Efnisyfirlit

• Cover
• Introduction
  • About This Book: The Eric Tyson/Ray Brown Difference
  • Icons Used in This Book
  • Beyond the Book
  • Where to Go from Here
• Part 1: Getting Started with Buying a Home
  • Chapter 1: Deciding Whether to Buy
    • Weighing the Advantages of Owning versus Renting
    • The Pitfalls of the Rent-versus-Buy Decision
  • Chapter 2: Getting Your Financial House in Order
    • Surveying Your Spending
    • Reckoning Your Savings Requirements
    • Protecting Yourself, Your Dependents, and Your Assets
    • Invest in Yourself
  • Chapter 3: What Can You Afford to Buy?
    • Lenders Can’t Tell You What You Can Afford
    • The Cost of Buying and Owning a Home
    • Closing Costs
    • Accumulating the Down Payment
  • Chapter 4: Why Home Prices Rise and Fall
    • What Drives Real Estate Markets and Prices?
    • How to Get a Good Buy in Any Market
• Part 2: Financing 101
  • Chapter 5: Understanding and Improving Your Credit Score
    • The Record You Can’t Ignore: Your Credit Report
    • The Most Popular Kid on the Block: FICO Scores
    • Getting Hold of Your Report and Score
  • Chapter 6: Selecting a Mortgage
    • Getting a Grasp on Mortgage Basics
    • Fixed or Adjustable? That Is the Interest(ing) Question
    • Finding a Fixed-Rate Mortgage
    • Arriving at the Absolute Best Adjustable
    • Locating the Best, Lowest-Cost Lenders
  • Chapter 7: Mortgage Quandaries, Conundrums, and Forms
    • Overcoming Common Mortgage Problems
    • Dealing with Appraisal Problems
    • Those Darn Mortgage Forms
• Part 3: Property, Players, and Prices
  • Chapter 8: Where and What to Buy
    • Location, Location, Value
    • Fundamental Principles for Selecting Your Home
    • Defining Home Sweet Home
    • Finding a Great Deal
    • Pooling Your Resources: Ad Hoc Partnerships
  • Chapter 9: Assembling an All-Star Real Estate Team
    • The Team Concept
    • Reeling in a Real Estate Agent
    • Bagging a Broker
    • Landing a Lender
    • Procuring Property Inspectors
    • Electing an Escrow Officer
    • Finding (or Forgoing) Financial and Tax Advisors
    • Looking for Lawyers
  • Chapter 10: What’s It Worth?
    • Preparing to Tour an Endless Parade of Homes
    • The Three Elusive Components of Worth
    • Fair Market Value
    • Determining Fair Market Value: Comparable Market Analysis
    • Getting a Second Opinion: Appraisals versus CMAs
    • Why Buyers and Sellers Often Start Far Apart
  • Chapter 11: Tapping the Internet’s Best Resources
    • Finding Useful Information
    • Doing Some Preliminary Shopping
    • The Drawbacks of Searching for Houses in Cyberspace
• Part 4: Making the Deal
  • Chapter 12: Negotiating Your Best Deal
    • Understanding and Coping with Your Emotions
    • The Art of Negotiating
    • The Negotiating Process
    • The Finer Points of Negotiating
  • Chapter 13: Inspecting and Protecting Your Home
    • Conducting Thorough Inspections
    • Insuring Your Home
  • Chapter 14: It Ain’t Over till the Weight-Challenged Escrow Officer Sings
    • An Escrow Is a Good Thing
    • How You Take Title Is Vital
    • Getting Possessive
    • Coping with Buyer’s Remorse
• Part 5: The Part of Tens
  • Chapter 15: Ten Financial “To Do’s” After You Buy
    • Stay on Top of Your Spending and Saving
    • Consider Electronic Mortgage Payments
    • Rebuild Your Emergency Reserve
    • Ignore Solicitations for Mortgage Insurance
    • Ignore Solicitations for Faster Payoff
    • Consider Protesting Your Tax Assessment
    • Refinance if Interest Rates Fall
    • Keep Receipts for All Improvements
    • Ignore Solicitations to Homestead
    • Take Time to Smell the Roses
  • Chapter 16: Ten Things to Know When Investing in Real Estate
    • Real Estate Is a Solid Long-Term Investment
    • Real Estate Investing Isn’t for Everyone
    • REITs Are Good if You Loathe Being a Landlord
    • Don’t Invest in Limited Partnerships
    • Avoid Timeshare Condos and Vacation Homes
    • Residential Properties Are Your Best Investment Option
    • Consider Fixer-Upper Income Property
    • Consider Converting Small Apartment Buildings to Condos
    • Consider the Property’s Cash Flow
    • Your Rental Losses Are Limited for Tax Purposes
  • Chapter 17: Ten Things to Consider When Selling Your House
    • Why Are You Selling?
    • Can You Afford to Buy the Next Home?
    • What’s It Worth?
    • Have You Done Your Homework to Find a Good Real Estate Agent?
    • Do You Have the Skills to Sell the House Yourself?
    • Have You Properly Prepared the House for Sale?
    • Do You Understand the House’s Hot Buttons?
    • What Are the Financial Ramifications of Selling?
    • Do You Know the Rules for Capital-Gains Taxes on the Sale of a House?
• Part 6: Appendixes
  • Appendix A: Sample Real Estate Purchase Contract
  • Appendix B: Sample Short-Sale Addendum plus Short-Sale Information and Advisory
  • Appendix C: Example of a Good Inspection Report
  • Appendix D: Glossary
• Index
• About the Authors
• Advertisement Page
• Connect with Dummies
• End User License Agreement

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