The document provides an overview of the steps to successful home ownership. It begins with addressing common fears about buying a home and provides facts to alleviate those fears. It then outlines eight steps to home ownership: deciding to buy, hiring an agent, securing financing, finding a home, making an offer, performing due diligence, closing, and protecting your investment. For each step, it provides guidance, tips, and statistics to help buyers navigate the home buying process.
The document provides an overview of the home buying process in 8 steps: 1) decide to buy, 2) hire an agent, 3) secure financing, 4) find a home, 5) make an offer, 6) perform due diligence like inspections, 7) close on the purchase, and 8) protect your investment with maintenance. It discusses common fears around affording a home and available options like tax credits. The summary also outlines key aspects of each step such as choosing a loan, understanding mortgage options, making competitive offers, and post-purchase insurance and upkeep.
Your first home by the book seminar us_2010_revised (1)peytonlifecoach
This document summarizes the steps for first-time home buyers. It outlines 8 steps: 1) decide to buy, 2) hire an agent, 3) secure financing, 4) find a home, 5) make an offer, 6) perform due diligence like inspections, 7) close on the purchase, and 8) protect your investment. It also addresses common fears about buying a home and provides facts to alleviate those fears. Overall, the document is meant to guide first-time buyers through the entire home buying process.
The document provides information about buying a home, including fears about affording it and facts addressing those fears. It outlines an $8,000 tax credit for first-time home buyers and eligibility requirements. It then discusses the eight steps to home ownership, including deciding to buy, hiring an agent, securing financing, finding a home, making an offer, due diligence, closing, and protecting the investment.
The document provides information about buying a home, including fears about affording it and facts addressing those fears. It outlines an $8,000 tax credit for first-time home buyers and eligibility requirements. It then discusses the eight steps to home ownership, including deciding to buy, hiring an agent, securing financing, finding a home, making an offer, due diligence, closing, and protecting the investment.
The document outlines the steps and considerations for buying a home, including deciding to buy, hiring an agent, securing financing, finding a home, making an offer, performing due diligence like inspections, closing on the purchase, and protecting your investment after buying. It addresses common fears about buying a home and provides facts to counter those fears. The presentation also provides tips on maintaining a home and building wealth through home ownership over the long run.
The document discusses buying a home, including common fears about the process and facts to address those fears. It outlines eight steps to successful home ownership: deciding to buy, hiring an agent, securing financing, finding a home, making an offer, performing due diligence, closing, and protecting your investment. Key aspects of each step are summarized, such as different financing options, components of a purchase offer, and responsibilities during closing. The importance of ongoing home maintenance is also emphasized.
Your First Home By The Book Seminar Us Jim GatosJim Gatos
The document provides an overview of the home buying process. It discusses common fears about buying a home and provides facts to address those fears. It then outlines eight steps to successful home ownership: deciding to buy, hiring an agent, securing financing, finding a home, making an offer, performing due diligence, closing, and protecting your investment. Throughout, it provides tips and advice related to each step of the process.
2017 Special Report 25 Ways to Buy Commercial Properties with No Money Down Andrew Williams
The document discusses 25 ways to buy commercial properties with no money down. It begins by introducing the author and his experience investing in real estate since 1988, including buying his first 8-unit apartment building for $235,000 with zero money down. The author then outlines four common types of owner financing that allow a buyer to purchase a property with no money down: certain date principal payment, principal payments option, interest only payments, and balloon notes. The author advocates negotiating with sellers to carry financing in order to purchase properties without any out-of-pocket costs.
The document provides an overview of the home buying process in 8 steps: 1) decide to buy, 2) hire an agent, 3) secure financing, 4) find a home, 5) make an offer, 6) perform due diligence like inspections, 7) close on the purchase, and 8) protect your investment with maintenance. It discusses common fears around affording a home and available options like tax credits. The summary also outlines key aspects of each step such as choosing a loan, understanding mortgage options, making competitive offers, and post-purchase insurance and upkeep.
Your first home by the book seminar us_2010_revised (1)peytonlifecoach
This document summarizes the steps for first-time home buyers. It outlines 8 steps: 1) decide to buy, 2) hire an agent, 3) secure financing, 4) find a home, 5) make an offer, 6) perform due diligence like inspections, 7) close on the purchase, and 8) protect your investment. It also addresses common fears about buying a home and provides facts to alleviate those fears. Overall, the document is meant to guide first-time buyers through the entire home buying process.
The document provides information about buying a home, including fears about affording it and facts addressing those fears. It outlines an $8,000 tax credit for first-time home buyers and eligibility requirements. It then discusses the eight steps to home ownership, including deciding to buy, hiring an agent, securing financing, finding a home, making an offer, due diligence, closing, and protecting the investment.
The document provides information about buying a home, including fears about affording it and facts addressing those fears. It outlines an $8,000 tax credit for first-time home buyers and eligibility requirements. It then discusses the eight steps to home ownership, including deciding to buy, hiring an agent, securing financing, finding a home, making an offer, due diligence, closing, and protecting the investment.
The document outlines the steps and considerations for buying a home, including deciding to buy, hiring an agent, securing financing, finding a home, making an offer, performing due diligence like inspections, closing on the purchase, and protecting your investment after buying. It addresses common fears about buying a home and provides facts to counter those fears. The presentation also provides tips on maintaining a home and building wealth through home ownership over the long run.
The document discusses buying a home, including common fears about the process and facts to address those fears. It outlines eight steps to successful home ownership: deciding to buy, hiring an agent, securing financing, finding a home, making an offer, performing due diligence, closing, and protecting your investment. Key aspects of each step are summarized, such as different financing options, components of a purchase offer, and responsibilities during closing. The importance of ongoing home maintenance is also emphasized.
