|Real Estate Information|
Top Tips for First Time Home Buyers
Advice to Help When You're Buying a Home
First time home buyers might feel better to know that they're not the only ones who feel confused about the process of buying a home. Nearly all home buyers feel the same way, even if they've bought a house in the past, because it's easy to forget the home buying steps you took to get there once the event is behind you.
Before you begin, get educated about the home buying customs where you live. Relatives or friends who live in another state might have some good general advice for you, but chances are the process is very different in their area, so avoid the mistake of relying solely on their advice to make important decisions.
So How Do You Get Educated?
Talk to a real estate agent about the typical home buying scenario. This is not a meeting that should lead to an agreement for the agent to represent you.
It's simply a general discussion about the real estate customs in your area. An agent who won't take fifteen minutes to help you understand what to expect when you're buying a home isn't much of an agent, so if the first few calls don't produce someone who will help, keep looking.If you don't want to talk with a real estate agent, how about a bank loan officer or mortgage broker? They look at home buying from a different perspective, but can usually give you a basic overview of the process.
Questions to Ask
If you decide to work with an agent, will the agent help you compose your offer to purchase a home? If not, who does help?
If the agent uses fill-in-the-blank forms, ask for a blank sample copy to take home and study.
What types of disclosures are sellers in your area required to give to buyers? Can the agent give you a sample copy of typical disclosures?
What types of home inspections are standard in your area? Are there other inspections that the agent recommends?
How much do the inspections usually cost? Are they regarded as a buyer expense?
When are inspections done?
Is a survey required for most transactions? If so, who typically pays for it, the buyer or the seller?
Who does the title search to verify that the deed is problem free, attorneys or a title company? What's the average cost for that service?
Who acts as settlement agent, the person who puts together final paperwork for you to sign? (attorney, title company personnel, real estate broker, other)?
Other than loan costs, what's the average total cost for other closing fees?
Taxes, settlement agent fees, etc.
How long does it usually take to close on a home once an offer is accepted?
That's a good start. After you have the answers to those questions, you'll have a better feeling for the basic customs in your area.
Always Keep a Cool Head
Even simple problems can be a burden when you have so many details to take care of, so don't over-react if you hit a few snags on the way to closing. Keep a cool head and work with the people helping you through the transaction to resolve any issues that pop up.
Now Dig In
At this point, your remaining steps are no different than the steps nearly every home buyer must take. It's time to start digging into the details you need to get through the home buying process.
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You Dont Need Health Insurance!
Seems almost every situation in our lives is centered on communication. Good or bad, the way we express our thoughts, wants, and needs to each other determines how we live, love, and learn together.
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Everyone has heard a story or read about someone who bought a property without paying a single dime as a down payment. But how does this work?There are several "classic" methods commonly used to purchase real estate with no money down.
Why Should Sellers Be Absent During Showings?
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How to Research and Purchase a Good Investment Property
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Types Of Real Estate - An Investors Choice
There are different types of real estate, and different ways to invest in them. Which way is best is for you to decide, according to your particular needs.
Residential Property Abroad
It is increasingly common for individuals to own more than one property and in many cases the first investment after the family residence is in a holiday home. Whether you are buying a place in the sun, a country retreat or a city centre apartment, if it is in a foreign country you will be exposed to an unfamiliar legal system and to taxes in the country concerned.
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