Homeowner’s Insurance Basics
How Much Does Homeowners Insurance Cost?
Homeowners Insurance and Your Credit
Homeowners Insurance for Condos
DON'T BUY A CAR - OR DID YOU ALREADY BUY ONE?
When Income Grows and You Want to Buy
Debt-to-Income Ratios and Car Payments
How Buying a Car Reduces Your Purchase Price
THINGS NOT TO DO BEFORE BUYING A
No Major Purchases of Any Kind
Don’t Move Money Around
Should You Change Jobs?
Reasons to Delay Buying a Home
A HOME IS A GOOD IDEA
The Best Investment
Income Tax Savings
Stable Monthly Housing Costs
Freedom and Individuality
Cycle and Buying a Home
Looking Ahead – Buyer’s Remorse
Buyer’s Remorse – Did You Make a Huge Mistake?
WHY SEARCH FOR A REALTOR?
Agent by “Accident”
Listing Agents vs. Selling (Buyer’s) Agents
Should You Call the Listing Agent?
Agent’s Advertising – Is the Purpose
What You Think?
Finding Your Own Realtor
Some Basics About the Search
How to Conduct the Search
Interviewing A Good Realtor
Agent Asks You for an Appointment
BUYING A HOME WITH RESALE VALUE - LOCATION
Location, Location, Location?
Location – Local
Community, Town or City
Location – the Local Neighborhood
Location – the Residential Neighborhood
BUYING A HOME WITH RESALE VALUE
- THE HOUSE
A Home With a View?
Lot Choice and Landscaping
Bedrooms & Bathrooms
Closets, Garage & Laundry
COMPARABLE SALES AND YOUR OFFER PRICE
Determining Your Offer Price
Comparable Sales in the Public Record
Sales in the Multiple Listing Service
Comparable Sales – Pending Transactions
OFFERING TO PURCHASE REAL ESTATE - THE BASICS
Contingencies in a Purchase Offer
Earnest Money Deposit
The Closing Date
Transfer of Possession
WRITING AN OFFER
- SAFEGUARDS REGARDING THE PROPERTY
Disclosures From the Seller
Condition of the Property Upon Transfer
Inspections You May Require
HOW FINANCING DETAILS AFFECT YOUR OFFER
Closing Costs and Financing Incentives
HOW FHA AND VA FINANCING AFFECTS YOUR OFFER
Extra Costs for the Seller
More Detailed (and expensive)
YOU AND THE SELLER MUST AGREE ON SOME SERVICES
Settlement and Escrow
Title Insurance Companies
Termite and Pest