Your First Home By The Book Seminar Us Jim GatosJim Gatos
The document provides an overview of the home buying process. It discusses common fears about buying a home and provides facts to address those fears. It then outlines eight steps to successful home ownership: deciding to buy, hiring an agent, securing financing, finding a home, making an offer, performing due diligence, closing, and protecting your investment. Throughout, it provides tips and advice related to each step of the process.
2017 Special Report 25 Ways to Buy Commercial Properties with No Money Down Andrew Williams
The document discusses 25 ways to buy commercial properties with no money down. It begins by introducing the author and his experience investing in real estate since 1988, including buying his first 8-unit apartment building for $235,000 with zero money down. The author then outlines four common types of owner financing that allow a buyer to purchase a property with no money down: certain date principal payment, principal payments option, interest only payments, and balloon notes. The author advocates negotiating with sellers to carry financing in order to purchase properties without any out-of-pocket costs.
The document provides a summary of common mistakes made by first-time home buyers and tips to avoid them. The top 5 mistakes are: 1) Not asking their lender enough questions to get the best mortgage deal. 2) Not making a quick buying decision and losing out to other offers. 3) Not finding the right real estate agent to guide them through the process. 4) Not making their offer appealing to sellers. 5) Not considering how long they plan to stay in the home and the costs of eventual resale. The document stresses the importance of working with knowledgeable professionals and doing thorough research to avoid costly errors when purchasing a first home.
This document provides tips on how to prepare a home for sale using feng shui principles to appeal to buyers. It recommends paying special attention to the front door area to create a welcoming first impression. It also suggests keeping chi energy from being drained by keeping toilet seats down and bathroom doors closed. Additionally, it advises placing the master bed in a position of honor and using soothing paint colors in the bedroom. The dining room should have a clear, attractive table to promote family togetherness. Finally, clean windows allow the best view of the home.
The document provides 8 steps for buying a home:
1) Decide to buy and overcome fears of not being able to afford your dream home. Buying your first home gets you closer to your dream home through building equity.
2) Hire a real estate agent who will educate you, guide you to suitable homes, and represent your interests.
3) Secure financing by understanding affordable mortgage payments based on your income, expenses, and down payment options.
4) Find your home by creating criteria for location, size, condition, neighborhood, and features important to you.
5) Make a competitive offer at or below fair market value as determined by recent local sales.
6) Perform due diligence ins
This document discusses factors to consider when deciding whether to rent or buy a home. It outlines some key pros and cons of renting versus owning, including that mortgage payments may be lower than rent, owning allows for customization and building equity over time, but renting provides more flexibility. It also provides tips for first-time homebuyers, including getting pre-approved for a mortgage loan and establishing good credit.
This document is the copyright page and contents list for a book titled "Ultimate Home Buyers Guide" published by CelebrityPress. It provides information on copyright and publishing details for the book. The contents list previews 15 chapters on topics related to home buying such as hiring an agent, home buying strategies, negotiations, common mistakes to avoid, and more.
1. The document provides information for first time home buyers on the steps involved in purchasing a home, including obtaining mortgage approval, finding a home, making an offer, negotiations, inspections, appraisal, title work, and closing.
2. It discusses the advantages of home ownership, defining search criteria for finding a home, tips for working with a realtor, the mortgage qualification and approval process, and requirements for condo/HOA purchases.
3. The key steps are outlined as obtaining mortgage pre-approval, working with a realtor to find a suitable home, making an initial offer, potentially negotiating terms, completing inspections and appraisal, handling title work, and finalizing the purchase at closing
Homebuying seminar for realtors to useheatherjs821
This homebuying seminar provides information to help families make the right decision for homeownership. It discusses the benefits of owning over renting, getting pre-approved for a loan, choosing a realtor, making an offer, and completing the closing process. Resources are also included to help with the homebuying process.
This document provides an overview of key considerations for buying a home, including reasons to buy a home in the fall, current trends in home prices and mortgage interest rates, the benefits of hiring a real estate professional, common real estate terminology, and the financial benefits of homeownership. The main points covered are that home prices are projected to continue rising, mortgage rates are low but expected to increase, real estate professionals can guide buyers through the complex home buying process, and owning a home provides tax advantages and equity building over renting.
Finding The Perfect Home A Buyers Guidefcraiubotan
This document provides guidance for potential home buyers on preparing to purchase a home. It discusses determining whether renting or buying is best, creating a budget, saving for a down payment, additional costs of homeownership, getting pre-approved for a mortgage, choosing a real estate agent, and hunting for the perfect house. The document outlines key factors to consider at each stage of the home buying process from initial preparation through closing on a home purchase.
The document provides information to first-time home buyers about the home buying process. It discusses getting pre-qualified for a mortgage, finding a property and making an offer, negotiating the offer, completing due diligence and financing contingencies, arranging a home inspection, and preparing documents for closing. The closing process involves signing documents, paying closing costs, and taking ownership of the home. The document aims to educate buyers on navigating the process and addressing potential issues that may arise.
First Time Home Buyer Guide (NC and SC edition)Terry McDonald
This document provides guidance for first-time home buyers on getting started with the home buying process. It covers determining if you are ready to buy, assessing what you can afford, finding trusted real estate partners like a buyer's agent, and how to conduct an effective home search. The key steps outlined are understanding renting vs buying, getting your finances and credit in order, deciding on the type of home and location that fits your needs and budget, and then leveraging real estate professionals to view suitable properties and make a competitive offer.
