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Table of Contents
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How to Pay Down Your Mortage Quicker
Using 401k or IRA Retirement
Sweat Equity
Down Payment
School District
Boundary Questions
Things to Consider During Inspection
HOA Documents
Qualification
Biggest Source of Stress
Additional Help
America One Mortage Group
Credits
4. To pay down your mortgage
quicker and own your home sooner:
Insight #1
5. To pay down your mortgage
quicker and own your home sooner:
Make bi-weekly or weekly payments
Insight #1
6. To pay down your mortgage
quicker and own your home sooner:
Put extra money toward the mortgage
when you can afford it
Insight #1
7. To pay down your mortgage
quicker and own your home sooner:
Check out these extra tips from Tony
Robbins’ MONEY: Master the Game
Insight #1
8. Insight #2
Consider using your 401K or IRA
retirement accounts as source for your
down payment. Depending on the type
of retirement accounts you have, you may
be able to make withdraws for a 1st time
purchase without penalties or taxes, or
you may be able to borrow against it.
9. Insight #3
Sweat equity can save thousands. If you
have the skills, time and patience to live
with dust and debris for a little white, do-it-
yourself home improvement projects can
save you a huge chunk of money.
10. Insight #4
Definitely consider a down payment.
Putting some money down is a good idea
for any homebuyer because it minimized your
risk and lets you start off with some equity.
11. Insight #5
Your school district will affect your
home’s value. Even if you don’t have kids,
be sure to look into a neighborhood’s school
district before buying a home, as living in
an area with a sought-after school system
raises your property value.
12. Insight #6
Answer boundary questions early on.
You can’t always rely on the seller’s knowledge
of the property, so getting a land survey
will clear up any uncertainty.
23. Insight #7
Dig deep during inspection.
Things to consider:
Insulation and ventilation
in the attic
24. Insight #7
Dig deep during inspection.
Things to consider:
Potential environmental problems
25. Insight #8
While your HOA documents aren’t
exactly fun to read, be sure to carefully
review everything if you want to avoid
unpleasant surprises down the road.
#ProTip: Talk to residents in the
neighborhood and get opinions on
how well the HOA does its job.
26. Insight #9
Don’t feel obligated to spend every dollar you
qualify for. If you don’t, you can open yourself
up to more options and better possibilities.
27. Insight #10
The biggest source of stress for first time
homebuyers is a confusion with the escrow
and mortgage process. Be sure to get this
explained to you from the experts so you’re
prepared. Be sure to research Yelp or
Zillow for an agent’s past performance.