Book
Nolo's essential guide to buying your first home / Ilona Bray, J.D., Attorney Ann O'Connell, & Marcia Stewart.
Record details
- ISBN: 1413327001 : PAP
- ISBN: 9781413327007 : PAP
- ISBN: 9781413327007
- ISBN: 1413327001
- Physical Description: pages cm
- Edition: 7th edition.
- Publisher: [Berkeley, California] : Nolo, [2019]
Content descriptions
| General Note: | Includes index. |
| Formatted Contents Note: | Your homebuying companion -- What's so great about buying a house? -- What do you want? : figuring out your homebuying needs -- Does this mean I have to balance my checkbook? : figuring out what you can afford -- Stepping out : what's on the market and at what price -- Select your players : the real estate team -- Bring home the bacon : getting a mortgage -- Mom and dad? The seller? Uncle Sam? : loan alternatives -- I love it! It's perfect! Looking for the right house -- Plan B : fixer-uppers, FSBOs, foreclosures, and more -- Show them the money : from offer to purchase agreement -- Toward the finish line : tasks before closing -- Send in the big guns : professional property inspectors -- Who's got your back? : homeowners' insurance and home warranties -- Seal the deal : finalizing your homebuying dreams. |
| Summary, etc.: | "This book provides everything the reader needs to: research the local market and listings; decide between a house, condo, co-op or townhouse; create a realistic budget; qualify for a loan you can truly afford; borrow a down payment from friends or family; protect yourself with inspections and insurance; and negotiate and close the deal successfully. The reader will find insights from 15 real estate professionals -- brokers, attorneys, mortgage specialists, a home inspector, a neighborhood researcher, and more. Plus, this book contains real-life stories of over 20 first-time homebuyers"-- Provided by publisher. |
Search for related items by subject
| Subject: | House buying. |
Available copies
- 4 of 4 copies available at Bibliomation. (Show)
- 0 of 0 copies available at Ridgefield Library.
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Nolo's Essential Guide to Buying Your First Home
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Table of Contents
Nolo's Essential Guide to Buying Your First Home
| Section | Section Description | Page Number |
|---|---|---|
| Your Homebuying Companion | p. 1 | |
| 1 | What's So Great About Buying a House? | p. 5 |
| Investment Value: Get What You Pay For ... And Then Some | p. 8 | |
| Tax Breaks: Benefits From Uncle Sam | p. 11 | |
| Personality and Pizzazz: Your Home Is Your Castle | p. 15 | |
| No More Landlord: Say Goodbye to Renting | p. 15 | |
| You Can Do It ... If You Want To | p. 16 | |
| 2 | What Do You Want? Figuring Out Your Homebuying Needs | p. 23 |
| Know Your Ideal Neighborhood: Why Location Matters | p. 26 | |
| Know Yourself: How Your Lifestyle, Plans, and Values Affect Your House Priorities | p. 28 | |
| Know Your Ideal House: Old Bungalows, New Condos, and More | p. 30 | |
| Would You Like Land With That? Single-Family Houses | p. 30 | |
| Sharing the Joy, Sharing the Pain: Condos and Other Common Interest Properties | p. 34 | |
| Factory Made: Modular and Manufactured Homes | p. 38 | |
| Putting It All Together: Your Dream List | p. 40 | |
| 3 | Does This Mean I Have to Balance My Checkbook? Figuring Out What You Can Afford | p. 49 |
| Beyond the Purchase Price: The Costs of Buying and Owning a Home | p. 53 | |
| Spend Much? How Lenders Use Your Debt-to-income Ratio | p. 59 | |
