Tips for Home Buying

The home buying process is sometimes overcomplicated, owning the keys to your own home is not that hard!

* Step 1: How much you can afford

What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate. The online calculators can help and consider the following:

– How much home you can afford
– Buying vs. Renting
– Home Economics

Need help with your downpayment and/or closing costs? Check the homebuying programs in your state.

A housing counselor can help you figure out how to manage and pay off your debt, and start saving for that downpayment! Find a housing counselor near you.

Step 2: Know your rights. Discover the following:

– Fair Housing: Equal Opportunity for All – brochure
– Real Estate Settlement Procedures Act (RESPA)
– Borrower’s rights
– Predatory lending

Step 3: Shop for a loan

Save money by doing your homework. Talk to several lenders, compare costs and interest rates, negotiate to get a better deal. Consider getting pre-approved for a loan.

– Look for the best mortgage: shop, compare, negotiate
– Let FHA help you
– Learn about interest only loans
– Avoid Predatory Lenders

Step 4: Learn about homebuying programs.

Check the homebuying programs in your state. FHA loan programs offer lower downpayments and are a good option for first-time homebuyers.

Step 5: Shop for a home

– Choose a real estate agent
– Prepare a wish list – what features do you want?
– Home-shopping checklist – take this list with you when comparing homes
– Homes for sale (including HUD homes)
– ” Fixer-uppers ” – home purchase and repair programs
– Manufactured (mobile) homes
– Build a home

If you choose a home in a neighborhood with a Home Owners Association (HOA), be sure to request a copy of the HOA packet, so you can review before closing.

Step 6: Make an offer

Discuss the process with your real estate agent. If the seller counters your offer, you may need to negotiate until you both agree to the terms of the sale.

Step 7: Get a home inspection

Make your offer contingent on a home inspection. An inspection will tell you about the condition of the home, and can help you avoid buying a home that needs major repairs. For your protection get a home inspection

Step 8: Shop for homeowners insurance

Lenders require that you have homeowners insurance. Be sure to shop around.

Step 9: Sign papers

You’re finally ready to go to “settlement” or “closing.” Be sure to read everything before you sign!


For more info: Visit Call LaTosha French @ 800-446-6976 or email to for a list of homes that meet your needs.

Buying A House At 21 | How We Bought Our Home On A Single Income! Budgeting to buy a house can be difficult so here are some tips I learned from our experience in buying a home on a single income and how you can do the same!

Do you have any more tips for buying a home on a single income or budgeting for a house deposit? Feel free to comment and discuss down below! These days it is NOT easy to get a mortgage, especially when you are a young family or couple on a single income. I hope that the tips and tricks we used along the way help you to buy your first home!







→A D D M E O N S N A P C H A T

PO Box 4112
Eight Mile Plains
QLD 4113

Hi my name is Ash Jackson and on this channel I plan to post all kids of how to videos such as ‘how to lose baby weight fast’, ‘how to organise your home’, ‘how to create DIY decor and furniture on a budget’, ‘how to eat healthy on a budget’ ‘how to be a stylish mum on a budget’, ‘how to meal plan for your family’, how to create healthy family meal plans’, ‘how to workout at home with kids’ and much more. I also do Australian Family Daily Vlogs with my Aussie Vlogging Family on our separate Young Family Vlog Channel.
Video Rating: / 5

Find More Buy Home Articles

Purchasing Art for Your Home

For many homeowners, the process of filling their particular Scottsdale luxury domiciles with fine art can be more than they bargained for. Beyond comprehending interior design tips, you’ll want to discover the nuances of simple tips to purchase art that is really well worth having.

Invest some time finding locations to browse selections of artwork, because for which you purchase your art makes an impact. Galleries offering an array of artists and many pieces by each singer will give you contrast. It is possible to determine which pieces is going to work with all the design in your Scottsdale deluxe homes. When you discover a good fit, producing a theme is easy adequate if there are many pieces in an equivalent design available. Purchasing at auction is yet another selection for really serious enthusiasts. Should this be your first foray into obtaining art, you might visit an auction purely as an observer initially. Getting caught off guard at an auction can cost you a ton of money.

In the same way that you discovered a specialist agent for buying Scottsdale luxury houses, you may want to think about employing a seasoned specialist to help you with purchasing art for your estate. This option is determined by the amount of financial investment you intend to help make within art. Good art appreciates over time, and you will be capable curate yours type of conservatory while maintaining a lovely aesthetic feature of one’s Scottsdale deluxe domiciles.

