| Part 1: Getting Started |
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1 | (68) |
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1 The Dream of Owning a dome |
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3 | (12) |
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The Great Things About Owning a Home |
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4 | (2) |
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The Flipside: Some of the Drawbacks of Owning a Home |
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6 | (2) |
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6 | (1) |
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When Buying a Home Might Not Be Right |
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7 | (1) |
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Facts About Buying a Home |
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8 | (2) |
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People You Work with When Buying a Home |
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10 | (1) |
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What to Expect When You Buy a Home |
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11 | (1) |
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What To Expect When You Sell Your Home |
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12 | (3) |
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2 How Much House Can You Afford? |
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15 | (18) |
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How Much You Make and How Much You Spend |
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16 | (2) |
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What If You're Self-Employed? |
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17 | (1) |
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Keeping Track of Your Income |
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17 | (1) |
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Keeping Track of Your Expenses |
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18 | (1) |
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How Much Money Can You Borrow |
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18 | (2) |
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Understanding Lender Ratios |
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What's Your Housing Ratio (a.k.a. Maximum Mortgage Payment)? |
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20 | (1) |
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Don't Forget Taxes and Insurance! |
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21 | (1) |
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Use This Example To "Get" This Concept |
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21 | (1) |
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22 | (2) |
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What Do You Need to Prequalify? |
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23 | (1) |
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Advantages and Drawbacks of Prequalifying |
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23 | (1) |
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Getting Preapproved for a Loan |
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24 | (1) |
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24 | (6) |
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25 | (1) |
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What's on Your Credit Report? |
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26 | (1) |
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What's a FICO Credit Score? |
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27 | (1) |
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Are You a Risky Creditor? |
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28 | (1) |
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Correcting a Mistake or Responding to Problems |
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28 | (1) |
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Strengthening Your Credit |
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29 | (1) |
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Dealing with a Bad Credit Report |
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30 | (1) |
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Before All the Numbers Make You Dizzy |
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30 | (3) |
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3 Understanding the Up-Front Costs of Buying a Home |
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33 | (10) |
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Everything You Need to Know About Down Payments |
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33 | (3) |
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How Much of a Down Payment Do You Need? |
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34 | (1) |
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Where Can You Get the Down Payment? |
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34 | (1) |
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What If You Don't Have Money for the Down Payment? |
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35 | (1) |
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When Do You Fork Over the Down Payment? |
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35 | (1) |
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Additional Costs You Pay When Buying a Home |
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36 | (5) |
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36 | (2) |
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Coughing Up Advance and Reserve Payments |
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38 | (1) |
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Paying Insurance on Your Mortgage |
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39 | (1) |
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40 | (1) |
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41 | (2) |
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4 Buying a Home with an Agent |
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43 | (16) |
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Understanding the Types of Agents |
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44 | (1) |
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44 | (1) |
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44 | (1) |
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45 | (1) |
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45 | (1) |
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Is the Agent Working for You or the Seller? |
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45 | (5) |
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46 | (3) |
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49 | (1) |
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50 | (1) |
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50 | (3) |
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Agents Can Navigate Financial Steps |
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50 | (1) |
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Agents Can Help Find the Right House |
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51 | (1) |
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Agents Can Help Negotiate and Close the Deal |
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52 | (1) |
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53 | (3) |
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53 | (1) |
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Putting an Agent to the Test |
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54 | (2) |
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56 | (1) |
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Working with "For Sale by Owner" Homes |
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56 | (3) |
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5 Selecting a Mortgage Lender |
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59 | (10) |
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Types of Lenders and Why They Matter |
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60 | (2) |
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Understanding the Secondary Loan Market |
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61 | (1) |
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61 | (1) |
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Portfolio and Jumbo Loans |
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61 | (1) |
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Where Can You Find a Lender? |
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62 | (3) |
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Using Your Agent to Find a Lender |
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63 | (1) |
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Reviewing a Mortgage Advertisement |
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63 | (1) |
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Using the Internet to Find a Lender |
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64 | (1) |
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65 | (4) |
| Part 2: Choosing the Home for You |
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69 | (82) |
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6 Deciding Where You Want to Live |
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71 | (10) |
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Where Do You Want to Live? |
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71 | (5) |
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Home to Stay, or Home to Resell? |
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72 | (1) |
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What Is Your Job Situation? |
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72 | (1) |
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What Are Your Family's Needs? |
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73 | (1) |
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What Are the Schools Like? |
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73 | (1) |
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74 | (1) |
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75 | (1) |
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75 | (1) |
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75 | (1) |
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Sources of Community and Neighborhood Information |
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76 | (2) |