U2015 6453 Sidney v Employsure - decision Emma Sidney
This document summarizes an unfair dismissal case between Emma Sidney and her former employer Employsure Pty Ltd. Sidney injured her back at work in November 2014 and returned to modified duties in March 2015. In June 2015, the Talent Manager at Employsure, Michael Morris, met with Sidney and informed her that day that her employment was being terminated due to incapacity to perform the inherent requirements of her role. Sidney claimed unfair dismissal. The Commissioner found that Employsure did not have a valid reason for dismissal as Morris, who is not a medical professional, made assessments of Sidney's injury and capacity without a proper medical evaluation. Sidney was also not notified that her ongoing employment would be considered at the meeting.
The document discusses the traits of effective leaders such as vision, passion, motivation, communication skills, and empowering others. It provides examples of successful leaders like Bill Gates, Richard Branson, and Steve Jobs who demonstrated traits like clear vision, empowerment, determination, innovation, and passion. Leaders are defined as those who influence others to accomplish goals through these leadership qualities and empowering a team.
DIGR: A Defense Independent Rating of NHL Goaltenders using Spatially Smoothe...Sloan Sports Conference
This document presents a new statistical methodology called DIGR (Defense Independent Goalie Rating) to compare NHL goaltenders' performance while accounting for the different shot distributions each goalie faces. It uses spatially smoothed save percentage maps of shot locations and types, calculates each goalie's predicted save rate on a standardized shot distribution, and ranks goaltenders based on their DIGR score. Applying this to 2009-10 NHL goalies found some "big winners" and "big losers" compared to their actual save percentages that year, suggesting DIGR provides a more fair comparison of goalie performance.
This document compares the load flow analysis results of the IEEE 39-bus test system in four different power system simulation tools: NEPLAN, PowerWorld, MATPOWER, and PSAT. Graphs of the bus voltage magnitudes and phases obtained from each tool are presented, with the standard results provided for comparison. The goal is to model and evaluate the test system in these tools for analyzing how accurately they perform load flow analysis.
The document provides a skills profile summary for an IT Manager/Service Delivery Manager named Suresh Manickam with over 15 years of experience in IT service delivery management and project planning/execution. It details his work history and accomplishments in various roles at companies like Accenture, Citigroup, and educational institutions. Key skills listed include project management, requirement gathering, delivery management, system administration, and client relationship management.
Real Estate CRM software consolidates customer information into a single database for easy access and management. It records customer interactions, automates workflows, and allows managers to track performance. The document discusses a web-based and mobile-based Real Estate CRM solution for small-to-medium real estate businesses that provides requirements for the industry with quick ROI. Key features include click-to-call, quality call recording, IVR integration, and compatibility across devices and browsers.
The document discusses optimal power flow analysis which is power flow analysis with an optimization objective such as minimizing fuel costs or transmission losses. It describes power flow analysis as determining the voltage magnitude and angle for each bus given load and generator conditions. Optimal power flow aims to satisfy nonlinear equality constraints from load flow equations and inequality constraints while optimizing an objective function such as fuel costs. Common solution methods include gradient, Newton-based, and linear programming approaches as well as intelligent methods like artificial neural networks.
SAP Hybris Summit is our annual event welcoming customers and partners to gain exclusive insight into the latest Hybris innovations. We make a point to recognize our vibrant ecosystem of world-class partners who worked with us in the past year. And now... drum roll please... the Nominees for the 2015 SAP Hybris Partner Awards! Winners will be announced February 15th live at SAP Hybris Summit 2016. Congratulations to all the nominees!
Yourfirsthomebythebookseminar 090616113558 Phpapp01Scott Davis
The document provides information about buying a home, including fears about affording it and facts addressing those fears. It outlines an $8,000 tax credit for first-time home buyers and eligibility requirements. It then discusses the eight steps to home ownership, including deciding to buy, hiring an agent, securing financing, finding a home, making an offer, due diligence, closing, and protecting the investment.
The document provides a summary of common mistakes made by first-time home buyers and tips to avoid them. The top 5 mistakes are: 1) Not asking their lender enough questions to get the best mortgage deal. 2) Not making a quick buying decision and losing out to other offers. 3) Not finding the right real estate agent to guide them through the process. 4) Not making their offer appealing to sellers. 5) Not considering how long they plan to stay in the home and the costs of eventual resale. The document stresses the importance of working with knowledgeable professionals and doing thorough research to avoid costly errors when purchasing a first home.
This document provides tips on how to prepare a home for sale using feng shui principles to appeal to buyers. It recommends paying special attention to the front door area to create a welcoming first impression. It also suggests keeping chi energy from being drained by keeping toilet seats down and bathroom doors closed. Additionally, it advises placing the master bed in a position of honor and using soothing paint colors in the bedroom. The dining room should have a clear, attractive table to promote family togetherness. Finally, clean windows allow the best view of the home.
The document provides 8 steps for buying a home:
1) Decide to buy and overcome fears of not being able to afford your dream home. Buying your first home gets you closer to your dream home through building equity.
2) Hire a real estate agent who will educate you, guide you to suitable homes, and represent your interests.
3) Secure financing by understanding affordable mortgage payments based on your income, expenses, and down payment options.
4) Find your home by creating criteria for location, size, condition, neighborhood, and features important to you.
5) Make a competitive offer at or below fair market value as determined by recent local sales.
6) Perform due diligence ins
This document discusses factors to consider when deciding whether to rent or buy a home. It outlines some key pros and cons of renting versus owning, including that mortgage payments may be lower than rent, owning allows for customization and building equity over time, but renting provides more flexibility. It also provides tips for first-time homebuyers, including getting pre-approved for a mortgage loan and establishing good credit.
This document is the copyright page and contents list for a book titled "Ultimate Home Buyers Guide" published by CelebrityPress. It provides information on copyright and publishing details for the book. The contents list previews 15 chapters on topics related to home buying such as hiring an agent, home buying strategies, negotiations, common mistakes to avoid, and more.