No matter what particular art you select for your home, never underestimate the significance of individual style in art buying. If you value some thing and certainly will view it doing work in your property, this is certainly sufficient explanation to possess it. If months or years down the road you’re finding a new house investment, like Scottsdale deluxe domiciles, you can always take the art with you. It will take on new way life in that new room.

Established in 1995, Sandra Wilken Luxury Properties was first recognized for representing significant deluxe Homes Scottsdale, including Red Rock and Gainey Ranch.  she actually is the top rel=”nofollow” onclick=”javascript:_gaq.push([‘_trackPageview’, ‘/outgoing/article_exit_link’]);” href=””>real auctions in Scottsdale. In  recent years S.W.L.P. has exploded to service Arizona’s most prestigious communities in Scottsdale, haven Valley and Biltmore area of Phoenix.

Dealing with Home Buying Stress

Buying a home can be a most exciting experience and can be stressful as well. You have to spend a lot of your time and effort searching for homes. To avoid home buying stress, find a professional real estate agent and have a preparation.

Save time by hiring an agent, he or she will do the research for you and will help you right through the whole process. You can ask questions on the things do not understand concerning real estate property.

Have a copy of your credit report before going to a lender for mortgage so you can make corrections and improve your credits. If your credit comes out to be in good figure, then you are now ready to meet with your lender.

Most of the sellers do not accept any offer without a pre approval from a lender. This will tell you how much you can afford, monthly payment and your expected closing costs. It is better if you talk with other lenders before deciding so you can evaluate rates and the closing costs.

When your lender already told you how much home you can really afford, you have to make your mind up if you want to spend much with extra expenses such as repairs, buying furniture, and home maintenance.

When searching a home, make a shopping list to make you stay organized.

Most transactions takes about a month from the time the home is set under contract.

Get a licensed home inspector to check the condition of the property before purchasing. You will be able to find out the condition of the property and you can discuss about the repairs or agree for a price decrease

Have one last look at the home you buy to make sure it is in good condition. Before closing, it is better to find out if there are any concerns with the property so will still have time to fix some problems.


For more details on how to get great home deals, including information about Henderson Nevada Homes and more houses in Nevada area. You can also check out the complete home listings in Taylorsville Real Estate


Here is an easy way to stop paying rent or own a home that doesnt waste space or have a big impact on the environment. MORTGAGE FREE AND DEBT FREE. Getting off the grid with TINY HOMES! Live closer to nature by spending your time outside rather than inside. The tiny home movement is becoming a smarter way to live and start to become self sufficient. Look for our new tiny home in future videos. Thanks for watching
Video Rating: / 5

Related Buy Home Articles

Take Home Buying Seriously

Every good investment is worth the planning, effort, and cost. Whether it’s a short-term or a long-term investment, as long as your heart is into it, satisfaction is always guaranteed. Houses are one of those solid investments where we always put our heart into. It requires serious planning since money goes with it. We cannot take the issue of money lightly, especially nowadays. In the real estate market, you can source out competitive house buys. The architecture is tempting and the price may just be right. However, you cannot measure the worth of a good house buy merely by its dream house design and price. There are a lot of hidden factors which a house has that would make it truly your dream house. And the ways to get your dream house are just practically simple.

First, consider the neighborhood. Old as it may sound, the saying “no man is an island” still holds. You have to be surrounded by a “friendly” neighborhood even if they are not your friends. That means people should be environment-friendly, child-friendly, and pet-friendly. This way, you can say your dream house is in a safe place.

Consider also where the garage is located. Ensure you will not get wet when it rains as you alight from your car. Knock on wood, they say. Yes, knock on it to check the house for its wood’s hardness or durability. If concrete is used, check for cracks on the walls or flooring. The next step is to find the stairs. Test step on the stairs and determine if they’re user-friendly. Try checking next the safety of the doors and windows. Is there a safe fire exit? You’re almost done with checking whether that house is, indeed, your dream house. Check on the trees around the house if they’re safe. And don’t forget plumbing!

