Show 2C The Salt Lake Tribune Residential Sunday June 24 1990 ft Ira 111JLICAL 1111311 - JILMOLJ: We get it until it pops out of our pores — advice that is And it's at most invariably Heed it or not? DEAR MR CAMPBELL: Since I am about to become a first' time home buyer I've done a great deal of reading on the subject of financing and I am thoroughly confused Almost without exception everybody tells me to pay as little money down as I can manage and stretch it out as long as possible mainly because of the tax advantages and the wisdom of using "leverage" I notice though that you seem to be an exception to this Who's right and who's wrong? Mr TAT Sacramento ANSWER: Beats me I think its an oversimplification though to assume either side of this argument is "right" or n15 f11U t:totr ink IL i 1 el V&A 1 4444 t' Maybe I'm a fuddy duddy or maybe it's my Scottish instincts rising to the surface but I've never been particularly charmed with the idea of being in debt any more than necessary There have certainly been times in recent history though when the leverage principle ("pay as little down as possible") was pretty hard to refute — times of soaring infla tion fast appreciation in home prices and favorable tax treatment gave the argument a lot of merit But with moderate inflation and a flat or lower appreciation in home prices (as is so common now) leverage is oversold OK in the face of a house with a selling price say of $70000 and with interest rates standing at 105 411 mit it'EXCLUSIVE 1 -- ICC No 404 Sale Office P Bulge Jim 530-567- 6 534-867- 7 WARDLEY & Gardens HIGH POINT & Moving 7900 South 1000 East at 80's ' CALL TODAY!! ? REDUCED ESTATE SALE WARD LEY Davi KENDALL I Gardens View MIHOM 26245465344201 L Lrii 13 acre Beautiful stream Wonderful wooded 2 story home tot bath & 3 bdrm IttiGHBOAH000 Back yard Ithe a Hardwood Boon wood burning Hove fee In bathroom GREAT FAMILY AMY barm formal dining slab wbitall sanded & plumbing Immaculate Retuned SYLVIA 5831120534-804- fi ' 1 I 2 LOTS OF ' - 1:- COMMERCIAL RFRGST-TVWS- - 2064683 I Wm JOYCE E 2 OPEN RAMBLER Spot- 255-HOM- acres 3445 HOLLADAY Scum & PARK Lin SETEING ao uHy landscaped horse property 2800 sq It rambler $344900 workshopstable JIMPAT MORAY DAVIS 9420082564- - 3945 DIMPLE immaculate 3 Beautiful neu hal decor Quiet street $69900 JORDAN CHM USTED! ) 9421634 1321 HARVARD Remodeled 4 bOrm3 bth home Over 3900 sq ft 3 trolcs Fully Inca yard with deck I acuut S269900 11111 3945 Clean berm 2 bath 2 car large tented yard JUST PARK vtews $319900 BONNIE DAVIS OPSN 123 1871 I CASINO WAY (6300 SI Swot buy on luxury condo in iiciliodair 5 barmy 3 bath aiming SOO rec rm oolINESARSEN DELL Spectacular Al laville location acre 6000 sq It 2story rncrdible barn CONDO OPEIC I 3 garage LUFUCXYStAL - 3945 4842761566- ROSS -- Lit- producttel ewitione SelLV 11 :' -- - 100 it:1 14 -- rtA' A l it REMODELED New carpet point vinyl floor draperies furnace roof aqualech pool WO gat hot tub 7575 South $94200 RICK WISEMAN 3591949 MURRAY RAMBLER birch rambler 3 barm2 bath tomily MOM 2 car garage paho and deck $87900 KEVIN JENSEN 5811747 SUPER STARTER 2 banns lull both wiloads of storage Hardwood floors fenced back all for only $59900 DAVID SEILER 9424304 DMRSMED KOPERIY Beautiful original "Pambeiget Railroad