9781599180359

Why Rent? Own Your Own Dream Home!

by
  • ISBN13:

    9781599180359

  • ISBN10:

    1599180359

  • Edition: 1st
  • Format: Paperback
  • Copyright: 10/10/2006
  • Publisher: Entrepreneur Press

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Summary

Your Dreams Can Come TrueYou CAN Buy Your Own HomeDo you throw away money on rent month after month? Is your only hope of making a profit on your home getting your security deposit back after your lease runs out? Don't waste your hard-earned dollars paying your landlord's mortgage. With these strategies from experts in real estate, personal finance, taxes and mortgages, you can afford to buy your own home!In just three hours, learn how to: Raise the money for a down payment Organize your personal finances so you can meet mortgage payments Choose the mortgage type that's best for your financial situation Discover your ideal home based on your budget and lifestyleTake the first step toward financial freedom-homeownership. Get the inside story on how to stop paying your landlord's mortgage and buy your own first home.

Table of Contents

Introduction vii
Are You Ready to Become a Homeowner?
1(26)
Are You Ready to Buy a Home?
2(5)
Review Your Credit Reports and Obtain Your Credit Score
7(9)
Benefits of Homeownership over Renting
16(2)
Forming Your Home-Buying Team
18(2)
Planning for Your Future
20(2)
The Steps Leading to Homeownership
22(5)
Prequalifying for a Mortgage
27(22)
Why Prequalify for a Mortgage?
28(2)
Finding a Mortgage Broker or Lender
30(7)
Choosing Your Lender or Broker
37(3)
Prequalification vs. Preapproval
40(2)
The Prequalification Process
42(5)
You're Prequalified--Now What?
47(2)
Mortgage Mania
49(44)
Choose the Right Mortgage Product for Your Needs
50(3)
Meet Mortgage Consultant Mark Giordani
53(15)
Prime vs. Sub-Prime Credit History
68(1)
15-, 20-, and 30-Year Fixed-Rate Mortgages
69(3)
Adjustable-Rate Mortgage (ARM)
72(3)
Balloon Mortgage
75(1)
Biweekly Mortgage (aka Two-Step Mortgage)
76(2)
More Mortgage Options for People with Less-Than-Perfect Credit
78(5)
FHA Loans
83(2)
Interest-Only Mortgage
85(3)
VA Loans
88(1)
Assumable Loans
89(3)
Finding Your Dream Home
92(1)
Finding the Perfect Home
93(34)
Working with a Real Estate Agent
96(4)
Creating a Home Tour Checklist
100(2)
Questions to Ask a Real Estate Agent
102(1)
Meet Thomas Stevens, President, National Association of Realtors
103(9)
Alternative Methods for Finding Your Dream Home
112(1)
Real Estate Web Sites Worth Checking Out
113(6)
Deciding Where You'll Live
119(2)
Other Things to Consider When Choosing Your Dream Home
121(4)
Determining Your Personal Needs
125(1)
You've Found Your Dream Home--Now What?
126(1)
Why Rent? Own Your Dream Home!
Making an Offer on Your Dream Home
127(20)
Discovering the Value of the Home
128(1)
Make a Formal Offer to the Seller
129(4)
Start by Evaluating the Seller's Asking Price
133(1)
Get the Home Appraised and Inspected Early On
134(3)
Advice from a Professional Home Inspector
137(6)
Negotiating Your Best Price
143(3)
You've Agreed on a Price--Now What?
146(1)
The Purchase and Sale Agreement
147(12)
What Is a Purchase and Sale Agreement?
148(1)
The P&S Gets Packed with Important Information
149(3)
Protect Your Investment with Insurance
152(6)
It's Time for Your Closing!
158(1)
The Closing: Congratulations! You're Almost a Homeowner
159(16)
What Is a Closing?
161(2)
Be Prepared at the Closing
163(1)
Fees Associated with the Closing
164(3)
Navigating Through Piles and Piles of Paperwork
167(3)
Closing-Related Mistakes to Avoid
170(4)
Congratulations, You Are a Homeowner!
174(1)
Planning Your Move
175(24)
Contacting Your Current Landlord
177(1)
Ten Tips for Packing up Your Stuff
178(2)
Hiring a Mover or Renting a Moving Truck
180(8)
Packing Supplies Checklist
188(3)
Contacting Your Utility Companies
191(4)
Get Ready for Moving Day
195(4)
Appendix A Web Site Directory 199(5)
Appendix B Glossary 204(13)
Index 217

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