Buying a house and then figuring out what to do with it is working backward. Are you sure you know how much house you can afford?

CWA will help you take a fresh look at your household budget to determine how much you can spend on a mortgage each month.

Buying a home is the biggest financial investment most of us will ever make. As with any large project or goal, it requires dealing with a variety of complex issues.

Without the kind of coordinated planning CWA offers, it is almost impossible to familiarize yourself with all of the variables generally associated with financing a home, such as what mortgage is better, how to cut closing costs, interest rate policies, getting a loan for a second home, terms, points, fees, insurance, which home improvements pay off, what’s the return in your investment, renting or selling a home or apartment, etc.

Or, if you are interested in investment, there are several ways to invest in real estate. CWA will help you find out what these are, and to determine whether the contemplated transaction is right for you and consistent with your investment goals.

One of our purposes is to help you determine whether you should buy, sell, build or lease – and then help you through that process.

In the same way that you would expect your Physician to diagnose your situation, before offering a prescription or maybe even surgery, CWA would only make recommendations, once a thorough real estate property analysis has been completed. In this way, we will find out what your needs, objectives and goals are and design a plan that is compatible with your investment temperament that will achieve your desired results.

Have you considered what will happen with your home after you die?

A gift of real estate can be an attractive way to realize important tax and income benefits at the same time. You may be able to reduce significantly the amount of income, capital gain, and estate taxes you otherwise would have to pay. You also may be able to earn an income from your gift. Finally, the disposal of your property can relieve you of management worries.