Depot" available tor purchase Five separate living environments inci the iist josepliS Roodhouse" occupancy OVA bldg complete ty rekolaished quality onsuipossed Pnvate swimming pool duplex lot also Zoned RI Red Smokiest Nsy Care Medical Otlice Ski Rental etc Many uses Bulk otter considetee lRIJY TEAGAN 9437866 The A 4 : L roo P 71111111111111- 241111VILITI IhiS is the NJ that JaA built House Hexed 04411 111111 '" 11 rert - it for a songto Keep It hileZi uo! HELEN CANYON RETREAT Wordedul 4 bdunt4 both rombIer on secluded acre lot well woods ond stream 6I69000 NORTH SALT LAKE JAkktri ! rncydreOwsbrolvitec aft Nti Pat - o getkaltt r — 'S 4 ‘: ii V lk - fk 1 WILLOW CREEK HEIGHTS cuslom two story-bdrms bins 9 ceilings main tit !only Pick your own finishing treatments $159900 BUTCH CM trf 5664S811 New DAVIS j RENOVATED 2 STORY 5 bdrm 3 WM mom hoof deb updated kitchen 4 baths hVIrtg ond dining rooms S124500 5343TRO I SCOTT MARSH DE SF R ET N EWS JIFF CHIO4$IE0 rosolootiwell rrkrme hyoi 17- THORNTON large 4 year bia tudor reduced thousands 5100 sq O 5 bratmt4 bath s 3 car garage $125000 BENCH One owner home Cathedral mcerii?cgs with RV frs a urn HMOS THORNTON JIM PENDRAT essilg rental Vgit MURRAY WINNER!! 3 Dorm 2 bath rambler family room huge shed goring great yordl 553900 CALL 237- 2000 But rug by list ing it in the Classifted Ads Perfect - vt I STUNNING STUCCO MO stone riarOwOOO rile gourmet kircnen Main family 3 yrs aid but borrow Man newh I133 900 LIS IIIISON 51141121 - tr d — ' — LARRYSANDRA 5714663 BAILESS KATHY NU 2 DONNIE GEORGELAS TAYLORSVILLE STEAL 3 bdrms family room bathroom 2 car garage new carpet & paint fully fenced yard $49900 TERRY 2776531 NEW CONSTRUCTION! New home with upgraded cabinets! Choose carpets super value at $49850! 2 car garage DAN LINDBERG 94346211 ASSUME — QUALIFY Owner agent Rented Big fully fenced Great for Pg family 4 bd2 bth high ceiings $48900 WIRE MCHUGH 58241110 GREAT STARTER! 1 bath 3 bdrm split entry with fireplace lull fence and mature Putt trees $44900 KENT MOMMSEN 2614 315 WHAT A FIND! bdrm stoner home new carpet paint fenced yard wood stove Bonk owned $37900 LARRYSANDRA BAILESS 5714663 CUTE 1:00 159 "F" Street N 3:00 OPEN 2:00 3 bed- Spacious beautiful decor back yard' OPEN 2:00 $1 5:00 - 1195 South 1000 East pretty street $79000 Barbara 3:00 - 5:00 OPEN CONDOS 3000 4542255 NANCY KIARNISKI CONDOMINIUMS LUXURY PENTHOUSE CONDO Gorgeous views walk to 'own pool sauna Indoor parking at elevator 24 hour securely $99900 DON BRUEMMIR 4214424 SHADYBROOK Fabulous conlemb decorator delight end unit 2 Doty style easy FHA assumption Only $84500 09096 SJOBIOM 4961661 141 I'17IF COTTONWOOD HILLS CONDO Incredible price bdrms 3 bins loll ovellooks room family room $58500 CHRIS POSS 9424634 HOLLADAY BEST CONDO 2 arcems 2 Whs new carpet and wail paper cable N call today $51580 well maintain 2775232 CLASSY CONDO decorator many upgrades Close to tennis and pool You must we inside Only 5499001 DAVID $KID 9424304 CHARMING CONDO Quiet end unit with private deck Olt master New paint and upgraded beyber carpel $40000 SUZANNE L SANG 2624660 SANDY CONDO New COMed linoleum & paint Immoculute inside & out 3 bdrmst 2 baths Plus tomily rm $37000 KATHY FULN 2664602 WEROATI ESTATES EAST 1140U SOUTH prestigious single