1. The document provides information for first time home buyers on the steps involved in purchasing a home, including obtaining mortgage approval, finding a home, making an offer, negotiations, inspections, appraisal, title work, and closing.
2. It discusses the advantages of home ownership, defining search criteria for finding a home, tips for working with a realtor, the mortgage qualification and approval process, and requirements for condo/HOA purchases.
3. The key steps are outlined as obtaining mortgage pre-approval, working with a realtor to find a suitable home, making an initial offer, potentially negotiating terms, completing inspections and appraisal, handling title work, and finalizing the purchase at closing
Homebuying seminar for realtors to useheatherjs821
This homebuying seminar provides information to help families make the right decision for homeownership. It discusses the benefits of owning over renting, getting pre-approved for a loan, choosing a realtor, making an offer, and completing the closing process. Resources are also included to help with the homebuying process.
This document provides an overview of key considerations for buying a home, including reasons to buy a home in the fall, current trends in home prices and mortgage interest rates, the benefits of hiring a real estate professional, common real estate terminology, and the financial benefits of homeownership. The main points covered are that home prices are projected to continue rising, mortgage rates are low but expected to increase, real estate professionals can guide buyers through the complex home buying process, and owning a home provides tax advantages and equity building over renting.
Finding The Perfect Home A Buyers Guidefcraiubotan
This document provides guidance for potential home buyers on preparing to purchase a home. It discusses determining whether renting or buying is best, creating a budget, saving for a down payment, additional costs of homeownership, getting pre-approved for a mortgage, choosing a real estate agent, and hunting for the perfect house. The document outlines key factors to consider at each stage of the home buying process from initial preparation through closing on a home purchase.
The document provides information to first-time home buyers about the home buying process. It discusses getting pre-qualified for a mortgage, finding a property and making an offer, negotiating the offer, completing due diligence and financing contingencies, arranging a home inspection, and preparing documents for closing. The closing process involves signing documents, paying closing costs, and taking ownership of the home. The document aims to educate buyers on navigating the process and addressing potential issues that may arise.
First Time Home Buyer Guide (NC and SC edition)Terry McDonald
This document provides guidance for first-time home buyers on getting started with the home buying process. It covers determining if you are ready to buy, assessing what you can afford, finding trusted real estate partners like a buyer's agent, and how to conduct an effective home search. The key steps outlined are understanding renting vs buying, getting your finances and credit in order, deciding on the type of home and location that fits your needs and budget, and then leveraging real estate professionals to view suitable properties and make a competitive offer.
U2015 6453 Sidney v Employsure - decision Emma Sidney
This document summarizes an unfair dismissal case between Emma Sidney and her former employer Employsure Pty Ltd. Sidney injured her back at work in November 2014 and returned to modified duties in March 2015. In June 2015, the Talent Manager at Employsure, Michael Morris, met with Sidney and informed her that day that her employment was being terminated due to incapacity to perform the inherent requirements of her role. Sidney claimed unfair dismissal. The Commissioner found that Employsure did not have a valid reason for dismissal as Morris, who is not a medical professional, made assessments of Sidney's injury and capacity without a proper medical evaluation. Sidney was also not notified that her ongoing employment would be considered at the meeting.
The document discusses the traits of effective leaders such as vision, passion, motivation, communication skills, and empowering others. It provides examples of successful leaders like Bill Gates, Richard Branson, and Steve Jobs who demonstrated traits like clear vision, empowerment, determination, innovation, and passion. Leaders are defined as those who influence others to accomplish goals through these leadership qualities and empowering a team.
DIGR: A Defense Independent Rating of NHL Goaltenders using Spatially Smoothe...Sloan Sports Conference
This document presents a new statistical methodology called DIGR (Defense Independent Goalie Rating) to compare NHL goaltenders' performance while accounting for the different shot distributions each goalie faces. It uses spatially smoothed save percentage maps of shot locations and types, calculates each goalie's predicted save rate on a standardized shot distribution, and ranks goaltenders based on their DIGR score. Applying this to 2009-10 NHL goalies found some "big winners" and "big losers" compared to their actual save percentages that year, suggesting DIGR provides a more fair comparison of goalie performance.
This document compares the load flow analysis results of the IEEE 39-bus test system in four different power system simulation tools: NEPLAN, PowerWorld, MATPOWER, and PSAT. Graphs of the bus voltage magnitudes and phases obtained from each tool are presented, with the standard results provided for comparison. The goal is to model and evaluate the test system in these tools for analyzing how accurately they perform load flow analysis.
The document provides a skills profile summary for an IT Manager/Service Delivery Manager named Suresh Manickam with over 15 years of experience in IT service delivery management and project planning/execution. It details his work history and accomplishments in various roles at companies like Accenture, Citigroup, and educational institutions. Key skills listed include project management, requirement gathering, delivery management, system administration, and client relationship management.
Real Estate CRM software consolidates customer information into a single database for easy access and management. It records customer interactions, automates workflows, and allows managers to track performance. The document discusses a web-based and mobile-based Real Estate CRM solution for small-to-medium real estate businesses that provides requirements for the industry with quick ROI. Key features include click-to-call, quality call recording, IVR integration, and compatibility across devices and browsers.
The document discusses optimal power flow analysis which is power flow analysis with an optimization objective such as minimizing fuel costs or transmission losses. It describes power flow analysis as determining the voltage magnitude and angle for each bus given load and generator conditions. Optimal power flow aims to satisfy nonlinear equality constraints from load flow equations and inequality constraints while optimizing an objective function such as fuel costs. Common solution methods include gradient, Newton-based, and linear programming approaches as well as intelligent methods like artificial neural networks.
