonehenge"?
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| A |
A 4,000 year-old stone constructed megalithic site located on Mystery Hill in Salem, Massachusetts. |
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