family home development 12000 - sq ft Home Wei from the low $3ft's 1985 I Fenced & Landscaped Treatments Protective Covenants Neer City Park View Lots Available Entry ISUTCH DAILY 50416:1 covered Connor St private yard Absolutely stunning main floor living with add guest area down Quality -throughout A 101 Model seldom on the market $269000 Nonne CONDOMINIUMS Sugarhouse Condo Cute 1 bdrm condo located near bus and colleges Neutral decor oak kitchen Helen Murray Charmer $79900 Wonderful brick ranch New roof bath deck Secluded yard 3 bed 3 bath Suzanne in wonderful Graystone $39000 remodeled 2 bed Sugarhouse condo WashDry Included Neutral Sally 487- 8338 Lovely Lender Orders Sale S 700 E 5 uni- ts 2 and 3 bed pivt yards twnhs new never occupied Low to mid $60's Special finance avail Don't miss out Not me Tara Gardens Reduced! $55900 Heart at Holla- Now day 2 bdrm 2 bath spacious & light car Security bldg gar Linda Holla- with day location 4 bdrm 2 bath $89500 Patsy Super View! bdrms 3 baths new kitchen 3 wood burning stoves 625 91h Ave $89900 3 Peggy Quiet Eastside Very secluded area 3 bdrm 3 bath family room walk-ou- t basement with fantastic vaiRhoda ley view $105000 Delightful Tudor! Clean painted hardwood floors 3 bed 2 bath 2 firformal dining eplaces 8110000 Assume Low Ut Housing Qua' 'brooks best buy' 2 bdrm 2 bath laundry Clean and beautif ul $36500 Peggy 5615234 Gables-700- patio Eastside Starter and frame Newer carpet range and diehwasher pet yard $69500 Sue Large lot Georgia 3096 582- 2 Bed Wilshire Gorgeous Unsurpassed city views 2 bath 2 car secured pad Low rates S77000 Sal20th Floor American Twrs Assume lower int rate loan with minimum down bed plus &nem 2 bath greatly upgraded $79900 Linda Penthouse Panoramic View $115000 2 beds 2 12 ultimate decor and Prolessionally done Wonderful kitchen good security Pool real quality wrap around terrace Sue 364- 8 '126 Only bath taste - LUXURY HOMES Early Log Home Situated on 2t3 acre in Cottonwoods area Rustic ambiance 4 bdrm 2 baths $139900 Barbara or Ann Bountiful with View High east bench Terrific views 6 bed 4 bath spacious multi-lv- l Main fir lam rm 3 car gar $168900 Marcia 272- 1221 or Linda Backs Bonneville Golf Course Unique home surrounded by wonderful secluded lot 3 bdrms 3 bath nice large rooms $179900 Jodie 278- 6864 Beautiful Mini Estate! Adorable Belvedere Unit Right downtown but quality built so nice Great bdrrn $59000 Sue ly A stoves Enjoy your Privacy 4:30 (2140 E) 26 The Edgemont Estates ultimate in condo living with ONNIE OIORGELAS With Palmer Drive rambler 4 bed 2 wood 4490 W Brick COMPLEX 2:00 STARTER!! Priced right or young family This remodeled 2 bdrm I both is close to shopping Fully fenced yd $36900 1274 Nice (1680 E) on main Private painted Charm!' $875001 Suzanne S Great Eastside Starter Located close to schools shopping freewy and park 3 bdrm 2 bath mature landscape 858000 Rhoda 532 4 bdrm brick 3 bedrooms yard freshly OPEN SAW Near Capitol $49950 Classic! 