SAP Hybris Summit is our annual event welcoming customers and partners to gain exclusive insight into the latest Hybris innovations. We make a point to recognize our vibrant ecosystem of world-class partners who worked with us in the past year. And now... drum roll please... the Nominees for the 2015 SAP Hybris Partner Awards! Winners will be announced February 15th live at SAP Hybris Summit 2016. Congratulations to all the nominees!
Yourfirsthomebythebookseminar 090616113558 Phpapp01Scott Davis
The document provides information about buying a home, including fears about affording it and facts addressing those fears. It outlines an $8,000 tax credit for first-time home buyers and eligibility requirements. It then discusses the eight steps to home ownership, including deciding to buy, hiring an agent, securing financing, finding a home, making an offer, due diligence, closing, and protecting the investment.
Oltersdorf Realty Home Buying Presentation, Leelanau, Grand Traverse, Travers...Oltersdorf Realty, LLC
Please take a moment to browse our detailed guide for homebuyers geared especially towards first time home buyers in the Traverse City region (Leelanau and Grand Traverse County). The combination of decreased home values, low interest rates, and federal incentives make this a very attractive time to purchase your first home or to be a move up buyer. Topics covered include: The current Traverse City real estate market, the buying process, buy vs. rent, tax incentives, home buyer credit, finding an agent, securing a loan, and protecting your investment. Please visit http://www.oltersdorf.com for additional information!
The document provides a step-by-step guide for purchasing a first home. It discusses: 1) deciding to buy and whether renting or owning makes more financial sense; 2) hiring a real estate agent to help with the process; 3) getting pre-approved for financing and determining a price range; 4) starting the home search and defining needs and wants; 5) making an offer on a home; 6) conducting inspections and due diligence; 7) completing the closing process; and 8) caring for the home after purchase to protect the investment. The guide emphasizes working with an agent and only offering a price based on fair market value based on recent comparable sales.
HOW CANADIAN RENTERS CAN BENEFIT FROM RENT TO OWN OPTIONSStreetwise Homes
This presentation goes through some of the many benefits that Canadian Renters could have by choosing to use Rent to Own to Purchase their home. Things such as having your rent go towards the purchase, Repairing damaged credit, Not having the home price climb out of reach.
This document discusses the benefits of homeownership over renting. It summarizes that rent payments over several years will likely exceed the total cost of a mortgage. Mortgage rates remain low and many financing options exist to make purchasing affordable. Homeownership provides tax advantages as mortgage interest and property taxes are deductible. Additionally, homes generally appreciate in value over time. The document recommends speaking with a real estate agent or broker to determine if homeownership is financially feasible given an individual's situation.
This document discusses the benefits of homeownership over renting. It notes that home prices, incomes and mortgage rates currently make it an excellent time to buy a home. It also highlights the tax advantages of homeownership, including deducting property taxes and mortgage interest from taxable income. Additionally, it notes that home values generally appreciate over time. The document encourages readers to carefully consider their financial situation and available mortgage options to determine if homeownership is attainable.
First Time Home Buyer's Guide - KM Realty Group LLCTammy Jackson
The process of buying a home can be overwhelming at times, but you don't need to go through it alone.
You may be wondering if now is a good time to buy a home… or if you should continue renting. The free eGuide below will answer many of your questions and likely bring up a few things you didn't even know you should consider when buying a home.
Have questions? Contact us today.
✅ https://kmrealtygroup.net/contact-us/
You’re thinking of buying a home? Congratulations -- it’s an exciting
process. And it can be a lot of fun. You get to envision the type
of lifestyle you want for yourself (and your family). Do you want
a beautiful two-story home close to your work? Do you want a
modern, stylish condo in the heart of downtown? Are you yearning
to live near the beach, the mountains, restaurants, good schools,
museums, or family?
One of the greatest things about purchasing your own home is
that you get to make it yours. Even before you move in, you’re in
charge of making the decisions about which home you will buy.
It’s a powerful feeling -- having total control. But it can also be a bit
overwhelming, especially when you’re doing it for the first time.
That’s why we wrote this guide. We want to make purchasing a home
less scary and give you the confidence to move forward through
each step of the process -- from beginning to end, when you move into your new home!
This document provides an overview of things to consider when buying a home, including reasons to buy a home in the fall, the housing market outlook, tips for finding a dream home, benefits of owning versus renting, and information on mortgages, interest rates, and down payments. It emphasizes the value of working with a real estate professional to have an expert on your side during the home buying process.
This document provides information for potential home buyers on factors to consider when buying a home. It discusses how home prices and mortgage interest rates are projected to rise in the coming years, making current conditions favorable for buying. It also notes that homeowners pay down their own principal over time rather than a landlord's. The document emphasizes the importance of using a real estate professional to negotiate the best deal and avoid risks when purchasing a home. Rising rents are also discussed as a factor that can trap renters and make homeownership a relatively cheaper option in many markets.
This document discusses factors to consider when buying a home, including:
- 4 reasons to buy a home this fall: home prices will continue rising, mortgage interest rates are projected to increase, owning a home means paying your own mortgage principal rather than a landlord's, and it's time to move on with your life.
- Getting pre-approved for a mortgage before home shopping shows sellers you're serious and can help speed up the process.
- Common misconceptions around down payments and credit scores needed to qualify for a mortgage. In many areas, a 3% down payment is possible in under 2 years of saving.
- The mortgage process involves paperwork to thoroughly verify a buyer's income, assets
This document provides an overview of the home buying process, including determining affordability and readiness, shopping for a home and loan, and the closing process. Key points covered include:
- Factors to consider in determining if you are ready to buy a home and what price range is affordable based on income and expenses.
