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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Barbara Zorn, a proven Cocoa Beach, Brevard County and Melbourne, Florida NUMBER1EXPERT™ Top Selling real estate agent.
Find Cocoa Beach, Brevard County and Melbourne Homes - Find Cocoa Beach, Brevard County and Melbourne, Florida real estate listings & homes for sale provided by Barbara Zorn, your local expert real estate agent.
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Cocoa Beach, Brevard County and Melbourne Information - Find local information on Cocoa Beach, Brevard County and Melbourne, Florida including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Barbara Zorn, a proven NUMBER1EXPERT™ Top Selling real estate agent.
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School Reports in Cocoa Beach, Brevard County and Melbourne, Florida

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Schools in Cocoa Beach, Brevard County and Melbourne

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 considered to be one of the soundest long-term investments?
A	Real estate has a long-term record of strong investment return and is a driving force of the national economy.
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Barbara Zorn, REALTOR®, real estate agent and broker for Cocoa Beach, Brevard County and Melbourne Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Barbara Zorn
Prudential Star Real Estate
1733 North Atlantic Avenue
Cocoa Beach, FL 32931
Cell: 321-537-6262
Fax: 321-868-5566
Barbara@SoldByBarbara.com
For the second year in a Row-Barbara Zorn was #1 out of the 67,000 Prudential Real Estate agents in the United States, Canada and Mexico for total number of units sold both in 2008 and 2009. When Barbara is asked how can she continue to grow in this unique real estate environment she said "I have set up systems and processes behind the scenes to insure that buyers and sellers get all of the resources that I have available to me. I spend a lot of time in training looking for the newest in cutting edge marketing. This website is just one of the many tools I use to give the best to my clients."

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