143 W 600 N Newer kitchen bath neutral carpet paint 3 bed garage Nome fenced sprinklers $67500 Barbara 2970 S Imperial TOWNHOUSE Rhoda Executive Penthouse in Governor's Plaza Spectacu'at views California decor with stucco and brass 2 bdrm 3 bath $415000 Jodie 12900 Easy FHA assumption perfect brick home large rooms 3 bedrooms on main floor new kitchen quiet OPEN 2 units together for canyon & city views 3 bed 3 bath extras galore! Totally stunning! HOMES FOR (4855 S) Wonderful all room 2 bath hornet private Marcia Canyon Crest Fabulous View 4:00 - 1515 E Colony Dr rooms Only 8 luxuni units on ousel 3 bdm 3 bath main floor laundry attached 2 car garage Now $162000 Marcia $289000 1010 NO QUALIFYING Low down 5 bdrms2 baths nice neighborhood on quiet Neutral colors Motivated $52900 ALL NO1THSALtiMa PIMA and for rIkWe gpt a top HOLLADAY RAMBLER bdrms 2 baths !amity room fireplace 2 car garage 5457 So Edgewood (1500 Ei 573900 DUANE CLEMENT 2699096 HOUADAY RAMBLER 3 bdrms I bath SuntOOM sernhfornal dining large porch in rear: 54 oc con be Subdivid $55000 RICK BENNION 3569042 WEST OPEN Brick 3 174 BONNO SJOBLOM DEBRA uI-wxURt- A' itelen vou've stone 4 AREA! Spotless 2 bath formal park like backyard! dining $95000 WEST it is E rambler Gourmet kitchen master suite sharp tasteful updatedi Extras! $103000 JEANNE DASCOIGNINAYES 8844235 COTTONWOOD AREA Brick rambler large rooms 5 bdrm 3 bath many extras Great yard with deck and hot tub $89000 Hardwood tile gourmet kitchen main family 3 yrs ola but better than new S133900 LES ELLISON 5811412 bath home new 35 Immaculate contemporary 10225 SOUTH 3:30 5:30 Stunning stucco BONNIE DAVIS 94393065-68-394- bdrm 2 bath 2 car garaga Deck hot tub Barn wriott $19950 (604267) Me BYBEE 94378663344616 4 it UTAH'S HOME TEAM I bdrm ownedmeects Q iol of TLC but could be wonderful bdrm2 bths Valley I mtn views $119900 TERRY 2776531 JUST REDUCED!!! Bonk SHEBA GELMAN 2101 EAST last' $73000 Won't CUMMOCK 2 OiM1ElaNgEMMmommomin IT68gL-T114A67- less 4 carpet large lot EAST DUPLEX EXCELLENT RAMIS 12 acre home p(operty 58311206344662 total move 355364I IARRY BROWN SALE FAILED! OAKS DRIVE ACRE $55900 3 bdrms 3 baths family room woodslove new carpets and paint Easy FHA assumption JORDAN BARGAIN 4 Won ranch fireplace tile full basement large fenced yam tone of extras $54900 GREAT HOLLADAY RAMBLER bcirms2 baths vaulted ceilings unfinished bsmt family rm wifrolc Private back yard $127000 JAREN DAVIS 9425770 OPEN 3:00 5:30 Wondedul Opportunity for $148900 6 bcirmsr3 baths new oak kitchen views Walkout lower level DUANE CLEMENT 2699096 4 ORDA OUT '131ABP RAMP 12 STOPY4tIONCE0 SYLVIA WEST JORDAN EAST 12 GLEN GUSTAFSON WEBSTER E PRICED TO SELL WM entry style home Large master suite large kitchen and lot Mull see! $59500 Assum marl KIT NOUSLEY 3637601 Donner Rambler Condo Ave (525 E) Remodeled 3 bedroom 2 bath classic hornet Only $899001 Linda 583- - 9421634 3 3 (4450 $) PATRICIA CURTIS 2377 E 3395 SOUTH Over 42 Acre 4 Barn tam Rm ANXIOUSI $110000 PROPERTY - Near U of U859900 Use apt up to 6 bdrrn 3 bath help wpayment New plumbing wiring paint car pet 16023861 1500 531412 ELLISON gOLLADAYSI EAST TERRY 57327305663945 HOME bath main floor lathwky Lg corner yard MI new paint A carbet A steal at $84900 (ADAIR) 534 1848 LAURIE Se211205344662 3459 in 5770 IMMACULATE OPEN LAMO 2774015530-379- WORDIERFIA 5 SUSAN C payment 411 Pill at make offer remodeled owneragent $39900 EsoloRDAttlak - bath car garage Reduced to $64900 Ciose to eserythmg Seder transtr erred HOME? trees NEW ON MARKED Fabulous home and yocci on quiet tree lined sir 3 bdrm newly remodeled Don't miss this! $51500 NANCY PETERSEN 2614125 ORIGINAL WOODWORK 3 Lead glass windows bdtms bath hardwood tin secluded pa tio big yard hull trees $44900 KENT MOMMSEN 2611318 Wonderful Opportunity! 