| Blasts From the Past: How Your Credit History Factors In | p. 61 | |
| What's Your Monthly Budget? Understanding Your Finances | p. 67 | |
| Getting Creative: Tips for Overcoming Financial Roadblocks | p. 70 | |
| The Power of Paper: Getting Preapproved for a Loan | p. 72 | |
| 4 | Stepping Out: What's on the Market and at What Price | p. 77 |
| What's the Buzz? Checking Out Neighborhoods From Your Chair | p. 80 | |
| See for Yourself: Driving Through Neighborhoods | p. 89 | |
| On Foot: Talking to the Natives | p. 91 | |
| Sunrise, Sunset: Getting Day and Night Perspectives | p. 92 | |
| Got Houses? Finding Out What's Locally Available | p. 93 | |
| How Much Did That One Go For? Researching "Comparable" Sales | p. 94 | |
| Hot or Cold? Take the Market's Temp | p. 96 | |
| Just Looking: The Open House Tour | p. 98 | |
| Nothing to Look at Yet? Finding Your Dream Development | p. 99 | |
| 5 | Select Your Players: The Real Estate Team | p. 101 |
| Your Team Captain: The Real Estate Agent | p. 104 | |
| Your Cash Cow: The Loan Officer, Mortgage Broker, or Mortgage Banker | p. 120 | |
| Your Fine-Print Reader: The Real Estate Attorney | p. 127 | |
| Your Sharp Eye: The Property Inspector | p. 134 | |
| Your Big Picture Planner: The Closing Agent | p. 139 | |
| Strength in Numbers: Other Team Members | p. 143 | |
| 6 | Bring Home the Bacon: Getting a Mortgage | p. 145 |
| Let's Talk Terms: The Basics of Mortgage Financing | p. 148 | |
| Who's Got the Cash? Where to Get a Mortgage | p. 154 | |
| Narrowing the Field: Which Type of Mortgage Is Best for You? | p. 154 | |
| Getting Your Cash Together: Common Down Payment and Financing Strategies | p. 163 | |
| Where Do I Look? Researching Mortgages | p. 164 | |
| I'll Take That One! Applying for Your Loan | p. 166 | |
| New-Home Financing | p. 171 | |
| Unique Financial Considerations for Co-op Buyers | p. 174 | |
| 7 | Mom and Dad? The Seller? Uncle Sam? Loan Alternatives | p. 175 |
| No Wrapping Required: Gift Money From Relatives or Friends | p. 178 | |
| All in the Family: Loans From Relatives or Friends | p. 182 | |
| A One-Person Bank: Seller Financing | p. 193 | |
| Backed by Uncle Sam: Government-Assisted Loans | p. 195 | |
| 8 | I Love It! It's Perfect! Looking for the Right House | p. 201 |
| How Your Agent Can Help | p. 204 | |
| The Rumor Mill: Getting House Tips From Friends | p. 207 | |
| Keeping Track of New Listings | p. 208 | |
| Planning Ahead for House Visits | p. 208 | |
| Come on In: What to Expect as You Enter | p. 210 | |
| Do We Have a Match? Using Your Dream List | p. 213 | |
| All the World's Been Staged: Looking Past the Glitter | p. 214 | |
| Recent Remodels: What to Watch Out For | p. 215 | |
| Walk the Walk: Layout and Floor Plan | p. 217 | |
| What Do They Know? Reviewing Seller Disclosure Reports | p. 217 | |
| Reviewing the Seller's Inspection Reports (If Any) | p. 221 | |
| Poking Around: Doing Your Own Initial Inspection | p. 225 | |
| Hey, Nice Dirt Pile! Choosing a Not-Yet-Built House | p. 226 | |
| Buying a New or Old Condo or Co-op? Research the Community | p. 230 | |
| 9 | Plan B: Fixer-Uppers, FSBOs, Foreclosures, and More | p. 237 |
| Castoffs: Searching for Overlooked Houses | p. 240 | |
| Houses Not Yet on the Market | p. 243 | |
| Look What's Back on the Market! | p. 243 | |
| A Foot in the Door: Buying a Starter House | p. 244 | |
| Have It Your Way: Buying a Fixer-Upper or House You Can Add on To | p. 245 | |
| Share Your Space: Buying Jointly | p. 250 | |
| Subdivide Your Space: Renting Out a Room | p. 252 | |