- Roles of real estate agents, attorneys, and lenders in the home buying process.
- Important terms to consider in a sales agreement such as the mortgage clause, settlement costs, and inspections.
- Steps for shopping for a loan including different loan types and programs, the Good Faith Estimate, and settlement services.
- Details on closing including the HUD-
Thinking about buying a home in San Diego? Here is a great guide to help you. The process of buying a home a home can be overwhelming at times, but you don't need to go through it alone.
This document provides information for home buyers on things to consider when buying a home. It includes articles on reasons to buy a home now rather than wait, how rising rents can trap renters, and how interest rates and home prices are projected to change over the next year. It emphasizes the importance of working with a real estate professional given the complexities of today's housing market. The document also addresses common misconceptions about what is actually required to qualify for a mortgage.
This document provides information about buying a home, including:
- 4 reasons to buy a home this fall, such as prices continuing to rise and interest rates projected to increase.
- How rising rents can trap renters and make buying a home more affordable long-term.
- How to consider the long-term cost of a home rather than just the price when buying.
- Recent data on home price appreciation nationally and by state over the last year.
- Why using a real estate professional is important when buying a home.
Are You Thinking About Buying a Home | KM Realty Group LLCTammy Jackson
The process of buying a home can be overwhelming at times, but you don't need to go through it alone.
You may be wondering if now is a good time to buy a home or if interest rates are projected to rise or fall. The free eGuide below will answer many of your questions and likely bring up a few things you didn't even know you should consider when buying a home.
Have questions? Contact us today.
✅ https://kmrealtygroup.net/contact-us/
The 11 steps to buying a home include: 1) doing research on home styles and prices in your target area; 2) determining your budget and getting prequalified for a mortgage; 3) finding a real estate agent to help with the process; 4) looking at homes that fit your criteria; 5) making an offer on a home once you find one you like; 6) getting a home inspection; 7) having the home appraised; 8) obtaining home insurance; 9) completing necessary paperwork; and 10) finalizing the sale. Following these steps in order helps ensure a smooth home buying process.
This document provides tips and information for home buyers. It discusses reasons to buy a home in winter like prices continuing to rise and mortgage rates remaining low. It also covers what to expect from the home buying process like inspections, closing costs, hiring a real estate professional and more. The document provides market statistics and forecasts on home prices, inventory and mortgage rates. It emphasizes the benefits of working with a real estate professional and being pre-approved before starting your home search.
36,778 sq. ft. building; Zoning: SE (Suburban Employment): The (SE) District allows numerous commercial site uses; Passenger elevator; Private and common restrooms; Fully sprinkled; Data center with a grounded floor and a specialized HVAC system; 60 KVA back-up generator; Building/pylon signage; Potential to purchase adjacent parcels; Sale Price: $4,413,360
Signature Global TITANIUM SPR | 3.5 & 4.5BHK High rise Apartments in Gurgaonglobalsignature2022
Signature Global TITANIUM SPR launched a high rise apartments in Gurgaon . In this project Signature Global offers 3.5 & 4.5 BHK high rise Apartment at sector 71 Gurgaon SPR Road. Signature Global Titanium SPR is IGBC Gold certified, a testament to our commitment to sustainability.
Why is Revit MEP Outsourcing considered an as good option for construction pr...MarsBIM1
Outsourcing MEP modeling services require effective collaboration and coordination amongst multiple engineering trades. The engineers and the designers often change the details of the MEP projects, but the work of Revit MEP drafting services is having the master plan and model of the complete project. To have proper coordination and installation, there is a need to execute the project effectively. Hence, the work of Revit family creation facilitates the MEP engineers.
Stark Builders: Where Quality Meets Craftsmanship!shuilykhatunnil
At Stark Builders our vision is to redefine the renovation experience by combining both stunning design and high quality construction skills. We believe that by delivering both these key aspects together we are able to achieve incredible results for our clients and ensure every project reflects their vision and enhances their lifestyle.
Although we are not all related by blood we have created a team of highly professional and hardworking individuals who share the common goal of delivering beautiful and functional renovated spaces. Our tight nit team are able to work together in a way where we pour our passion into each and every project as we have a love for what we do. Building is our life.
Listing Turkey - Piyalepasa Istanbul CatalogListing Turkey
We are working around the clock to transform a long-time dream into reality. As a result, Piyalepasa Istanbul will be the largest privately developed urban regeneration project in Turkey.
THE NEIGHBORHOOD WE HAVE BEEN LONGING FOR IS COMING TO LIFE
The good old days of the Piyalepasa neighborhood are being brought back to life with Piyalepasa Istanbul houses, residences, offices, hotels and a pedestrianized shopping avenue.
The wide streets of this 82.000 square meter development conveniently face the main boulevard in a prime Beyoglu location. “Piyalepaşa İstanbul” stands out as the only project designed to offer a neighborhood lifestyle, complete with its grocers, bagel sellers and greengrocer. Piyalepasa Istanbul has all the values to make it an authentic neighborhood, our very own community.
A NEIGHBORHOOD FULL OF LIFE, IN THE HEART OF THE CITY!
“Piyalepaşa İstanbul” is a “mixed-use” concept containing all the elements for a vibrant social life with houses, residences, offices, hotels and high street shopping.
“Piyalepaşa İstanbul” will take the liveliness of Istanbul into its heart. The elegant sparkle of Nisantasi, the young and colorful Besiktas, the variety and multicultural heritage of Istiklal Street will all be contained within the streets of this neighborhood.
“Piyalepaşa İstanbul” bears traces of the most beautiful examples of Turkish architecture from the Seljuks to the Ottomans and from Anatolia to Rumelia. With its graded facades, wide eaves, bay windows, pools, and interior courtyard systems, it offers a new living space without disrupting the city’s silhouette and neighborhood.