3 bdrms hardwood floors spacious fenced yard great buy $69900 Sandy rambler! down walk- in In vISUGARHQUal 3060 SOUTH OPEN 3:00 - 5:00 EMMMMI REEDDU ASSUME AO QUALArY On Entscson Ave brim 2 SYLVIA FIRS lot Nestled $18900 Ui 2267) Lots more iMEYER) CLASHRA HOLLOW OAKS Credit Onion owned 59(11 work wiquallfred buyer Pratte spot (60- - 3 1919 VIEWS! Beautiful- maintained brims2 baths easy DON BRUEMER Family rms main & oul burnt $119900 $I 79000 DARLENE SOLORIO 266-4683 ' PARK LIKE YARD IN ly sprinkler end Sanpete area e horse CLAUDIA 3 STUPENDOUS gat auto brim I j ble gar 3 wooded lot backs Onto National Forest 4 ladrm3 both dbl garage Afford° bdrm model neat pork 2 bal 554300 "85" paymt $490 Only $62500 SUPER ASSUMPTION! ROSANNE MULTREVEL 7496 $2340 5 Scirms 4 Elks 3 car 53448451 LAWNS In SL r 36414842782777 2 (NDIAN HILLS SCHOOLS ARtA bdrm 3 bath Beautiful Claillie detogn wgracious formal difung Sauna hot tub A panoramic views 3 New wiring DARLENE SOLORIO FORECLOSURE LOOMS slashed to $66000 subject ta lender approval PK muthlevel 3 bcirml2 bth family room LARRYSANDRA &MESS 5714663 TAKE OVER PAYMENTS tow down immaculate 4 year old oak cabinets family rm off kitchen garage $64930 Gled new suite all HIGHLAND PARK bedrooms 2 baths loaded with extras Hardwood floors light and any Assume low rate FHA loan 3611 S CHOKE CHERRY DR (3860 E) OPEN 2:00 4:00 Spectacular volley views! Large 03000 5 ROSE PARR VICTORIAN $35000 Cemont 6954 OPEN great outside views good great price Wonderful family home (USHER) LAMM 5344548 26046635344672 Is IN" 2 ildfm One level bungalow large yard covered deck 2 car garage FHA! "APPRAISAL JEFF OtODESTER CONDOWNIUMS 6:00 llth (555 N) Avenues $990008 Estate 1 Sale owner 3 bedrooms formal dining recreation room plus fabulous panoramic views' Come see for yourself! Nonne $69900 2611318 Pfi CO 12:00 328 E FOR YOUR FAMILY Upgraded multilevel home has 4 bdrms 3 baths cathedral beamed $84900 ceilings-onl- LISTED! SUMMIT PARK VALUE story vaulted ceilings private access flat $84900 (3400 $) OPEN 1:00 Wonderful 4 Wm4 both rambler on beoutiful wooded canyon loll A retreat for $169000 HELEN THORNTON 5835470 BEAGLE OPEN priced below Hurry ShOMMSEW KENT GLEN GUSTUFSON 5341704 CANYON CREEK DR E market 'blue! CHRIS ROSS EAULKNER 1398 double garage JENSEN deck Millcreek 2000 in Dell $110000 4874331 OWNERS TRANSFERRED Excellent location 4 bdrms 3 baths MARY BRNOWITZ 2story torah) renovated 2 berm2 bath great 3 BRENT Upgrades GOLDLE WINN 9439506566-394- MARIE RICE MARSHA ROGERS 571 ADRIENNE PUGH bath YOWNSON SALLY homes 3 car gar Views prices starling 8155000 3 models open (SLACK) GREAT SANDY ARIA redone inside 5 bdrm Newly A 2610278278 2777 New i a014 1ANDVikalookik 26245415344211 fe641111 DREAM!! No fool101i West Jordan 3 Mem MOTHV'S ing! LAW rambler floor family Dimple BRICK AND STUCCO Incredible style and charm high quality construction 4 brarm 3 bth hot tub 1175000 maple kitchen master custom remodel $119900 PENDRAY sq ft OPEN TODAY Recarpet and paint wonderful horse property 3 brim brick main NEW LES assumption