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Lafayette is located amongst the East Bay hills, and is filled with lush tree-lined streets. The residential area surrounds downtown, which is home to smaller homes, apartments and a variety of specialty shops. Lafayette offers a quaint, small town atmosphere, with a variety of recreational activities along with access to urban amenities. Downtown Lafayette offers a large variety of excellent shops, restaurants, entertainment, and specialty stores. Lafayette has been diligent in maintaining the areas natural surroundings. Exhibited by the beautiful neighborhoods and the abundance of lush trees.  Orinda is located just east of Oakland and 30 minutes outside of downtown San Francisco. Orinda is in southwest Contra Costa County, California. It was incorporated as a City in 1985, after more than 100 years of consistently growing development. Orinda is one of the most beautiful cities in Contra Costa County, and is the proud host of the California Shakespeare Festival. The City of Orinda is a family community that offers its 17,000 residents a quiet setting in contrast to the more urban surrounding areas. The wooded hillsides of the 12.8 square-mile City contribute to Orinda's picturesque beauty. Natural beauty, excellent schools, safety, history, culture, serenity and its proximity to major San Francisco Bay locations and activities make Orinda a delightful place in to live, visit, and shop.
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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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| Q |
What price range is considered upscale or high-end in residential real estate?
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| A |
The price range varies depending on the local market, but upscale homes are in the top 10% of an MLS area's annual home sales. |
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