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Checking Out the Community |
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76 | (1) |
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77 | (1) |
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Doing Your Own Neighborhood Assessment |
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77 | (1) |
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Finding New Home Communities |
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78 | (3) |
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7 Defining Your Dream Nome |
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81 | (14) |
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Rule #1, Keep an Open Mind |
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81 | (1) |
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What Style of Home Suits You? |
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82 | (1) |
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82 | (1) |
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What Is the House Made Of |
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83 | (1) |
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Existing Home vs. New Home |
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83 | (1) |
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The Benefits of an Existing Home (or the Drawbacks of a New Home) |
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83 | (1) |
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The Drawbacks of an Existing Home (or the Benefits of a New Home) |
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84 | (1) |
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Touring the Interior of the House |
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84 | (4) |
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85 | (1) |
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85 | (1) |
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85 | (1) |
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Looking at the Family/Living/Great Rooms |
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86 | (1) |
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Do You Need a Home Office? |
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86 | (1) |
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What About Storage? Attics and Basements |
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86 | (1) |
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What About More Storage? Closets |
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87 | (1) |
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Still Need Storage? Garages |
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87 | (1) |
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Inspecting the Exterior of the House |
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88 | (3) |
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89 | (1) |
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Heating an Cooling Systems |
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89 | (1) |
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90 | (1) |
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Extra Goodies Like a Pool |
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90 | (1) |
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Summing Up Your Dream House Wish List |
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91 | (4) |
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8 Now to Find Your New Home |
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95 | (10) |
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When Is the Best Time to Buy a Home? |
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95 | (3) |
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Buyer c Market vs. Seller's Market |
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96 | (1) |
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97 | (1) |
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98 | (4) |
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Drive Through Neighborhoods |
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98 | (1) |
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98 | (2) |
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100 | (1) |
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101 | (1) |
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Shop Auctions and Foreclosures |
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101 | (1) |
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Search Online Home Listings |
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102 | (3) |
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9 Buying an Existing Nome |
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105 | (12) |
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How the Home Tour(s) Work |
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106 | (1) |
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How Does the Home Measure Up? |
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107 | (4) |
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107 | (1) |
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Does the House Have Everything You Need? |
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107 | (2) |
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Can You Live in the House? |
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109 | (1) |
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If You Don't Like Something, Can You Change It? |
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110 | (1) |
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Is the House Well-Maintained? |
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111 | (2) |
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111 | (1) |
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111 | (2) |
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Check the Interior for Structure and Maintenance |
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113 | (1) |
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Evaluating the Neighborhood |
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113 | (2) |
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Define the Character of the Neighborhood |
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113 | (1) |
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114 | (1) |
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Your Home Comparison Checklist |
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115 | (2) |
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10 Buying Other Types of Homes |
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117 | (12) |
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What Other Home Types Are Available? |
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118 | (1) |
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118 | (5) |
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The Good (and Bad) Things About Condos |
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119 | (1) |
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The Condo Board Rules the Community! |
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120 | (1) |
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121 | (1) |
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122 | (1) |
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123 | (2) |
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123 | (1) |
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124 | (1) |
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Vacation Homes, Fixer-Uppers, and More |
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125 | (4) |
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125 | (1) |
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126 | (1) |
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127 | (2) |
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129 | (22) |
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Considering the Pluses and Minuses of Buying a New Home |
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130 | (1) |
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New Homes Are Great Because |
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130 | (1) |
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The Drawbacks of a New Home |
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130 | (1) |
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131 | (2) |
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Tract and Semi-Custom Homes |
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131 | (1) |
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132 | (1) |
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133 | (8) |
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134 | (1) |
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134 | (3) |
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137 | (2) |
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139 | (1) |
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140 | (1) |
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Understanding the Sales Contract |
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141 | (5) |
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141 | (1) |
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142 | (3) |
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145 | (1) |
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Including Home Extras in the Mortgage |
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146 | (1) |
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Getting a New Home Warranty |
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146 | (1) |
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Avoiding New Home Problems |
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147 | (4) |
| Part 3: Understanding Your Finance Options |
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151 | (64) |
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153 | (14) |
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154 | (1) |
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How Home Loan Lending Works |
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154 | (3) |
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What's the Interest Rate? |
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154 | (1) |
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Other Fees: Paying Loan Points |
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155 | (1) |
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How Long Do You Make Payments? |
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156 | (1) |
