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Published on June 3rd, 2014 | by Naomi Scipio


Naomi Scipio; “Avoiding Extra High Home Financing Costs”

Pictured above: Naomi Scipio, Broker/Owner, Central City Realty, Inc.  


Price Reduced to $59,900; 3124 Truman Street, Belvedere S/D; Move in ready. 3 large bedrooms, 2 full baths; Washer/dryer stays, hardwood floors, central Heating and Air. Close to hospitals, Ft. Jackson, Schools, and shopping

Did you know that there are ways for you to pay less while you own more?  If you know exactly how to work with the real estate market, then you can also find ways to avoid extra financing costs.  By finding the right area to focus on for your investment, you will be able to pay lower amounts without extra charges.

One of the easiest ways to avoid extra costs is to make sure that you pay your loan on time.  Usually, mortgage companies will add in extra finances if you don’t pay by a date that they have set for you.  Over a specific amount of time, this can cause you to pay hundreds of extra dollars in financing at one time.  Staying ahead and consistent will help you to keep costs stable and lower.

Of course, knowing the loan options that are available to you can also help you to avoid financing costs.  Some homes will require that you invest more, and some loan programs will also ask that you invest a higher amount.  You will either want to make sure that this will be beneficial to you in the long run or you will want to look into a different type of plan.  The plans that you invest in for mortgages will make a large difference in how much you pay overall and how much you pay each month.

The finances don’t stand alone when you are trying to avoid extra costs.  The value of the property that you are investing in will also make a difference.  The goal for any real estate investment is that there should be a high quality home for a lower price.  You want to get as close to this goal as you can.  Even if you pay on the home for a while, it will allow you to benefit later on with the investment that you have made.  You will have the ability to have more returned to you when you decide to invest in something bigger and better.

Real estate financing can be beneficial if you approach it correctly.  Understanding how all of the parts of your loan, your home and your individual need works together can help you to find the best deal.  Over time, you will not only have a home to live in, but will also have an investment that can help you to make the most of what you have.

Central City Realty, Inc. has been built on a tradition of excellence, professionalism and personalized service. It enjoys a strong, positive reputation in the Midlands. Central City Realty, Inc. has been involved in a variety of real estate projects, including development, resales and marketing for the City of Columbia, other governmental entities and the private sector.

Contact Naomi Scipio, Central City Realty, Inc, Phone: 803-256-0350 or email:






About the Author

Forward Thinking. Setting the Pace. Central City Realty has a high standard of excellence and a solid reputation for providing quality service. That's why Central City Realty is a recognized expert in the Greater Columbia real estate market. Located in the heart of the downtown Columbia business district, Central City Realty is a pacesetter among it's peers. Its agents are highly professional, knowledgeable and well-respected in industry circles. Central City Realty realizes that real estate decisions are among the clients most important decisions. Central City Realty's professional team works to remain knowledgeable about market trends, planned growth, and other factors that impact your real estate transaction. Our Team takes time to listen and understand your needs. We don't stop working untill you are satisfied and ready to seal the deal!

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