Today's homebuyer has more financing options than have ever been available before. From traditional mortgages to adjustable-rate and hybrid loans, there are financing packages designed to meet the needs of virtually anyone. But not every loan is right for you. At Sage Capital Mortgage, our mortgage professionals will help you find the one that best fits your needs.

• Tax Benefits for Homeowners
• Time as a Factor in Your Loan Choice
• Types of Loans
• Mistakes Homebuyers Make

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Generally, home mortgage interest is any interest you pay on a loan secured by your home (main home or a second home). The loan may be a mortgage to buy your home, a second mortgage, a line of credit, or a home equity loan. In most cases you will be able to deduct all of your home mortgage interest. (See www.irs.gov - Publication 936 for more information)

Home Office
You may deduct expenses related to the business use of part of your home.
(See www.irs.gov - Publication 587 for more information)

Moving Expense
Deduction of certain moving expenses is permissible under certain conditions.
(See www.irs.gov - Publication 521 for more information)

Property Taxes
Deductible real estate taxes are generally any state, local, or foreign taxes on real property. You can deduct real estate taxes imposed on you. You must have paid them either at settlement or closing, or to a taxing authority (either directly or through an escrow account) during the year. (See www.irs.gov - Topic 503 for more information)

Mortgage Tax Credit
The mortgage interest credit is intended to help lower-income individuals afford home ownership. If you qualify, you can claim the credit each year for part of the home mortgage interest you pay. (See www.irs.gov - Publication 530)

Home Mortgage Points
The term "points" is used to describe certain charges paid to obtain a home mortgage. Points may be deductible as home mortgage interest, if you itemize deductions. If you can deduct all of the interest on your mortgages, you may be able to deduct all of the points paid on the mortgage. For information on deducting iterest, refer to www.iris.gov - Topic 504.