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Different Loans for Different Folks |
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157 | (3) |
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Fixed-Rate Mortgage Loans |
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157 | (1) |
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Adjustable-Rate Mortgage Loans |
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158 | (1) |
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158 | (1) |
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159 | (1) |
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Conforming vs. Nonconforming Loans |
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160 | (1) |
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160 | (1) |
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Your Loan May Require Mortgage Insurance |
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160 | (2) |
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Paying Mortgage insurance |
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161 | (1) |
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Canceling Mortgage insurance |
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161 | (1) |
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How to Decide on the Type of Financing |
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162 | (5) |
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How Much Can You Afford for a Down Payment? |
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163 | (1) |
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How Much Can You Afford for a Monthly Payment? |
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163 | (1) |
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How Long Will You Live in the Home? |
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164 | (1) |
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165 | (2) |
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167 | (8) |
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The Advantages of a Fixed-Rate Mortgage |
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168 | (1) |
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The Drawbacks of a Fixed-Rate Mortgage |
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168 | (1) |
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Interest and Points for Fixed-Rate Mortgages |
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169 | (1) |
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How Long Should You Pay on Your Fixed-Rate Loan? |
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170 | (1) |
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Thirty-Year vs. Fifteen-Year vs. Biweekly |
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170 | (1) |
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Is the Shorter Term Better? |
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171 | (1) |
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171 | (4) |
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14 Adjustable-Rate Mortgages |
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175 | (10) |
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The Pros and Cons of an Adjustable-Rate Mortgage |
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176 | (1) |
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The Good Things About an ARM |
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176 | (1) |
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The Bad Things About an ARM |
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176 | (1) |
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How an Adjustable-Rate Mortgage Works |
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177 | (3) |
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What You Pay At First: The initial or Teaser Rate |
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177 | (1) |
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How the Rate Is Figured: The Index |
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178 | (1) |
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The Lenders Cut: The Margin |
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178 | (1) |
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How Often Payments Change: The Adjustment Interval |
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179 | (1) |
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How High the Rate Can Co: The Rate Caps |
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179 | (1) |
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Negative Amortization and ARMs |
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180 | (1) |
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180 | (5) |
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What You Want (Ideally) in an ARM |
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180 | (2) |
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What You Should Ask When Shopping for an ARM |
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182 | (3) |
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Looking at the Worst-Case Scenario |
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15 Getting Other Types of Financing |
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185 | (12) |
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186 | (1) |
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Taking Over the Seller's Mortgage, a.k.a. Assumptions |
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186 | (1) |
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Start Small and Pay Later: Balloon Mortgages |
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187 | (1) |
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Two Loans and One Down Payment: 80-10-10 or 80-15-5 Loans |
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187 | (1) |
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Getting a Lower Interest Rate Via a Buydown |
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188 | (1) |
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Loan Help from Sellers with Carrybacks |
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188 | (1) |
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Paying for Your Home with Layaway Payments |
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189 | (1) |
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Fixed and Adjustable Rate Loans in One: Two-Step Mortgages |
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189 | (2) |
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190 | (1) |
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191 | (1) |
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Leasing with Option to Buy |
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191 | (1) |
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191 | (1) |
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Loans for Those with Blemished Credit |
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192 | (1) |
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193 | (4) |
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193 | (1) |
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Using Your Refinance Money |
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194 | (1) |
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How Refinancing Saves You Money |
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194 | (1) |
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Shopping Around for Refinance Loans |
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195 | (2) |
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16 Applying for a Mortgage |
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197 | (18) |
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The Roster of Loan People |
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198 | (1) |
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How the Lender Decides Whether to Lend You Money |
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198 | (4) |
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Taking the Loan Application |
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199 | (1) |
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199 | (1) |
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Looking at Your Credit Report |
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199 | (1) |
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Getting an Appraisal on the Home |
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200 | (1) |
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Knowing What Lenders Look For |
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201 | (1) |
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Approving or Denying the Loan |
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201 | (1) |
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202 | (9) |
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Spilling Your Financial Guts |
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202 | (5) |
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Locking in an Interest Rate |
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207 | (1) |
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208 | (1) |
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Estimating Interest Rates |
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209 | (2) |
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Ensuring a Smooth Application Process |
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211 | (1) |
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What to Do If You Can't Get a Loan |
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211 | (6) |
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212 | (1) |
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212 | (1) |
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213 | (1) |
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213 | (2) |
| Part 4: Getting the Best Deal |
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215 | (64) |
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17 Making an Offer on Home |
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217 | (14) |
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217 | (5) |
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What the Offer Should Include at the Minimum |
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218 | (1) |
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What Else Can Be Included in the Offer? |
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218 | (1) |
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219 | (3) |
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What Are You Willing to Pay? |
