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Book Categories |
Preface | ix | |
Chapter 1 | Starting Your Homebuying | 1 |
What Must You Have in Order to Buy? | 2 | |
Shelter Two Ways: Income Tax | 2 | |
How Equity Builds | 3 | |
If You Wait | 6 | |
Chapter 2 | You and the Broker | 9 |
Law of Agency | 10 | |
So Where Do You Stand? | 11 | |
How to Protect Yourself | 12 | |
Buyers' Brokers | 13 | |
Buying a New Home | 14 | |
Discount and FSBO Brokers | 16 | |
Pure For Sale by Owner Properties | 17 | |
Yet Other Arrangements | 19 | |
Chapter 3 | Choosing an Agent | 21 |
Tests to Apply | 22 | |
Using a Lawyer | 24 | |
Escrow and Title Companies | 25 | |
What the Agent Does for You | 26 | |
Chapter 4 | What Can You Spend for Your Home? | 31 |
First List Your Income | 32 | |
Qualifying Ratios | 32 | |
How Much Will This Carry? | 36 | |
Chapter 5 | Costs of Home Ownership | 41 |
Escrowing Taxes and Insurance | 41 | |
About Insurance | 42 | |
Replacement versus Depreciated Value | 43 | |
About Taxes | 44 | |
Other Costs | 45 | |
Repairs versus Improvements | 45 | |
Risk of Overimproving | 47 | |
Chapter 6 | What Sort of Home? | 49 |
Keeping a Marriage Together through It All | 50 | |
Consider Traffic Patterns | 50 | |
A Brand-New House | 56 | |
Owning a Co-op, Condomium, or Town House | 59 | |
Manufactured Housing | 61 | |
Chapter 7 | Financing Your Home Purchase | 65 |
Broker Plans Strategy | 65 | |
Buying for All Cash | 65 | |
Buying with Nothing Down | 69 | |
Picking a Mortgage | 70 | |
Mortgagor and Mortgagee | 71 | |
Portfolio Loans | 71 | |
The Secondary Market | 72 | |
Other Lenders | 72 | |
So What Are Points? | 74 | |
Annual Percentage Rate | 75 | |
Conventional Mortgages | 77 | |
Understanding Adjustable-Rate Mortgages | 77 | |
30 or 15 Years | 82 | |
Biweekly Mortgages | 83 | |
FHA Mortgages | 83 | |
VA Is for Veterans | 85 | |
Farmers Home Administration (FmHA) | 87 | |
Assumable Mortgages | 87 | |
Private Mortgages | 89 | |
Land Contracts and Lease Options | 89 | |
Balloon Mortgages | 90 | |
Building Your Own Home | 91 | |
In-House and Preferred Builder Mortgage Companies | 91 | |
A Note on Mortgage Preapproval | 92 | |
Chapter 8 | House Hunting | 95 |
Where Are the Bargains? | 98 | |
More Bargain Situations | 99 | |
Location, Location, Location | 101 | |
Choosing a Neighborhood | 102 | |
Using the Internet | 103 | |
Looking Over an Older Home | 103 | |
Building Inspection Engineers | 110 | |
Check Taxes | 110 | |
What Else? | 111 | |
Open Houses | 111 | |
Stay in Touch with Your Agent | 112 | |
Looking at New Homes | 112 | |
Chapter 9 | Buying Investment Property | 115 |
Getting Started | 116 | |
How Leverage Works | 118 | |
Analyzing Your First Investment | 118 | |
Financing Investment Property | 120 | |
Risk and Decision | 121 | |
Chapter 10 | Arriving at a Contract | 123 |
The Written Offer | 124 | |
First Decision: Purchase Price | 125 | |
Look for Comparables | 126 | |
Allow for Contingencies | 127 | |
Personal Property versus Real Estate | 129 | |
What Else in Your Offer? | 130 | |
Earnest Money | 132 | |
Legal Provisions | 133 | |
Final Jitters | 133 | |
Negotiation--The Tennis Game | 133 | |
Buyer's Remorse | 135 | |
Chapter 11 | Your Mortgage Application | 141 |
Assets | 144 | |
Income to Qualify | 144 | |
Debts | 145 | |
Credit History | 146 | |
After the Application | 147 | |
Chapter 12 | Buying Your Home at Last | 149 |
Forms of Joint Ownership | 150 | |
That Clod of Earth--The Deed | 150 | |
What to Do before Closing | 153 | |
Closing a New Home Purchase | 154 | |
What Happens at Closing? | 156 | |
Long Distance Closings | 156 | |
Holding Proceeds in Escrow | 157 | |
Adjustments and Prorations | 157 | |
A Word about the Power of the Cyber World | 158 | |
Passing Papers | 158 | |
Appendix A | Monthly Payment Tables | 165 |
Appendix B | Remaining Principal Balance | 181 |
Appendix C | EPA Lead Paint Disclosure Brochure | 197 |
Appendix D | Helpful Web Sites for Homebuyers | 213 |
Glossary | 215 | |
Index | 223 |
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Add Homebuyer's Kit, An up-to-date primer to use when looking to buy a home, new or used, The Homebuyer's Kit offers down-to-earth advice and commonsense strategies from two of the nation's leading real estate experts. Despite the bells and whistles of online tours and e-loan, Homebuyer's Kit to the inventory that you are selling on WonderClubX
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Add Homebuyer's Kit, An up-to-date primer to use when looking to buy a home, new or used, The Homebuyer's Kit offers down-to-earth advice and commonsense strategies from two of the nation's leading real estate experts. Despite the bells and whistles of online tours and e-loan, Homebuyer's Kit to your collection on WonderClub |