Loans & Finance Posts

Learn everything about financing your real estate ventures, from mortgages and home equity loans to commercial loans, private lending, and insurance for investors. Get expert tips to make smart financial decisions and maximize returns.

What is the most overlooked tax break?

Last updated: November 23, 2025

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One of the most overlooked tax breaks is the mortgage points deduction. When you buy a home, you might pay “points” (also called discount points) upfront to lower your mortgage interest rate. Most people forget that these points are 100% tax-deductible in the year you buy your home (as long as it’s your primary residence). … Read more

How much of a tax write-off is buying a house?

Last updated: November 23, 2025

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Buying a house doesn’t give you one big flat “tax write-off” — but it does open the door to several deductions that can add up to thousands in savings every year. Here’s what you can usually deduct: 🏡 Major Tax Write-Offs for Homeowners ✅ Mortgage Interest – The biggest deduction for most homeowners. You can … Read more

How much is a first-time buyer discount?

Last updated: November 23, 2025

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The “discount” for first-time buyers usually comes in the form of grants, down payment assistance, or lower interest rates, rather than a fixed dollar discount on the home price. Here’s what’s common in Texas: 💡 Tip: The actual “discount” depends on your income, location, and the programs you qualify for. Some buyers get more than … Read more

Do you need proof of income to buy a house cash?

Last updated: November 23, 2025

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Good news: if you’re buying a home entirely with cash, you technically don’t need proof of income. Cash buyers don’t go through traditional lenders, so your salary or employment history isn’t a factor. BUT here’s the catch: At Trealtorr, we help cash buyers: 📲 Call or text us today at +1 (347) 831-6085 — whether … Read more

Do you get a bigger tax refund if you own a house?

Last updated: November 23, 2025

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Owning a home can definitely help lower your taxes, which could mean a bigger refund — but it depends on your situation. Here’s why: Tax Benefits of Owning a Home Important Note At Trealtorr, we guide first-time buyers to maximize all available tax benefits, from grants to mortgage deductions, so you can save as much … Read more

How does the new $6000 tax deduction work?

Last updated: November 23, 2025

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Absolutely! The $6,000 tax deduction you’re referring to is a new benefit introduced under the “One, Big, Beautiful Bill” Act, effective from 2025 through 2028. Here’s how it works: ✅ What Is the $6,000 Tax Deduction? 📌 Important Details 💡 Example 📲 Need Assistance? If you’re 65 or older and want to maximize your tax … Read more

What is the best bank to go through for first-time home buyers?

Last updated: November 23, 2025

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Here’s the truth: it’s not always the biggest bank or the flashiest lender that’s best for you — it’s the team that actually understands your needs, finds you the best programs, and walks with you every step of the way. That’s where Trealtorr comes in. Why Choose Trealtorr Over a Bank: Some banks might offer … Read more

Can I buy a house with no money down and no closing costs?

Last updated: November 23, 2025

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Yes — it’s possible, but it depends on your loan type and available programs: Here’s the catch: these options often have income limits, location requirements, and credit considerations, so not everyone qualifies. At Trealtorr, we make it simple: 📲 Call or text us today at +1 (347) 831-6085 — let’s see if you can buy … Read more

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