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All agents are NOT alike! Find out why we are top real estate experts. Call: 314-249-0025. One thing to remember: when we LIST & SELL, we do it for 3%
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Hi and welcome to our easy to navigate, client friendly website for St Louis Real Estate. It's filled up with up-to-date content and valuable tools and information to equip you with making sound real estate choices. We advise your to use our site as an information center to broaden your knowledge in buying and selling your home. You will find that www.MySaintLouisHome.com is unique in many ways since we built it for you, with all of your custom needs in mind.
 Buyers - If you're you looking for home, make sure to check out our Feature Homes or search all local listings for the St Louis City and St Louis County area. Signing up for these features enables you to receive new property listings as soon as they pop up on the market!
Also, search everything the web has to offer, right here! Make sure to check out our Community section where you will learn a great deal about the St Louis community - and with lots of great links!
Sellers - If you consider selling any time, you should find out Why List with Goran & Vera Brnjic. Learn more about our Top Notch selling and marketing tactics to help you get your home sold FAST and for top dollar! Learn more about our listing specializations including enhanced listings on Realtor.com, TV advertising, beautiful luxury flyers and other great websites and partners. We are online marketing specialists and our listings are literally everywhere on the internet!
And...there's more! When we LIST & SELL, we do it for 3%! So, no double commission when we sell it ourselves.
We have so many nice offers available for Buyers and Sellers -- check out our FREE PC Presentations above and our Great Offers section!
So, contact us with confidence! Learn why we are TOP Experts in our area. All website services are free and without obligation. We are committed to ensuring you have what you need to buy or sell your next home and giving YOU the flexibility and competitive edge on the market.
Together, we will sell your home, for as much as the market will bear, and as quickly as possible, with the most savings for you!
 Having a friend in real estate business is a good thing. Having more than a friend - someone you can rely on - is even better. For many years now, we've been more than friends to our clients. We'll be there for you too!
Warm regards,
Goran & Vera
Dream Home Realty 
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First Time Buyers >The Down Payment
Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.
If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.
When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.
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| Q |
What Newport, Rhode Island mansion was built as a birthday present and incorporates 500,000 cubic feet of white marble?
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| A |
The Vanderbilt Marble House was constructed by railroad baron William K. Vanderbilt for his wife Alva, who later divorced him, remarried and moved into a mansion down the street. |
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Goran & Vera Brnjic, GRI
Dream Home Realty
Goran: 314-753-0030
Vera: 314-249-0025
Office: 314-352-0804
Fax: 314-352-6212
Email: Brnjics@NUMBER1EXPERT.com
Your largest investment for you and your family deserves the best.
When you put us to work, you can count on honest business relationship, open lines of communication and a firm commitment to help you realize your dream to your satisfaction. With us at your side, you will get an exceptional service throughout the entire buying and selling process. Please feel free to call us for a complementary consultation. No obligation, off course. We look forward to further explain you how our services would be outmost beneficial in achieving your real estate goals.
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