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222 | (2) |
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Comparing Other Sales Prices |
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222 | (1) |
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How Motivated Is the Seller? |
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223 | (1) |
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Asking the Seller to Pay Part |
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224 | (1) |
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The Offer Is Contingent On |
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224 | (2) |
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224 | (1) |
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Receiving a Clear Deed and Title |
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225 | (1) |
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Having the Home Inspected |
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225 | (1) |
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Having the Home Appraised |
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226 | (1) |
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Other Contingencies to Consider |
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226 | (1) |
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Specifying Other Offer Terms |
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226 | (3) |
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226 | (1) |
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What Personal Property Is Included? |
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227 | (1) |
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Real vs. Personal Property |
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227 | (1) |
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Specifying the Condition of the Home at Settlement |
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228 | (1) |
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Prorating Tax and Other Payments |
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229 | (1) |
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229 | (2) |
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231 | (10) |
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Understanding the Offer Process |
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232 | (1) |
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Using the Best Offer Strategies |
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232 | (1) |
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233 | (3) |
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234 | (1) |
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Responding to a Counteroffer |
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234 | (2) |
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236 | (1) |
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236 | (1) |
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237 | (1) |
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Do I Need a Real Estate Attorney? |
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238 | (3) |
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241 | (10) |
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Understanding the Types of Insurance |
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242 | (1) |
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242 | (6) |
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What Home Insurance Covers |
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243 | (1) |
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243 | (1) |
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How Much Insurance Do You Need? |
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244 | (1) |
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245 | (1) |
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Search the Web for Insurance Information |
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246 | (1) |
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How Insurance Payments Are Made |
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247 | (1) |
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Comparing Insurance Policies |
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247 | (1) |
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248 | (3) |
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248 | (1) |
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What Title Insurance Protects |
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249 | (2) |
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20 Having the Home Inspected |
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251 | |
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Seller Disclosure: Its the Law |
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251 | (1) |
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252 | (1) |
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252 | (1) |
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What the Inspector Checks |
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253 | (3) |
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What the Inspector Should Check |
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254 | (2) |
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What the Inspector Doesn't Check |
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256 | (1) |
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What the Inspector Shouldn't Do |
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256 | (1) |
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Reading the Inspection Report |
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256 | (1) |
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Handling Any Inspection Problems |
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257 | |
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Big Problems vs. Little Problems |
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258 | (1) |
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258 | |
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21 Handling the Closing; Buyer's Perspective |
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26l | (253) |
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What Has to Happen Before the Closing |
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261 | (3) |
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262 | (1) |
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263 | (1) |
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264 | (4) |
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Don't Forget the Down Payment |
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264 | (1) |
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264 | (1) |
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265 | (1) |
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266 | (1) |
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Prepayments (Reserves) Held by the Lender |
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266 | (1) |
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266 | (1) |
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Government Recording and Transfer Charges |
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267 | (1) |
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Still More Settlement Charges |
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267 | (1) |
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Keeping a Reserve in an Escrow Account |
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267 | (1) |
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268 | (1) |
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What Happens at the Closing |
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268 | (6) |
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What You Should Bring to the Closing |
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269 | (1) |
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Signed, Sealed, Delivered |
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269 | (4) |
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273 | (1) |
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Statement Side 1: The Totals |
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273 | (1) |
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Statement Side 2: The Closing Costs |
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273 | (1) |
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273 | (1) |
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274 | (1) |
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274 | (1) |
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274 | (1) |
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275 | (1) |
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275 | (1) |
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275 | (6) |
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275 | (1) |
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Hiring a Professional Mover |
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276 | (3) |
| Part 5: Selling Your Nome |
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279 | (88) |
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22 Deciding to Sell Your Home |
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281 | (10) |
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282 | (2) |
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Tallying Your Likes, Dislikes, Wishes, and Wants |
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282 | (1) |
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What Do You Hope to Gain by Selling? |
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283 | (1) |
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284 | (1) |
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Timing the Sale of Your Home: Sell First vs. Buy First |
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284 | (2) |
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284 | (1) |
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285 | (1) |
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286 | (1) |
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What Costs Are Involved in Selling a Home? |
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286 | (1) |
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What to Expect When You Sell Your Home |
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287 | (4) |
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Step 1: Getting the Home Ready |
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287 | (1) |