Quiet cutde-sagalore! $59900 ROCIONELL (2890 1) Open 47 CIR 26E4683 CLAUDIA 2 (ADAMS) Brick DARLENE S'OLORIO 3641484278 2777 A $115900 3020 SOUTH 2520 EAST OPEN 1:30 - 3:30 SEE DR OPEN : EMIGRATION CANYON RD $69900 JIMPAT a price At OLYMPUS COVE bdrm 3 baths formal and kitchen dining living family play rms 2 car gar $199900 open to afford 1179900 SHEIIA GELMAN 2122522 JUST OPEN 1:00 4:00 Designer's home completely updated super clew great area I REAL ESTATE 566601 DAILEY CUSTOM CLASSIC With 4 bdrms4 baths Quiet setting many energy features Must see M19900 DAM MIR 9424302 MAKE MONEY RAMBLER FABULOUS HOLLADAY RAMBLER All new main floor done with lode and style over 33 square Wet on 39 of an ocre $139000 KEWN CAMERON 2774215 HARVARD AVENUE! Exceptional 4 bd 2 bth Irg rooms formal dine tom room garage perlection throughout $119900 DEBRA SJOBLOM 4864661 980 EAST (1080 S) you can afford! 2 Bdrm & Berm unit 2 car garage $37900 LAKEWOOD CRYSTALLON NICELY DECORATED 5328 EASTSIDE DUPLEX Charming 3 barm bungalow in Horvord Yale orea must see! $09900 JOHNSON Won home Rem bier 339900 l ES ILITCH DON BRUEMER 2699096 TALI DUANE CLEMENT EXECUTM WARIER cared for inside and out Wood stallion park like yard 3 bdrm2 b$h $132900 MAGNIFICENT VIEWS! redwood contemporary SHEIIA GELMAN RALPHVIM Siti 49372715 2771 24 1604 E SHERMAN (1350 S) Location counts! 266466353441672 3 patio nice backyard OPEN Nice neighborhood Wonderful remodeling tob Tile in kitchen & bath Lots of extras Pride of ownership! AMY MARY'S Gar OfficeHobby VIEWS! SW Decor IMMACULATE $269500 6104566-394- FRED (2735 E) M CALIFORNIA RAMSEY Beoutiful (4010 $) OPENING 2:30 3 bdrms3 baths brick rambler winew neutrordecor Covered CHANCEL Executive couple's home 3 kerns 3 Bias 3 Car 9315 S SUNRISE (1720 E) Custom l 3 bdrm 3 both cathedral ceilings custom hie a wdwrk ctrl air wonderful kit & mn Ilt tam rm 3 car gar 8154900 TO SELL! S COLORADO All above Foothill neutrol decor 4 Want 4 baths 2 car got $159900 COSSIESIONE E NE VADA 566-394- 5 4 KEVIN (8900 $O) OPEN 12:00 6:00 New two story in superb area 4 bdrmsi 21 2 baths custom kitchen main floor family BUTCH DAILEY 5464588 1978 WOODSIDE DRIVE PARR LINDA COLEMAN 942- 45 4433 WY LOTT Gor81599001 in Willow 3 both lovely bilrm 5 LEE SUPER NOME INVESItigHT 011011TUNI7f Capitol Hill area Duplex or e cash flow REEDDEE 27201515303794 10 (2655 creek decor 113441292 late Don't miss this °Niel 63026644OSSE Anitte S geous just $39900 A1 condition New paint & carpet 3 bdrm 2 bath lovely yard auto sprinklers EMU STANINN HONK Nice ants 3 bdtm 2 bath Beautiful back yard Close to shoppingbus 4662538 lot OCIO 2421 111 LUXURYI OPMS UTAH A AA Woodside Homes TO YOURSELF! EAST SUGARHOUSE Wonderful Hardwood floors main floor lomily room 5 bdrms 3 bths super yord You must burryt JIFF PROCTOR 5251 S SPRING VALLEY COURT OPEN 12:00 4:00 Free & easy Iwjn at Spring Lane condo's Upgraded throughout 3 bdrm3 bath Lots of COON $19900 111 mousaY 1215 E CANYON CREEK RD (3PD fantastic pormy light carpets condo $66900 DR FAMES EYRES E 8953 Now DONNA Better Homes ST MD OMER AVE) NEAR V" fA Assm 3 Sam) Contern 9714 S KELIYEROOK E) Colonial 2 story 4 bdrms 4 baths 2 OPEN int SALT LAKE 11110IWEritAuttile NAAVARDSALE 160 "M" 5 IT MINIAST Mil above Bountiful brand new home with