9780910627702

The First Time Home Owners Handbook: A Complete Guide And Workbook for the First Time Home Buyer

by
  • ISBN13:

    9780910627702

  • ISBN10:

    0910627703

  • Edition: CD
  • Format: Paperback
  • Copyright: 2006-08-10
  • Publisher: Atlantic Pub Co

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Supplemental Materials

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  • The New copy of this book will include any supplemental materials advertised. Please check the title of the book to determine if it should include any access cards, study guides, lab manuals, CDs, etc.
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Summary

The procedure of buying a home can be a scary experience. There are a lot of people to deal with, from realtors to attorneys to bankers. Therers"s tons of paperwork with terms and vocabulary that read like a foreign language. In this new book you will find vital information and great strategies that will allow you to find your dream home faster and feel confident about the purchase. You will learn to avoid some of the most prevalent-and potentially dangerous and expensive-mistakes made by first-time home buyers.According to Money Magazine, "Over the past five years, home values nationally have risen 65 percent while the stock market has fallen." Now is the time to get into the real estate marketplace. With the help of this comprehensive new guide, you will learn how to find the best opportunities, negotiating, financing, budgets, needs and wants, credit reports, home-buying timeline, the process of building a house, manufactured homes, real estate and mortgage glossaries, setting values, home warranties, homeowners insurance, creative financing, buying with little or no money down, closing, moving plans, walk-throughs, closing and settlement inspections, legal contracts, mortgages, what you can afford, deciding which neighborhood to choose, hiring a realtor, which government agencies can help, considerations for veterans, IRA use, hiring an attorney, the offer, calculating monthly payments, and escrow. This comprehensive resource contains a wealth of modern tips and strategies for financing and closing on a property. The author shows readers how to find out how much theyrs"re really worth, how to uncover unknown assets, and how to enhance credit ratings within six months, provides information and suggestions on everything from no-down-payment mortgages to finding the right agent. It leads you down the path to home ownership, one step at a time. Though you may be relatively cash-poor or have a less-than-perfect credit rating, you can acquire a mortgage and find the house yours"ve always wanted.

Table of Contents

CHAPTER 1 WHY BUY A HOUSE? 17(12)
Your Finances
21(3)
Tax Advantages of Home Ownership
24(5)
CHAPTER 2 GETTING STARTED 29(18)
Finding the Best Real-Estate Professional For You
30(4)
The Budget
34(3)
How To Choose the House That Best Suits You
37(3)
Types of Properties in the Real Estate Market
40(7)
CHAPTER 3 YOU HAVE FOUND YOUR DREAM HOME 47(22)
Should You Hire An Attorney?
48(1)
Making the Best Offer
49(3)
Inspections
52(12)
Agreement Addendums and the Counteroffer
64(1)
The Appraisal
65(4)
CHAPTER 4 BUILDING YOUR OWN HOUSE 69(32)
Pros and Cons
70(1)
Finding Financing
71(1)
Hiring A Contractor and How Much It Costs
72(10)
The Cost of Building Your Own Home
82(6)
Where To Get Information
88(3)
Work Schedules
91(6)
Permits and Inspections
97(1)
Contingency Fund
98(3)
CHAPTER 5 UNDERSTANDING THE HOME BUYING PROCESS 101(22)
Escrow
101(2)
Title Company
103(12)
Homeowner's Insurance
115(3)
Your Rights As A Buyer
118(5)
CHAPTER 6 THE CREDIT REPORT 123(32)
What is a Credit Report?
123(3)
Improving Your Credit Score
126(4)
Improving Your FICO Score
130(2)
Fixing Your Credit Rating
132(5)
What Lenders Look At In Your Credit Report
137(1)
Why Credit Scoring Is Important
137(4)
Period of Record
141(1)
Consumer Credit Counseling Plans
142(1)
Your Assets and Savings
143(12)
CHAPTER 7 WHERE TO FIND THE BEST FINANCING 155(38)
The System
156(23)
VA Financing
179(9)
Using an IRA or Other Retirement Plan
188(5)
CHAPTER 8 THE CLOSING-A PRACTICAL VIEW 193(16)
Closing Costs and Title Fees (NonRecurring Fees)
195(4)
The Up-Front Costs (Recurring Charges)
199(2)
Calculating the Monthly Payments
201(2)
Types of Titles To Property
203(3)
The Closing
206(3)
CHAPTER 9 THE NEXT STEPS FOLLOWING THE PURCHASE OF YOUR HOME 209(10)
Moving In
209(1)
Rebuild Your Savings
210(2)
Mortgage Insurance
212(7)
APPENDIX A REAL ESTATE GLOSSARY 219(18)
APPENDIX B MORTGAGE GLOSSARY 237(10)
APPENDIX C CONTRACTS AND FORMS 247(39)
BIBLIOGRAPHY AND REFERENCES 286

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