“Piyalepaşa İstanbul” is the new attraction of this splendid city.
TO BE AT THE CENTER OF ISTANBUL… THIS IS REAL LUXURY!
With its proximity to D-100 highway, connecting roads and tunnels, “Piyalepaşa İstanbul” is only minutes away from Kabatas, Besiktas, the Golden Horn and Karakoy.
“Piyalepaşa İstanbul” is close to the prestigious new Istanbul Court House, a major hospital, the Perpa trade center and the city’s most lively neighborhoods. With its shuttle service to Okmeydani Metrobus station, Sishane and the Court House subway stations, “Piyalepaşa İstanbul” will provide you with the most convenient transport connections.
https://listingturkey.com/property/piyalepasa-istanbul/
Anilesh Ahuja Pioneering a Paradigm Shift in Real Estate Success.pptxneilahuja668
Anilesh Ahuja journey is a testament to the power of vision, resilience, and unwavering determination. As a visionary leader, he continues to inspire and empower others to dream big and challenge the status quo. His legacy extends far beyond the realm of real estate, leaving an indelible mark on the industry and the world at large.
Living in an UBER World - June '24 Sales MeetingTom Blefko
June 2024 Lancaster County Sales Meeting for Berkshire Hathaway HomeServices Homesale Realty covering the following topics: 1. VA Suspends Buyer Agent Payment Plan (article), 2. Frequently Used Terms in title, 3. Zillow Showcase Overview, 4. QuickBuy commission promotion, 5. Documenting Cooperative Compensation, 6. NAR's Code of Ethics - Mass Media Solicitations, 7. Is it really cheaper to rent? 8. Do's and Don't's when Terminating the Agreement of Sale, 9. Living in an UBER World
Andhra Pradesh, known for its strategic location on the southeastern coast of India, has emerged as a key player in India’s industrial landscape. Over the decades, the state has witnessed significant growth across various sectors,
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
Sunrise Infra Properties Company Profile Pradeep.pdf
Your First Home by the Book
1. The Proven Path to Home Ownership
YOUR FIRST HOME
Home Buying
by the Book
JESUS A. GARCIA
REALTOR® | CalBRE
#01959406
760.884.7058 direct
760.291.1276 fax
jesusgarciarealestate@gmail.com
www.JesusGarciaRealEstate.com
2. Your First Home: Home Buying by the Book
Introduction
After Hurricane Katrina destroyed their
beloved New Orleans, many former residents
were asked the following question:
Besides “L-O-V-E” what do you identify as the
most important four-letter word?
The unanimous answer was simply …
“H-O-M-E”
3. Your First Home: Home Buying by the Book
Introduction
Think of a few words to describe what
having a home of your own means to you.
Let’s take a few moments to share our
thoughts aloud.
4. Your First Home: Home Buying by the Book
Overview
Today we’ll talk about some common fears
and helpful facts about buying a home.
We’ll also discuss eight simple steps to
successful home ownership.
5. Your First Home: Home Buying by the Book
Fears and Facts About Buying a
Home
Fear: I can’t afford to buy a home right now.
Fact: Actually, you can’t afford not to buy a
home right now.
Appears on Page
6
6. Your First Home: Home Buying by the Book
Fears and Facts About Buying a
Home
Fear: I should wait until the real estate market
gets better.
Fact: There is never a wrong time to buy the
right home.
Appears on Page
7
7. Your First Home: Home Buying by the Book
Fears and Facts About Buying a
Home
Fear: I don’t have the money for the down
payment.
Fact: There are a variety of down payment
options available to you.
Appears on Page
7
8. Your First Home: Home Buying by the Book
Fears and Facts About Buying a
Home
Fear: I can’t afford to buy my dream home.
Fact: The best way to get closer to buying your
dream home is to buy your first home.
Appears on Page
8
9. Your First Home: Home Buying by the Book
Eight Steps to Home Ownership
1. Decide to buy.
2. Hire your agent.
3. Secure financing.
4. Find your home.
5. Make an offer.
6. Perform due diligence.
7. Close.
8. Protect your investment. Appears on Page
19
10. Your First Home: Home Buying by the Book
Decide to Buy
Financial net worth comparison, according
to the U.S. Federal Reserve Board of
Consumer Finance:
Average net worth of renters = $4,000
Average net worth of home owners = $184,400
Appears on Page
10
11. Your First Home: Home Buying by the Book
A home is the largest financial asset most
people have due to equity and appreciation
over time.
Average annual appreciation rate nationally is 4 to 6
percent since 1977. (Note: Local appreciation rates vary
greatly.)
At 3% annual appreciation, a home purchased for
$150,000 would grow to $364,000 in 30 years.
Even at 1.5% annual appreciation, this same home
would still grow from $150,000 to $234,462 in 30 years.
Decide to Buy
12. Your First Home: Home Buying by the Book
Decide to Buy
Buying your first home is an emotional
decision—“Home is where the heart is.”
A home represents your personal tastes and
provides a haven of stability and security for both
you and
your loved ones.
Provides a pride of home ownership, because it’s
yours.
13. Your First Home: Home Buying by the Book
Decide to Buy
It’s also a rational decision—“Home is where
your wealth is.”
Grow wealth via equity buildup, debt pay down,
and value appreciation.
In the United States, you can take advantage of
tax-deductible benefits such as property and
mortgage interest write-offs.
14. Your First Home: Home Buying by the Book
Decide to Buy
“Home is where your wealth is.” (continued)
A home is an “accidental” investment that creates
leverage opportunities.
Examples:
In a few years, you can use your equity to
trade up to a better home.
