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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Cyndi Shurts and Donald E. Shurts Jr., a proven Kettering, Beavercreek, Springboro and Dayton, Ohio NUMBER1EXPERT™ Top Selling real estate agents.

  • Find Kettering, Beavercreek, Springboro and Dayton Homes - Find Kettering, Beavercreek, Springboro and Dayton, Ohio real estate listings & homes for sale provided by Cyndi Shurts and Donald E. Shurts Jr., your local expert real estate agents.

  • For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Cyndi Shurts and Donald E. Shurts Jr., a proven Kettering, Beavercreek, Springboro and Dayton, Ohio NUMBER1EXPERT™ Top Selling real estate agents.

  • For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Cyndi Shurts and Donald E. Shurts Jr., a proven Kettering, Beavercreek, Springboro and Dayton, Ohio NUMBER1EXPERT™ Top Selling real estate agents.

  • Kettering, Beavercreek, Springboro and Dayton Information - Find local information on Kettering, Beavercreek, Springboro and Dayton, Ohio including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Cyndi Shurts and Donald E. Shurts Jr., a proven NUMBER1EXPERT™ Top Selling real estate agents.

  • Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Cyndi Shurts and Donald E. Shurts Jr., a proven Kettering, Beavercreek, Springboro and Dayton, Ohio NUMBER1EXPERT™ Top Selling real estate agents.

  • About Cyndi Shurts and Donald E. Shurts Jr. - Information about Cyndi Shurts and Donald E. Shurts Jr. including testimonials, guarantees, credentials, and contact information. Learn why Cyndi Shurts and Donald E. Shurts Jr. is a proven Kettering, Beavercreek, Springboro and Dayton, Ohio NUMBER1EXPERT™ Top Selling real estate agents.

 

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Real Estate Tips
Financing Your Home >Home Free

Conventional wisdom says, "Don't pay off your mortgage early." Are you foolish to consider an early payoff? Absolutely not! By adding just $50 to $100 to your mortgage payment every month, you can save thousands of dollars in interest, pay off your loan quicker, and eliminate a major monthly expense.

The argument usually given against paying off a mortgage early is that you can make investments with your extra cash, such as mutual funds, stocks or bonds, which pay higher returns. This approach enables you to take the mortgage interest deduction and have easy access to your money, in case you need it. These are all definite pluses, but are not guaranteed savings results.

Any extra income which an investment might generate above your home equity appreciation can be offset by a bad year in the investment market. Investment earnings can virtually eliminate the income tax advantage of your mortgage interest deduction, since stocks and bonds are likely to generate a fair amount of dividends, interest income and capital gains.

It isn't as simple as conventional wisdom--consult a financial expert.

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Real Estate Trivia
Q 
What Newport, Rhode Island mansion was built as a birthday present and incorporates 500,000 cubic feet of white marble?

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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Cyndi Shurts and Donald E. Shurts Jr., REALTOR®, real estate agents and broker for Kettering, Beavercreek, Springboro and Dayton, Ohio home listings, property and land for sale - NUMBER1EXPERT(tm)

Cyndi Shurts and Donald E. Shurts Jr.
RE/MAX VICTORY

51 Plum St., suite 220
Beavercreek, OH 45440
Toll Free: 1-888-278-0295
Cyndi's Direct : 937-604-5194
Don's Direct: 937-241-2124
Toll Free Fax: 1-888-602-8133
Don's Email: Don@WelcomeHomeDayton.com
Cyndi's Email: Cyndi@WelcomeHomeDayton.com

The Welcome Home Team GIVES YOU MORE than you expect! Cyndi and Donald Shurts are members of the National Association of Realtors (NAR),Ohio Association of Realtors, and the Dayton Area Board of Realtors. The Welcome Home Team is distinguished with several awards - Bronze Sales Award, Brass Sales Award, Dayton Area Board of REALTORS Sales Leader Club's Award of Achievement, and Real Living's National Rising Star Award. Don & Cyndi's experience, reputation, and expertise can SAVE you TIME & MONEY in buying or selling a home.

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