5 Reasons You Should Own Your Own Home 3


The home is yours. You can decorate any way you want and you will benefit from your investment for as long as you own the home.


Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity in your home.


Unlike rent, your fixed-rate mortgage payments don’t go up over the years. However, keep in mind that property taxes and insurance costs will rise.

You no longer need a big down payment

Historically, it was customary to make a down payment of 20% of the home’s sale price, which prevented many people from considering home ownership. Today, there are many affordable loan products that require little down.

It’s a good time to buy

In today’s market, the affordable housing prices, large inventories of homes available and low mortgage rates provide a great opportunity to many first time home buyers. (Don’t forget that first time home buyers may also be eligible for a $8,000 tax credit!) Buy before the end of the year and take advantage of the 3% minimum down payment.

Call me today to find out how you too can become a home owner!

Colleen Kulikowski
(716) 650-0051

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About Colleen Kulikowski, Associate Real Estate Broker (716) 650-0051

Colleen Kulikowski is an Associate Real Estate Broker with J. Philip Real Estate specializing in Western New York residential homes who doesn’t follow trends; she blazes new trails and is able to recognize industry trends and implement them to her client’s best interest. Colleen has created a unique following with one of the top local internet positions in the country generating thousands of leads for her team. Real Estate is a second career for Kulikowski who’s first career was in Information Technology and Data Warehousing working for such companies as Radio City Music Hall, Nabisco Foods and as a consultant in the Financial and Insurance industries. A strong background in technology and management provides her with keen analytical and sharp negotiating skills.

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