Redwood City, Palo Alto and Woodside real estate and homes for sale in California - Paymon Ghafouri, REALTOR® Paymon Ghafouri REALTOR(r) for Redwood City, Palo Alto and Woodside, California real estate - NUMBER1EXPERT™ Paymon Ghafouri NUMBER1EXPERT(tm) for Redwood City, Palo Alto and Woodside, California real estate
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Paymon Ghafouri, REALTOR®, real estate agent and broker for Redwood City, Palo Alto and Woodside California home listings, property and land for sale - NUMBER1EXPERT(tm)







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All agents are NOT alike! Find out why I am a top real estate expert in the peninsula. Call me direct: 650-683-0388.


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Mortgage Prequalification: Redwood City, Palo Alto and Woodside California home buying, real estate listings, and homes for sale in San Mateo County, CA
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Redwood City, Palo Alto and Woodside real estate agent to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation... 

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Real Estate Tips
Tax Considerations >Tax Rewards for Homeowners

The Federal Tax Code has significantly improved the American taxpayer's ability to profit by selling a principal residence. Prior to 1997, homeowners could take advantage of a tax benefit termed the "rollover", which granted exemption from capital gains taxes on the net profit from the sale of a home. Homeowners who used profits to purchase a bigger and better home did not have to pay tax. And homeowners over the age of 55 were given a once-in-a-lifetime exclusion from taxes on profits of up to $125,000 on the sale of their principal residence.

Compare those tax breaks with our current, streamlined and potentially more profitable arrangement that replaced both the rollover and the one-time exemption. If you are a married home-seller filing jointly, you may enjoy up to $500,000 in tax-free home sale profits, provided you have occupied the property as your principal residence during two of the last five years. Taxpayers who file singly get a $250,000 capital gains exclusion. Homeowners are eligible to exclude capital gains on the sale of a principal residence as often as once every two years.

The law allows capital gain exclusions whether you "buy up" to a more expensive home or "buy down" to a less expensive one. The tax-free dollars can be used in any way you want. Consult your tax advisor for detailed advice about your particular circumstance.

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Real Estate Trivia
Q 
What is considered the world's tallest building?

A 
The 185-story CN Tower in Toronto, Canada is the world's tallest free-standing building, rising to 1,815 feet.
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Paymon Ghafouri, REALTOR®, real estate agent and broker for Redwood City, Palo Alto and Woodside California home listings, property and land for sale - NUMBER1EXPERT(tm)

Paymon Ghafouri
ALAIN PINEL REALTORS

578 University Avenue
Palo Alto, CA 94301
Office: 877-7Paymon (772-9666)
Direct: 888-4 Paymon (472-9666)
Fax: 888-9 Paymon (972-9666)
Email: Paymon@PaymonsHome.com

Paymon Ghafouri has always looked at things differently. A successful entrepreneur and leading real estate professional, he’ll tell you perspective is everything when it comes to achieving new heights of success. He firmly believes that when you seek creative solutions and apply knowledge gained through experience, there’s no limit to what you can achieve.

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