Found 3 blog entries tagged as property taxes.

Buying a home is an exhilarating milestone—unlocking the door to your future and hanging that "Welcome" sign. But before you pop the champagne, let’s talk about the less glamorous side of homeownership: hidden costs. These are the sneaky little expenses that can turn your dream home into a financial wake-up call if you’re not prepared.

At The Cobb Group, we pride ourselves on helping our clients navigate these complexities with confidence and clarity. Being educated and prepared in advance sets you up for success, and having the right Realtor makes all the difference. Let’s break down the real costs of owning a home, so you can plan ahead and enjoy every moment of your home-buying journey.

1. Home Insurance: Not Just a Box to Check

Imagine…

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Welcome to your home tax deduction checklist! For homeowners, this kind of guidance is essential in the wake of all the changes ushered in by the new tax plan, the Tax Cuts and Jobs Act, that are still rolling in.

The biggest change for 2021? The standard deduction jumped a couple of hundred dollars for taxpayers—to $12,550 for individuals, $18,800 for heads of household, and $25,100 for married couples filing jointly. And this higher number means you need to dig into all of your home expenses to see if their total sum tops the standard deduction, depending on your filing status. (If the total doesn’t surpass it, then you’ll just take the standard deduction on your taxes when you file.)

To help, here’s a list of all the tax breaks for…

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You can’t shock your loan officer. They’ve heard it all before. Count on the fact that your loan officer has answers to all the uncomfortable mortgage questions you may be too afraid to ask. Itchy topics like getting a home loan with no job, taking an ex off your mortgage after divorce, and filing for bankruptcy aren’t as scary as you think.

Opening up your personal life and your finances to someone you just met isn’t easy. Understandably, many borrowers are hesitant about laying all their cards on the table. Vanguard’s 2017 research found that a strong financial relationship is built largely on emotional trust. In short, looking out for a borrower’s interest. Finding a loan officer who’s not only willing but happy to answer some of your stickier…

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