We are here for all your real estate and financial concerns
When you are in the decision process of buying or selling a home, TPI should be your first phone call. Our Real Estate and Mortgage Teams can help you determine what you can afford, what your home is worth, and pre-approve you for your mortgage package.
Our Tax and Financial Teams are available for consultation on your tax advantages, your credit score, and your investment strategies that may help you with your real estate choices. As a client of TPI, our consultation is always free. We are here to help you find solutions, so don’t hesitate to ask!

Our agents live and work in your community
TPI Real Estate has agents working in our office and out in the field. We partner
with only the top agents to allow you the widest range of options when making your real estate decisions.

Our clients frequently ask:
When is the best time to sell a home?
The best time to sell is when you are ready, or when you must. Perhaps your marital status has changed or you are relocating for a job. Market conditions and seasons do play a role. Contact your TPI Real Estate representative for more information on buying and selling property in today’s market.

How much can I afford?
The general rule of thumb is that you can buy a home that costs about two-and-one-half times your annual salary. Our Mortgage Team can help you determine how much you can afford and estimate the maximum monthly payment based on the loan amount, taxes, insurance, and other expenses. You can also use our mortgage calculators and apply online at www.TPIGroupInc.com.

“I found the house, but I don’t have a down payment.”
Don’t worry! There are many options if you don’t have the down payment readily available. TPI Mortgage has interest only and 100% financing options. Our staff of tax and financial consultants may be able to help you save money in other places that will allow you to finance a home!

The advantages of buying a home
So, you’ve decided to buy a home? Congratulations! With the thought of home ownership comes a whole list of concerns and questions, along with advice from everyone around you who has a house! As a company with experts in real estate, mortgages, title, financial planning, and taxes, we are a beneficial resource in your planning stages!

Tax advantages of owning real estate
Home ownership has its advantages. You are the controller of your own living space. In today’s market, you can likely expect a build-up of equity from the appreciation of your property over time. Equity can be used to help put your children through college, purchase a second home or investment property, or make improvements on your current property. If you get a fixed-rate home mortgage loan, you can also invest more wisely knowing your monthly mortgage payment will not change.

One of the best advantages (and our tax department’s personal favorite) is that the mortgage interest paid on a home loan is tax deductible! And, there’s more:

What you can deduct when buying

• Points paid to purchase home loan
• Fees added to cost basis
• HOA fees
• MCC (Mortgage Credit Certificate) for first time home buyers
• Property taxes
• Mortgage interest

What you can deduct when selling:

• Capital Gains (IRS sec. 1031 Exchange)
• Selling costs
• Home Improvement costs can be added to cost basis
• Repairs to make home more saleable can be added to the cost basis