pizazz! $149000 Come see! JEFF CHiDESTER 4642538 copirn-'-'0 OPEN Marketed by Hearthstone Realty AtINSEIL 2435 SOUTH 2500 EAST OPEN 1200 3:00 Best buy in Country Club area 2000 tati - Call Marty Lingwall LOPENHOUSES1 -- ROSEL1A ARNOLD 942- - 6109566-394- 530-567- 6 a beam bungaiow Tile root newer kitchen 6 furnace email yard Call Today! OWE 562-522- 0 Gardens JEFF CHIDESTER - (1-- & AYERS 2782717 111 S) Vacant new paint in & out I level huge formal dng 3 bdrms 2 baths 881900 OPEN PARK 7 You Better Homes 2 - ATC- UNBELIEVABLE FINANCING WAY BELOW MARKET RATES 488- - 9181 WARDLEY :' BENCHMARK OPEN 24 1682 DR (5400 DR Inc 10-- I PER PURCHASE car) heated pool tennis volleyball weight room hot tub clubhouse RV parking Gaynell 5664945 MARILYN Bil lye Jim WITH THIS AD: AT CLOSE OF ESCROW FAST MOVE IN QUALIFYING HOME FOR THE HOLIDAYS! bedroom condominiums with garages TO Large Bil lye UNION PARK OPEN DR (2795 WARDLEY netter ad Hc?112 ' start in the 268-209- purchosed by 83190J EASY 530-567- 6 ND ASSOCIATES OPEN 5 9583 S MUMFORD Reduced! Magnt cent 4 Wm 2 bath temoclehsd to perfection oak cab Ian rm on main & dn All the extras! $67900 - 80260 Phoenix Al 85060 1990 Cowles Syndicate Lot prices discounted to $16500 when we build your home Prices start in the PO's R1DGEVIEW ESTATES Visit our model 10 ill E 11640 South 7 pm Daily 5717935 DISCOUNT OR REBATE Of LIMIT sq H 3 bdrmr2 bath Surrounding homes $150900 plus Only S899007 BONNIE GEORGELAS 2774232 For dng tam rms huge master $117900 i'ootttlitt: - $50000 SEE OUR MODEL TODAY ellOMMINIMMEEiMENII D1C ARNOLD 9424109566-394- Homes & t (180 1) 9724414 wnors lair about repaying a lender °Ye( 30 years three times the amount you onginalty bar:owed? Not a whole lot But you con save thouseinds reerest and cut years off your rnortgoge with paelless 'Tree and Clear pokonly acceleration Our Getting the Mortgage Monkey Oft Your Bock- tells oil Send a long stomped envelope and $2 to cover costs to Don Campbell PO Box Summer Special! WHY RENT? WHEN BUYING IS $O EASY! at the 3945 Storage Co Inc But admittedly whichever route you follow depends largely on personal philosophy and what you feel comfortable doing --74 RIGHT PRICE! MAINE RICE Choice Lots Available 534-867- (Need an Expert) 1997 E FOREST CREEK LK (7710 S) tutor slyle 2 5 story barms 4 balks solid 3 acre lotsecluaoak doors ea 8199900 MOUNTAIN STATES 15 years - Front to back splits We've got the home for you The Service Guide Ads OPEN We might not be the CHEAPEST but we are SUPERIOR movers! AT financial Ads and Lenders Corner am OPEN FREE ESTIMATE month in principal and interest (but get this only $4 more a month than the man making the 10 percent down payment and assuming the $63000 mortgage is paying) and at the end of 15 years he would own his home free and clear and would have paid his lender $92474 LESS in interest At that point with no mortgage indebtedness any tax savings he may have forfeited will be more than offset by his ability to save and invest with a vengeance during that second i4k-- Ramblers Wow! Full Call us for 4407 7650 South 7th East (3400 $) OPEN 12:00 4:00 Moving Better Homes BROKEN RIDGE Classified Real Estate Ads MA Protected Storage Local or Long Distance Overseas 12-- ILA 848900 $70000 m Clean 3-- 7 i & Sun Real Estate