Request My Free Relocation Package. Don't Move To Boston, Brookline, Cambridge, Newton and Wellesley Without It!  Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate to and from the Boston, Brookline, Cambridge, Newton and Wellesley, Massachusetts area. If you will be moving to the Boston, Brookline, Cambridge, Newton and Wellesley area, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. I'll send you every home or property that is currently available that matches your criteria. When you visit, I'll be ready! We will visit the Boston, Brookline, Cambridge, Newton and Wellesley neighborhoods and homes that interest you the most. In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you. Remember: As a top Boston, Brookline, Cambridge, Newton and Wellesley real estate agent, it's my job to know this area inside and out, and I want to make your transition as smooth as possible. To get started, fill out the form to request my FREE Boston, Brookline, Cambridge, Newton and Wellesley, Massachusetts Relocation Package. I'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong... Are you new to the area? Request my FREE package of Boston, Brookline, Cambridge, Newton and Wellesley relocation information. It's my job to help! There's no obligation, and I promise to respond quickly...
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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 is an encumbrance against a property, which may be voluntary or involuntary?
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| A |
There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien. |
 See More Real Estate Trivia > |
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Ward Shifman
10 Langley Road
Newton Centre, MA. 02459
Phone: 617-633-7703
Fax: 617-762-4067
Email: wardshifman@NUMBER1EXPERT.com
"Ward's refined style and performance in our behalf has completely revised my impression of the realty profession." Feedback such as this from Ward's clients is evidence of his strong customer care, effective listening and communication, as well as effective marketing strategies. Ward was the first agent to join William Raveis in Massachusetts, and is a consistent top producer both with-in the company and amongst all Massachusetts brokers. Ward services the Boston, Brookline, and Newton areas, along with Cambridge, Wellesley, the North Shore, South Shore, and many other neighborhoods. Ward's expertise is not just in sales, but in every aspect of real estate--this unique service will help you make the connections towards accomplishing your real estate goals.   
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