Nolo's Essential Guide to Buyin - Ilona Bray; Alayna Schroeder; M

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Review" Any first-time homebuyer owes it to him or herself to get this book. It's packed with information you won't find anywhere else, yet is remarkably accessible, even when covering com...

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Title Page
Copyright Page
Acknowledgements
About the Authors
Your Homebuying Companion
CHAPTER 1 - What’s So Great About Buying a House? Why You Can and Should Do It
Tax Breaks: Benefits From Uncle Sam
Personality and Pizzazz: Your Home Is Your Castle
No More Mr. Roper: Say Goodbye to Renting
You Can Do It … If You Want To
CHAPTER 2 - What Do You Want? Figuring Out Your Homebuying Needs
Know Yourself: How Your Lifestyle, Plans, and Values Affect Your House Priorities
Know Your Ideal House: Old Bungalows, New Condos, and More
Would You Like Land With That? Single-Family Houses
Sharing the Joy, Sharing the Pain: Common Interest Properties
Factory Made: Modular and Manufactured Homes
Putting It All Together: Your Dream List
CHAPTER 3 - Does This Mean I Have to Balance My Checkbook? Figuring Out What ...
Spend Much? How Lenders Use Your Debt-to-Income Ratio
Blasts From the Past: How Your Credit History Factors In
What’s Your Monthly Budget? Understanding Your Finances
Getting Creative: Tips for Overcoming Financial Roadblocks
The Power of Paper: Getting Preapproved for a Loan
CHAPTER 4 - Stepping Out: What’s on the Market and at What Price
See for Yourself: Driving Through Neighborhoods
On Foot: Talking to the Natives
Sunrise, Sunset: Getting Day and Night Perspectives
Got Houses? Finding Out What’s Locally Available
How Much Did That One Go For? Researching “Comparable” Sales
Hot or Cold? Take the Market’s Temp
Just Looking: The Open House Tour
Nothing to Look at Yet? Finding Your Dream Development
CHAPTER 5 - Select Your Players: Your Real Estate Team
Your Cash Cow: The Mortgage Broker or Banker
Your Fine Print Reader: The Real Estate Attorney
Your Sharp Eye: The Property Inspector
Your Big Picture Planner: The Closing Agent
Strength in Numbers: Other Team Members
CHAPTER 6 - Bring Home the Bacon: Getting a Mortgage
Who’s Got the Cash? Where to Get a Mortgage
Narrowing the Field: Which Type of Mortgage Is Best for You?
Getting Your Cash Together: Common Down Payment and Financing Strategies
Where Do I Look? Researching Mortgages
I’ll Take That One! Applying for Your Loan
Unique Financial Considerations for Co-op Buyers
CHAPTER 7 - Mom and Dad? The Seller? Uncle Sam? Loan Alternatives
All in the Family: Loans From Relatives or Friends
A One-Person Bank: Seller Financing
New Home Financing
Backed by Uncle Sam: Government-Assisted Loans
CHAPTER 8 - I Love It! It’s Perfect! Looking for the Right House
The Rumor Mill: Getting House Tips From Friends
Planning Ahead for House Visits
Come on In: What to Expect as You Enter
Do We Have a Match? Using Your Dream List
All the World’s Been Staged: Looking Past the Glitter
Recent Remodels: What to Watch Out For
Walk the Walk: Layout and Floorplan
What Do They Know? Reviewing Seller Disclosure Reports
Reviewing the Seller’s Inspection Reports (If Any)
Poking Around: Doing Your Own Initial Inspection
Hey, Nice Dirt Pile! Choosing a Not-Yet-Built House
Buying a New or Old Condo or Co-op? Research the Community
CHAPTER 9 - Plan B: Fixer-Uppers, FSBOs, Foreclosures, and More
A Foot in the Door: Buying a Starter House
Have It Your Way: Buying a Fixer-Upper or House You Can Add on To
Share Your Space: Buying Jointly
Subdivide Your Space: Renting Out a Room
Hey, Where’s Their Agent? Looking for FSBOs (For Sale by Owners)
On the Auction Block: Buying Short Sale, Foreclosure, or Probate Properties
CHAPTER 10 - Show Them the Money: From Offer to Purchase Agreement
More Than Words: What’s in the Standard Purchase Contract
Too Much? Not Enough? How Much to Offer
Keeping Your Exit Routes Open: Contingencies
Putting Your Money Where Your Mouth Is: The Earnest Money Deposit
Divvy It Up: Who Pays What Fees
Deal or No Deal: Picking an Expiration Date
Think Ahead: Closing Date
Strategies in a Cold Market: What to Ask For
Strategies in a Hot Market: Making Your Offer Stand Out
Contracting to Buy a Brand-New Home
CHAPTER 11 - Toward the Finish Line: Tasks Before Closing
Will It Really Be Yours? Getting Title Insurance
Yours, Mine, or Ours? What to Say on the Deed
Get Ready, ’Cause Here I Come: Preparing to Move
CHAPTER 12 - Send in the Big Guns: Professional Property Inspectors
House Calls: Your General Inspection
Tagging Along at Your General Inspection
Say What? Understanding Your General Inspection Report
Termite or Pest Inspections
When to Get Other, Specialized Inspections
Trouble in Paradise: Inspecting Newly Built Homes
CHAPTER 13 - Who’s Got Your Back? Homeowners’ Insurance and Home Warranties
Protection for Other’s Injuries: Liability Insurance
Your Out-of-Pocket: Homeowners’ Insurance Costs
Shopping Around for Homeowners’ Insurance
Jointly Owned, Jointly Insured: What Your Community Association Pays For
Home Warranties for Preowned Houses
Home Warranties for Newly Built Houses
CHAPTER 14 - Seal the Deal: Finalizing Your Homebuying Dreams
Is It Really Empty? Final Walk-Through of an Existing House
Is It Really Finished? Final Walk-Through of a New House
Your Last Tasks Before the Closing
The Drum Roll, Please: Attending the Closing
Closing Documents, Part One: Your Mortgage Loan
Closing Documents, Part Two: Transferring the Property
Can I Move In? Taking Possession
CHAPTER 15 - Settling Into Your New Home
Home, Hearth, and Hors d’Oeuvres: Settle in Socially
The Safest Home in Town: Yours
Cozy Up … Without Breaking The Bank
There’s a Place for It: Organize Your Records
Back to the Future: Get Your Finances on Track
APPENDIX A
Index
NOLO
Sample Forms From the CD-Rom
Questions for Seller Worksheet
Condo/Co-Op Worksheet
Questions for Talking with Locals

Nolo's Essential Guide to Buyin - Ilona Bray; Alayna Schroeder; M

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