Or, you might consider using some of your home
equity to invest in a rental property or a second
home.
15. Your First Home: Home Buying by the Book
Decide to Buy
Why pay rent when you can own?
If you took out a 30-year fixed-rate mortgage for
$150,000 and made monthly mortgage payments
of $900…
You’d pay $324,000 in mortgage and interest
payments over the life of the loan.
And after 30 years you’d own a home with an
appreciated value potential of $364,000 (at 3%
annual appreciation).
Keep in mind: Appreciation rates vary greatly based
on local conditions.
Appears on Page
14
16. Your First Home: Home Buying by the Book
Decide to Buy
Compare that to paying $800 per month in rent
over 30 years…
Even if your landlord improbably never raised
rent,
you would still spend $288,000 and own
nothing!
Appears on Page
14
17. Your First Home: Home Buying by the Book
Hire Your Agent
Real estate agents perform 7 main roles:
1. Educate you about the market
2. Analyze your wants and needs
3. Steer you to homes that fit your criteria
4. Coordinate the work of other needed professionals
5. Negotiate on your behalf
6. Review paperwork and deadlines
7. Solve any problems that may arise
Appears on Page
27
18. Your First Home: Home Buying by the Book
Hire Your Agent
Advantages of a buyer’s representation
agreement:
Sets mutual expectations in writing between
you and your agent.
Commits your agent to getting you into the
home you want, while you commit to working
exclusively with your agent.
Appears on Page
32
19. Your First Home: Home Buying by the Book
Secure Financing
Six steps to financing a home:
1. Choose a loan officer (or mortgage specialist).
2. Make a loan application and get preapproved.
3. Determine what you want to pay and select a
loan option.
4. Submit to the lender an accepted purchase offer
contract.
5. Get an appraisal and title commitment.
6. Obtain funding at closing.
Appears on Page
39
20. Your First Home: Home Buying by the Book
Secure Financing
Know your mortgage options.
Three basic factors:
1. Down payment
2. Interest rate
3. Term
Appears on Page
48
21. Your First Home: Home Buying by the Book
Secure Financing
Understanding your monthly payment:
Principal
Interest
Taxes
Insurance
Together, these four elements are commonly
referred to as PITI.
Appears on Page
58
22. Your First Home: Home Buying by the Book
Secure Financing
Prequalification vs. preapproval
Prequalification is simply a rough estimate of
how much you can borrow.
Preapproval involves a formal application
process and provides you with a formal
commitment from a lender stating how much
you can borrow and at what rate.
Appears on Page
60
23. Your First Home: Home Buying by the Book
Secure Financing
Deciding among your mortgage options:
If you want…
A low monthly payment – put more money down or
purchase a more affordable home.
A low down payment – secure a second mortgage or
an “80-15-5” piggyback.
To build equity quickly – make voluntary prepayments.
To minimize risk – take a 30-year fixed-rate program
with 20 percent down.
Appears on Page
60
24. Your First Home: Home Buying by the Book
Secure Financing
The suitcase principle
Your lender decides what you can borrow, but you
decide what you can afford.
In your preapproval letter, make sure the monthly
payment is an amount you’re comfortable paying each
month.
It’s best to spend no more than a third of your gross
monthly income on your home payment.
Appears on page 64
25. Your First Home: Home Buying by the Book
Find Your Home
Define your home criteria—analyze your values,
needs, and wants.
Consult with your agent to understand the rules of
your market.
Appears in Chapter 4
26. Your First Home: Home Buying by the Book
Find Your Home
When viewing a home, what you consider and
what your agent considers are different.
You’ll want to look for…
Layout, space, a sense of value, convenience of
location to work and schools, and features and
amenities.
Your agent will look for…
How the home compares in terms of size, layout, and
value to other homes in the area, as well as
maintenance
and structural concerns. Appears on Page 85
27. Your First Home: Home Buying by the Book
Make an Offer
Three components of an offer
Price—offer must reflect true market value of
the home.
Terms—six basic categories address timing
and financial considerations.
Contingencies—often referred to as
“conditions” that allow you to opt out of a deal if
the home has a problem.
Appears on Page 91
28. Your First Home: Home Buying by the Book
Make an Offer
Appears on Page
93
What’s a fair price?
Let’s take a look at a pricing scenario on the
next slide.
30. Your First Home: Home Buying by the Book
Perform Due Diligence
Property inspection—exposes any structural or
hidden issues.
Home owner’s insurance policy—protects
against loss or damage.
31. Your First Home: Home Buying by the Book
Perform Due Diligence
In your inspection, it’s the big stuff that really
matters.
Cracks or crumbling in the foundation
Cracks inside the house over windows
Water stains in ceilings, floors, or walls
Faded or worn shingles
Mold issues
Appears on Page 111
32. Your First Home: Home Buying by the Book
Close
Preclosing responsibilities include:
Appraisal, survey, title search, and title
insurance.
Keeping yourself mortgage worthy!
Doing a final walk-through of home.
Countdown to closing includes:
Getting your settlement statement, certified
funds, evidence of insurance, and transfer
of clear title.
Appears in Chapter 7
33. Your First Home: Home Buying by the Book
Protect Your Investment
Two keys to good home habits:
1. Keep it clean.
Perform routine maintenance on your home’s
systems, depending on their age and style.
2. Keep an eye on it.
Watch for signs of leaks, damage, and wear.
Fixing small problems early can save you big
money later.
Tip: Keep a file of receipts for your repairs.
Appears on Page 133
34. Your First Home: Home Buying by the Book
Thank you
Thank you for your time and good luck with your
home search.
Keller Williams associate contact info
Name: Jesus A. Garcia
Email: jesusgarciarealestate@gmail.com
Phone Number: 760-884-7058