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Why Buyers Choose The Kelly Hager Group - Why homebuyers looking for a real estate agent in the O Fallon, Chesterfield and Wildwood area choose The Kelly Hager Group. Latest Listings - Get The Kelly Hager Group's latest O Fallon, Chesterfield and Wildwood listings of homes for sale first! Find Your Perfect Home - The Kelly Hager Group will search for your ideal home and email you the newest O Fallon, Chesterfield and Wildwood MLS listings of properties in St. Charles County MO. First Time Homebuyers - Are you a first time homebuyer in O Fallon, Chesterfield and Wildwood, MO? Choose a top real estate agent. The Kelly Hager Group can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your O Fallon, Chesterfield and Wildwood house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find O Fallon, Chesterfield and Wildwood Homes, For Home Buyers, For Home Sellers, O Fallon, Chesterfield and Wildwood Information, Real Estate Resources, and About The Kelly Hager Group. 
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Financing Your Home >Home Free
Conventional wisdom says, "Don't pay off your mortgage early." Are you foolish to consider an early payoff? Absolutely not! By adding just $50 to $100 to your mortgage payment every month, you can save thousands of dollars in interest, pay off your loan quicker, and eliminate a major monthly expense.
The argument usually given against paying off a mortgage early is that you can make investments with your extra cash, such as mutual funds, stocks or bonds, which pay higher returns. This approach enables you to take the mortgage interest deduction and have easy access to your money, in case you need it. These are all definite pluses, but are not guaranteed savings results.
Any extra income which an investment might generate above your home equity appreciation can be offset by a bad year in the investment market. Investment earnings can virtually eliminate the income tax advantage of your mortgage interest deduction, since stocks and bonds are likely to generate a fair amount of dividends, interest income and capital gains.
It isn't as simple as conventional wisdom--consult a financial expert.
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| Q |
In what area of the United States did the price of existing homes increase most dramatically in 2005?
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| A |
Phoenix, Arizona real estate recorded a 55.2 percent increase in home prices during 2005. |
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The Kelly Hager Group
Keller Williams Realty Chesterfield
16650 Chesterfield Grove #200
Chesterfield, MO 63005
Direct: 314-580-7000
Office: 636-229-8690
Fax: 636-898-4328
kellyhager@NUMBER1EXPERT.com
The Kelly Hager Group with Keller Williams Realty Chesterfield is a group of realtors that is dedicated to client satisfaction. We advise and consult with our clients to make sure all of their needs are met and that they walk through the home buying and home selling process with ease. If you need help buying, selling, building, or relocating in the Saint Louis, Saint Charles, O'Fallon, Lake St. Louis, Wentzville area, please call Kelly directly at 314-580-7000.    
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