| Hey, Where's Their Agent? Looking for FSBOs (For Sale by Owners) | p. 253 | |
| Buying a Short Sale Property | p. 256 | |
| Buying a Foreclosure Property | p. 261 | |
| Buying a House in Probate | p. 268 | |
| 10 | Show Them the Money: From Offer to Purchase Agreement | p. 271 |
| Start to Finish: Negotiating and Forming a Contract | p. 275 | |
| More Than Words: What's in the Standard Purchase Contract | p. 281 | |
| Too Much? Not Enough? How Much to Offer | p. 285 | |
| Keeping Your Exit Routes Open: Contingencies | p. 291 | |
| Putting Your Money Where Your Mouth Is: The Earnest Money Deposit | p. 297 | |
| Divvy It Up: Who Pays What Fees | p. 298 | |
| Deal or No Deal: Picking an Expiration Date | p. 299 | |
| Think Ahead: Closing Date | p. 300 | |
| Strategies in a Cold Market: What to Ask For | p. 301 | |
| Strategies in a Hot Market: Making Your Offer Stand Out | p. 302 | |
| Contracting to Buy a Brand-New Home | p. 303 | |
| 11 | Toward the Finish Line: Tasks Before Closing | p. 307 |
| Wrappin' It Up: Removing Contingencies | p. 311 | |
| Will It Really Be Yours? Getting Title Insurance | p. 321 | |
| Yours, Mine, or Ours? What to Say on the Deed | p. 327 | |
| Get Ready, 'Cause Here I Come: Preparing to Move | p. 331 | |
| 12 | Send in the Big Guns: Professional Property Inspectors | p. 337 |
| Home Inspection Overview: What, When, and at What Cost? | p. 340 | |
| House Calls: Your General Home Inspection | p. 342 | |
| Tagging Along at Your General Home Inspection | p. 346 | |
| Say What? Understanding Your General Home Inspection Report | p. 348 | |
| Termite or Pest Inspections | p. 350 | |
| When to Get Other, Specialized Inspections | p. 352 | |
| Trouble in Paradise: Inspecting Newly Built Homes | p. 354 | |
| 13 | Who's Got Your Back? Homeowners' Insurance and Home Warranties | p. 357 |
| Coverage for Your House | p. 360 | |
| Damage Your Homeowners' Insurance Won't Cover | p. 365 | |
| Protection for Others' Injuries: Liability Insurance | p. 368 | |
| Your Out-of-Pocket: Homeowners' Insurance Costs | p. 370 | |
| Insurance Deductibles | p. 372 | |
| Shopping Around for Homeowners' Insurance | p. 375 | |
| Types of Insurance Companies | p. 376 | |
| Jointly Owned, Jointly Insured: What Your Community Association Pays For | p. 376 | |
| Home Warranties for Preowned Houses | p. 377 | |
| Home Warranties for Newly Built Houses | p. 379 | |
| 14 | Seal the Deal: Finalizing Your Homebuying Dreams | p. 381 |
| Preview of Coming Attractions: What Your Closing Will Involve | p. 385 | |
| Is It Really Empty? Final Walk-Through of an Existing House | p. 389 | |
| Is It Really Finished? Final Walk-Through of a New House | p. 394 | |
| Your Last Tasks Before the Closing | p. 396 | |
| The Drum Roll, Please: Attending the Closing | p. 405 | |
| Closing Documents Related to Your Mortgage Loan | p. 406 | |
| Closing Documents Related to Transferring the Property | p. 408 | |
| Can I Move in? Taking Possession | p. 409 | |
| 15 | Settling Into Your New Home | p. 411 |
| Tell the World You've Moved | p. 414 | |
| Home, Hearth, and Hors d'Oeuvres: Settle in Socially | p. 416 | |
| The Safest Home in Town: Yours | p. 418 | |
| Cozy Up ... Without Breaking the Bank | p. 419 | |
| There's a Place for It: Organize Your Records | p. 425 | |
| Back to the Future: Get Your Finances on Track | p. 429 | |
| Appendix: Using the Downloadable Forms | p. 431 | |
| Editing RTFs | p. 432 | |
| List of Forms | p. 433 | |
| Index | p. 435 |
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