News Call Rex Courteous Experienced Professional Personnel tincs trira 1)(11 I Frra 1:2611111ILA 11 ILI 1 -- CIL SOVEREIGN COLLECTION of HOMES 8 600 41 b vs Olt IL IL) P WESTERN FARM CREDIT BANK Movini Mrid-Clas- s ITO 13i 4' 1-- 6400 West 3940 So 4663 acres southwest of Richmond 27 shares of Richmond Irrigation Company 25000 11 CI IL no-n- & Open Daily Mon-Fr- - Attasyan Linesikk Agent Sales Office today Sat - Its 11 crch o 7121-t- SA-- 01 down payment you'll have a full $10000 MORE equity in it — in all $23137 What about acceleration? It's a o to a lot of advisers but not to me Let's take a look at the man paying 10 percent down At the end of 30 years he'll have paid the lender $144432 in interest on that original mortgage of $63000 Now what if the man paying 25 percent down and taking on the $52500 mortgage were to pay it off in say 15 years? It would cost him about $100 more a 1999 acres between Richmond and Trenton 14 shares of Cub River Irrigation Company move sprinklers $150000 LET d'a ATLASL TAKE YOU HOME® 2140 East 8600 South 11 111-4- NEW EXECUTIVE HOMES — raft— to $130000 Visit our V dollar-for-dolla- -- Up EL tax than the home buyer who paid only 10 percent down But in the first year alone this is going to be clearly offset by the fact you are pay ing the lender about $1100 LESS in interest by making the higher down payment Look at it this way too: at the end of 10 years how much equity will you have in the home compared to the equity the home buyer who put 10 percent down has? Well with a 10 percent down payment the equity in this $70000 home is $13179 after 10 years But with a 25 percent Tommentamsso a ::: r 1111 1111 1LT et 1" 1 ty 1111b percent are you better off paying 10 percent down or 25 percent down? With 10 percent down you're financing a $63000 mortgage and facing monthly payments of $57630 a month With 25 percent down you're financing a $52500 mortgage and paying $48223 a month — $9407 a month less Sure you can't ignore the tax impact but the harsh reality of it is that with a you are going to be many years into it before this becomes a major factor and by then you've saved more than enough in interest to offset it I think there's a tendency too to confuse tax deductibility with a tax CREDIT A tax r reduccredit is a tion in the amount you owe Uncle Sam The tax deductibility simply excuses certain income from taxation And if you're in the 28 percent bracket it means that 28 percent of your interest is so excused — but it leaves a fat 72 percent of the cost coming right out of your old pocket So by virtue of paying less mortgage interest you are indeed goran ing to be paying a bit more in "wrong" Prices start in the 80's!! -- 1-- 1111 Don Campbell mmanum t - dtls drb UT Architect perHighland fection contemp 3 bdrms 2 acres stables artist dream' Perfect! $230000 Georgia or Peggy 5615234 Fabulous Contemporary Emigration Goya Completely redone gourment kitchen huge redwood deck totally secluded S325k Rhoor Barbara 484- da 2508 in Salt Lake Country Club Right on course Handsome twin home over 6200 sq ft vaulted cells views 4 bed Reduced $399900 464- Barbara 2508 or Ann Nothing like It in SLC! Right Out of Architecture Digest 2 bedroom 2 bath in Tall Oaks Art deco detail' or $599000 Jodie Linde QIY2241(Wil 688 |