4 steps to minimize the risk of owning
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This document outlines 4 steps to minimize risk when owning a home: 1. Choose a fixed-rate mortgage over an adjustable-rate mortgage to avoid interest rate fluctuations. 2. Purchase and maintain a home warranty to cover unexpected repair costs for issues like a leaky roof or broken appliances. 3. Get repair bids and estimates during the inspection period, not just inspections, to understand potential repair costs. 4. Only purchase a home that can be owned for 10 years to avoid needing to sell due to moving or changing needs.
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LEARNING OBJECTIVES
After reading this chapter, you should be able to:
Decide whether renting or owning your home is better for you.
Explain the up-front and monthly costs of buying a home.
Describe the steps in the home-buying process.
Understand the mathematics of mortgage loans and distinguish among ways of financing the purchase of a home.
Identify some key considerations when selling a home.
WHAT DO YOU RECOMMEND?
Shelby Clark has worked for a major consumer electronics retailer since graduating from college. The company has operations across the country with regional headquarters in Atlanta, Denver, Minneapolis, and Boston. She has been based in the Atlanta area for the past three years, and has begun to think about buying a home rather than renting her townhouse apartment. Then, last month, Shelby was promoted to deputy regional director for the Denver office. The promotion represents a key step for becoming a regional director in four or five years.
What do you recommend to Shelby on the subject of buying a home regarding:
1. Buying or renting housing in the Denver area?
2. Steps she should take prior to actively looking at homes?
3. Finding a home and negotiating the purchase?
4. The closing process in home buying?
5. Selecting a type of mortgage to fit her needs?
6. Things to consider regarding the sale of her new home should she ultimately be promoted to a position in another of the four regions?
YOUR NEXT FIVE YEARS
In the next five years, you can start achieving financial success by doing the following related to obtaining affordable housing:
1.Read your leases and other real estate contracts thoroughly before signing.
2.Save the money for a home down payment within a tax-sheltered Roth IRA account.
3.Get your finances in order before shopping for a new home by reducing debt, budgeting better, and clearing up anything that keeps you from h.
9 Obtaining Affordable HousingYOU MUST BE KIDDING, RIGHTKel.docx
Kelvin took out a $230,000 mortgage loan at 4.75% interest for 30 years, with a monthly payment of $1200. His friend suggested he could have found a lower interest rate of 4.5% with a monthly payment of only $1165. While the monthly payment difference seems small, the extra interest Kelvin will pay over the 30-year loan term is $12,600 due to the higher interest rate. The document emphasizes the importance of searching for the lowest interest rate possible when taking out a mortgage loan, as small differences in rate can result in thousands extra in interest paid over the long term of the loan.
5 Clues to See if You Are Cut Out to be a Landlord?
This document discusses 5 clues that indicate if someone is cut out to be a landlord:
1. Legal issues with tenants can cause headaches, so it's important to understand fair housing and rental laws. Hiring professional property management can avoid legal troubles.
2. Tenants will cause frustrations with property damage, complaints, and inconvenient calls. Having a clearly written lease outlining rules and payments can prevent disputes.
3. Rental properties require ongoing maintenance, repairs, and adjusting rents based on market rates. Budgeting and cash reserves are needed to handle financial responsibilities.
4. Regular maintenance is needed to prevent deterioration, and budgets should include replacing major systems over time to avoid surprise costs.
5. For those
Tri-fold Brochure-LinkedIn
This document provides information and resources for foreign-born homebuyers purchasing a home in the United States. It outlines the steps to buy a home, including getting pre-qualified for a mortgage, finding an agent, making an offer, and closing the deal. It warns that foreclosure rates are higher for foreign-born buyers and recommends avoiding risky subprime loans. The document also lists financial benefits of homeownership and provides various links to resources for credit checks, affordability calculators, and finding realtors, attorneys, inspectors, and mortgages.
2015 Buyer's Guide
This document provides information about home buying and working with Lawyers Title of Arizona. It discusses Lawyers Title's services, advantages to home ownership like building equity and tax benefits, and an overview of the typical home buying process. It also includes checklists for buyers to consider when purchasing new homes, previously owned homes, or undeveloped land. The document defines important terms and outlines typical closing costs and which party usually pays certain fees.
