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Your mortgage payment will likely be cut in half. Of course, this is a pretty attractive first benefit for most home owners. To compound the effectiveness of selecting the 1% minimum payment you should save what you save. For instance, letÆs say you refinanced your home with a 1% mortgage loan, paid off all your credit cards, and reduced your monthly payment by $1,000 a month. Now, if you save that $1,000 a month for yourself instead of giving it to your creditors, you will have $60,000 in cash at the end of five years - And thatÆs with a zero percent return. HereÆs the second benefit to selecting the 1% minimum payment option: Tax savings. If you make an interest only payment your mortgage balance will stay the same. If you make a 1% minimum payment you are actually paying less than interest only. Therefore, you are creating deferred interest which makes your mortgage balance increase each month. Before you freak out, keep in mind that deferred interest is mortgage interest and is therefore tax deductible. LetÆs say your home is going up in value $2,000 a month. The 1% mortgage loan will allow you to take a small piece of that appreciation, say $500 a month, and turn it into a tax deduction. So you are taking a small piece of your equity each month and turning it into a tax deduction. If you did not do this, all of your appreciation would be locked up in equity. Equity is terrific and is certainly one of the many benefits to home ownership. But investing in equity will get you a zero percent return. No one is going to cut you a check each month for the equity in your home. As a matter of fact, if you wanted to get the equity out of your home you would have to sell your home or get a loan. And you better qualify or you will not be able to get a loan. So why not take a small piece of your equity each month, turn it into a tax deduction, and at the same time save $1,000 a month for your self? You will still have plenty of equity but with a 1% mortgage loan you will have cash AND equity. If you do this for any length of time you will come out way further ahead financially than if you did a regular 30 year fixed or an interest only mortgage loan. By the way, if the deferred interest is a concern, try making bi-weekly payments. Making a bi-weekly payment will reduce, and in some cases eliminate the deferred interest all together. Which means your mortgage balance would not increase. How to set the loan up correctly: 1) The 1% payment option on these

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