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This Site Maintained by  Jerry D Ousley     Jerry Ousley Webs
Home Buying Articles & Advice

HOMEOWNERS INSURANCE

 

Homeowner’s Insurance Basics

How Much Does Homeowners Insurance Cost?

Homeowners Insurance and Your Credit Score

Homeowners Insurance for Condos

 

DON'T BUY A CAR - OR DID YOU ALREADY BUY ONE?

 

When Income Grows and You Want to Buy “Stuff

Debt-to-Income Ratios and Car Payments

How Buying a Car Reduces Your Purchase Price

 

THINGS NOT TO DO BEFORE BUYING A HOME

 

No Major Purchases of Any Kind

Don’t Move Money Around

Should You Change Jobs?

Reasons to Delay Buying a Home

 

WHEN BUYING A HOME IS A GOOD IDEA

 

The Best Investment

Income Tax Savings

Stable Monthly Housing Costs

Forced Savings

Freedom and Individuality

The Business Cycle and Buying a Home

Looking Ahead – Buyer’s Remorse

Buyer’s Remorse – Did You Make a Huge Mistake?

 

WHY SEARCH FOR A REALTOR?

 

Finding an 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

When the 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

House Size

Bedrooms & Bathrooms

Closets, Garage & Laundry

Kitchen

Fireplaces

Swimming Pool?

 

COMPARABLE SALES AND YOUR OFFER PRICE

 

Determining Your Offer Price

Comparable Sales in the Public Record

Comparable Sales in the Multiple Listing Service

Comparable Sales – Pending Transactions

 

OFFERING TO PURCHASE REAL ESTATE - THE BASICS

 

Introduction and Overview

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

Final Walk-Through Inspection

 

HOW FINANCING DETAILS AFFECT YOUR OFFER

 

Down Payment

Interest Rate

Closing Costs and Financing Incentives

Seller Financing

Cash Offers

 

HOW FHA AND VA FINANCING AFFECTS YOUR OFFER

 

Extra Costs for the Seller

More Detailed (and expensive) Appraisals

 

YOU AND THE SELLER MUST AGREE ON SOME SERVICES

 

Settlement and Escrow

Title Insurance Companies

Termite and Pest Inspections

Home

My Testimony

Buyers

Sellers

Community

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TANYE PEDIGO LANGLEY
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Tanye Pedigo Langley Real Estate Inc
304
S Chestnut Street
Seymour IN  47274
 
Phone 812-524-7000
Fax 812-524-7220