First time homebuyers guide
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Top 5 Happy Landlord Tips
Landlords come from all walks of life, and they can be pros or reluctant landlords who couldn’t sell their home. Whether you’re considering rental property investment, can’t sell and need to rent out your home and move, or you’re already a landlord, these five tips can help you sleep at night and keep a smile on your face on your way to the bank.
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THE ULTIMATE GUIDE TO BUYING & SELLING A HOME IN THE GREATER TORONTO AREA
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9 Obtaining Affordable HousingYOU MUST BE KIDDING, RIGHTKel.docx
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9 Obtaining Affordable HousingYOU MUST BE KIDDING, RIGHTKel.docx
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5 Clues to See if You Are Cut Out to be a Landlord?
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Moving up to a larger home and selling your current home involves additional complications compared to a first-time home purchase. This is because you need to sell your existing home at the right time to coordinate with buying the new one, otherwise you may have to pay costs for two mortgages simultaneously or have periods without a home. It's important to understand these issues before listing your home for sale in order to make the move-up process worry-free.
Luxury home hotlist
This document discusses how receiving a free report of the best luxury home listings on the market can give buyers an advantage. The report would list luxury homes for sale, including photos, in the desired price range and location. There is no cost or obligation for receiving this insider information in a simple format. Filling out criteria on the page provided can get someone the free "Hotlist of Upscale Homes" report.
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When buying a home, it is important to have current knowledge of listed home prices in your desired area and price range. Receiving a free report of the best listings that match your preferences allows buyers to outcompete others and get the most for their money. This insider information sent in a simple format gives buyers an advantage over other buyers in the marketplace.
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This document describes a free service that provides up-to-date lists of foreclosure properties for sale in the Calgary region. It notes that foreclosure sales can offer great deals on homes. However, these deals can be difficult for average buyers to find without searching regularly. The service automatically searches for and downloads current lists of foreclosure properties daily, providing subscribers access to the most up-to-date available properties in their desired price range and location. Subscribers will receive a free report with photos of foreclosure properties meeting their criteria, with no obligation. This insider information is intended to give subscribers an advantage over other buyers.
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Calgary region empty nest options, villas
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4 steps to minimize the risk of owning
- 1. 4 Steps to Minimize the Risk of Owning a Home
- 2. 1.Stick with a fixed-rate mortgage. Recent data shows that adjustable rate mortgages, or ARMs, are increasingly popular, rising from 9 percent of the mortgage market in the fourth quarter of 2010 to 12 percent in the first quarter of this year. This might seem crazy to some, but in financially aggressive crowds, the lure of low, 3 percent(ish) interest rates on ARMs is enough to overcome any qualms. As well, today's ARMs tend to have lower lifetime interest rate caps and require payment of principal, so they don't adjust as violently as the subprime interest-only and option ARMs that contributed to the foreclosure crisis.
- 3. 2. Put and keep a home warranty in place. One of the most frightening things about going from renter to homeowner is the prospect of being solely responsible for the care and feeding of your home and all its systems and appliances. Responsibility for both the costs and the actual logistics of repairing things like a leaky roof, a broken hot water heater or a haywire electrical fixture looms large in the minds of first-time buyers, in particular.
- 4. 3.Get repair bids and estimates, not just inspections. After you find the home of your dreams (or the home of your budget!) and get into contract, you'll have a contingency or objection period ranging from 7 to 17 days during which you can obtain all the inspections you want. Most buyers start out with a general property inspection, a pest inspection and a roof inspection, then get more specialized inspections if the property calls from it. Pest and roof inspectors will generally provide an inspection report AND a repair bid for any work they find needs to be done.
- 5. 4. Buy on the 10-year plan. Warren Buffett once famously advised stock investors to "only buy something that you'd be perfectly happy to hold if the market shut down for 10 years." The same advice is good for buying a home in today's real estate market. Take on a mortgage you know you can sustain, buy at a price you can comfortably afford and avoid having to sell because you need to move for some urgent reason, or because the home no longer meets your needs.
- 6. Randy Bett Investment Realtor/Author/Investor Real Estate Professionals Inc. Better Group Real Estate 202-5403 Crowchild Trail NW Calgary, AB T3B 4Z1 Phone:403-774-7464 Ext:1 Fax:403-208-0082 Toll Free fax:888-711-6801