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Step 2: Deciding Whether to Use an Agent |
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287 | (1) |
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Step 3: Pricing and Marketing the Home |
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288 | (1) |
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Step 4: Negotiating Offers |
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288 | (1) |
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Step 5: Closing on the Home |
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288 | (1) |
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Step 6: Buying a New Home |
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288 | (3) |
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23 Selling Your Home Yourself |
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291 | (14) |
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292 | (1) |
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292 | (1) |
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Figuring Your Net Proceeds |
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293 | (1) |
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Defining Acceptable Financial Terms |
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293 | (1) |
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Marketing Your Home-Doing It Yourself |
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293 | (3) |
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Putting a Sign in Your Yard |
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293 | (1) |
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294 | (1) |
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Marketing Your Home Online |
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295 | (1) |
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295 | (1) |
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296 | (2) |
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296 | (1) |
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297 | (1) |
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297 | (1) |
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298 | (1) |
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298 | (2) |
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299 | (1) |
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299 | (1) |
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299 | (1) |
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300 | (1) |
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Other Key Players Who Can Help You Sell Your Home |
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301 | (2) |
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301 | (1) |
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302 | (1) |
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Using a HomeSelling Service |
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302 | (1) |
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302 | (1) |
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What to Do if Your Home Doesn't Sell |
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303 | (2) |
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24 Selling Your Home with an Agent |
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305 | (12) |
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Should You Use an Agent or Sell Alone? |
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306 | (1) |
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307 | (4) |
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308 | (1) |
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Evaluating the Agent's Listing Presentation |
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309 | (2) |
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Signing a Listing Contract |
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311 | (6) |
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311 | (3) |
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What the Listing Contract Should Include |
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314 | (1) |
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314 | (3) |
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25 Getting the Home Ready for Sale |
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317 | (14) |
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318 | (4) |
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Inspecting the Home Yourself |
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318 | (2) |
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Getting a Professional Inspection |
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320 | (1) |
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Deciding What Repairs to Make |
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321 | (1) |
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Do It Yourself or Hire Someone? |
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321 | (1) |
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322 | (1) |
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322 | (2) |
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First Impressions Count-Clean Up the Outside |
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323 | (1) |
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323 | (1) |
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324 | (1) |
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324 | (1) |
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325 | (1) |
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Collecting Home Information |
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325 | (1) |
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Understanding Seller Disclosure |
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326 | (5) |
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326 | (1) |
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326 | (1) |
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Completing a Seller Disclosure Form |
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327 | (4) |
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26 Pricing and Marketing the Home |
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331 | (12) |
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Setting the Listing Price |
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331 | (4) |
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Studying Comparable Homes for Sale |
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332 | (2) |
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334 | (1) |
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How the Market Affects Price |
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335 | (1) |
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Deciding What Else to Offer |
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335 | (1) |
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Figuring Your Net Proceeds |
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336 | (1) |
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337 | (1) |
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338 | (5) |
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339 | (1) |
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Getting the Home Ready for a Showing |
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339 | (1) |
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340 | (1) |
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340 | (3) |
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27 Dealing with Purchase Offers |
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343 | (10) |
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Dealing with Other Agents |
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343 | (1) |
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344 | (3) |
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What an Offer Should Include |
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345 | (1) |
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What Price and at What Terms? |
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345 | (1) |
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Checking the Contingencies |
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345 | (1) |
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346 | (1) |
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347 | (1) |
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348 | (1) |
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What to Do If You Don't Get Any Offers |
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348 | (2) |
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Should You Help with Financing? |
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350 | (3) |
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28 Handling the Closing: Seller's Perspective |
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353 | (14) |
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Knowing What to Expect at Closing |
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354 | (1) |
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354 | (3) |
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Handling Termites and Other Critters |
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355 | (1) |
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Checking the Chain of Ownership |
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355 | (1) |
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355 | (1) |
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Hiring a Closing Orchestrator |
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356 | (1) |
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Handling Problems with Closing |
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357 | (1) |
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358 | (4) |
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Fees You Can Expect to Pay at Closing |
|
|
358 | (1) |
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The HUD-1 Statement-My Column or Yours? |
|
|
359 | (3) |
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362 | (1) |
|
Tax Implications for Home Sales |
|
|
362 | (2) |
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Reporting the Sale of Your Home |
|
|
363 | (1) |
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|
363 | (1) |
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|
364 | |
| Appendixes |
|
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|
367 | (10) |
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|
377 | (6) |
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|
383 | (6) |
| Index |
|
389 | |
Other versions by this Author