Buying a home can be one of your most significant investments in life.
Not only are you choosing the place you rest your head, and the place
in which you bring up your family, you are most likely investing a large
portion of your assets into it as well. The more prepared you are upfront,
the less overwhelming and chaotic the buying process will be.

The goal of this page is to provide you with detailed information to
assist you in making intelligent and informed decisions throughout
the process. Remember.. I am only an e-mail or a quick phone call away!

(Download Adobe Acrobat FREE to read the PDF's below)


BENEFITS OF OWNING A HOME
- The Best Investment
- Income Tax Savings
- Stable Monthly Housing Costs
- Forced Savings
- Freedom and Individuality
- More Space For The Money

IMPORTANT THINGS TO AVOID BEFORE YOU BUY
- Don't Make a Large Purchase!
- Don't Move Money Around
- The Effect of Changing Jobs
- No Major Purchases of Any Kind
- When Income Grows and You Want to Buy "Stuff"
- Debt-to-Income Ratios and Car Payments

OFFERING TO PURCHASE REAL ESTATE
- Introduction and Overview "Writing An Offer"
- Contingencies in a Purchase Offer
- Earnest Money Deposit
- The Closing Date
- Transfer of Possession
- "Writing an Offer - Safeguards Regarding the Property"
- Disclosures From the Seller
- Condition of the Property Upon Transfer
- Inspections You Should Require
- Final Walk-Through Inspection
- Termite and Pest Inspection
- "Selecting Service Providers"
- You and the Seller Must Agree
- Escrow and Settlement
- Title Insurance

HOW FINANCING AFFECTS YOUR OFFER
- Down Payment
- Interest Rates
- Closing Costs and Financing Incentives
- Seller Financing
- Cash Offers
- Other Financing Details in Your Offer
- How FHA and VA Financing Affects Your Offer
- Extra Costs for the Seller
- VA and FHA Appraisals

BUSINESS CYCLE AND BUYING
- Recession and Expansion
- Supply and Demand
- Should You Try to "Time the Market"?
- Comparable Sales and Your Offer Price
- Determining Your Offer Price
- Comparable Sales in the Public Record
- Comparable Sales in the Multiple Listing Service
- Comparable Sales - Pending Transactions
- Other Factors Influencing Your Offer Price
- How Property Condition Affects Your Offer
- How Home Improvements Affect Your Offer
- How Market Conditions Affect Your Offer
- How Seller Motivation Affects Your Offer
- The Final Decision on Your Offer Price


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