Once you have decided that everything is safe and worth the design and price, try to pay in cash. If not, you can have a loan mortgage, but this will entail interest which might not be a very nice prospect for you. It is advisable that you hire a solicitor who will guide you with the legalities in acquiring your dream house. Remember, this involves money and a lifetime commitment when you’re talking about a structure called a house. Eventually, you will call this place your home. And you should never settle for anything that will make finding your dream house a process doomed to fail.

Are you looking for a home for sale St Louis? You can find one yourself, but if you’re not knowledgeable about real estate, especially in terms of legalities, you may have to hire a professional to make the process easier and safer for you. A realtor in St Louis should be the person you need. Ask friends or scan the Internet for St Louis realtor listings.

Latest Buy Home News

Want to buy a home? You'll need £64000 a year and £46000 in savings
First-time buyers will need to earn £64,000 by 2020 to get onto the property ladder, according to calculations from Shelter. The charity said average first-time buyers will also need to raise a deposit of £46,000 to chip in for the cost of the home …

Homes on the coast: Why it's nice to buy beside the seaside
Average property prices in more than two thirds of seaside towns are 27 per cent higher than the UK average. According to, Rock in Cornwall and Salcombe in Devon are the most expensive coastal locations, with property prices averaging …
Read more on The Independent

When Are You Ready to Buy a Home?
Harold Pollack, co-author of The Index Card, explains that although owning your own home is a cornerstone of the American dream, becoming a homeowner is one of the riskiest investments you can take on. It's undiversified—all your eggs are in one …
Read more on Money Magazine

4 reasons 2016 is the year to buy a home

Blind stenographer using dictaphone (LOC)
buy home
Image by The Library of Congress
Bain News Service,, publisher.

Blind stenographer using dictaphone

1911 April 27. (date created or published later by Bain)

1 negative : glass ; 5 x 7 in. or smaller.

Title and date from data provided by the Bain News Service on the negative.
Photographer’s name (Byron, N.Y.) partially visible on negative.
Forms part of: George Grantham Bain Collection (Library of Congress).

Format: Glass negatives.

Rights Info: No known restrictions on publication.

Repository: Library of Congress, Prints and Photographs Division, Washington, D.C. 20540 USA,

General information about the Bain Collection is available at

Higher resolution image is available (Persistent URL):

Call Number: LC-B2- 2191-9

4 reasons 2016 is the year to buy a home
If you've been on the fence about buying a home, 2016 is the year to take the plunge. Mortgage rates have been bouncing around record lows for a while now. But even though they're likely to start going up, you haven't missed your chance to get a deal …
Read more on CNNMoney

4 Breathtaking Places to Buy a Home Abroad
When it comes to universal fantasies, it's near the top of the list: buying a home in an exotic land—preferably one where the U.S. dollar goes miles further, the weather is fine, and the food is fabulous. Oh, and where you can afford a truly …
Read more on News

Now Is The Best Season To Buy A Home
With increasing incidences of unruly shoppers competing over holiday sales, it could well be the best time of the year to be among the exceptionally few buying a big ticket item that both adds value and is long lasting. The big ticket item in this case …
Read more on Forbes

Opinion: Millennials are about to kick-start a homebuying boom

Opinion: Millennials are about to kick-start a homebuying boom
Add it all up, and here's the key takeaway: The biggest chunk of millennials who are more likely to buy homes are just now moving into their prime marriage and home-buying years. This will put a fresh bid in the housing market for the next several years.
Read more on MarketWatch

Talk Back: Can you afford to buy a home in Palm Beach County?
Affording a home is quickly becoming the single biggest issue in Palm Beach County. Not gas prices. Not water bills. Not electricity and cable bills. For middle-income households looking for homes in the $ 100K-$ 250K range , the hunt for a home in a …
Read more on Palm Beach Post (blog)

Plano helped fewer low-income families buy their first home than it hoped to
Plano failed to meet one of the dozen goals it set years ago for its use of federal housing funds: It couldn't help enough low-income families buy their first home. The reason: The housing market has been too cutthroat, said Shanette Brown, Plano …
Read more on Dallas Morning News (blog)

'Tis a great season to buy and sell your home
Along with enjoying holiday festivities and spending time with your family, you might want to add shopping for a home and even selling your home to your list of things to do right now. According to Sharon Voss, president of the Orlando Regional Realtor …
Read more on HousingWire

Buying an Apartment, Buying a Home

For the last six months, I have been looking for an apartment to buy. The main reason for this is that it does pay off and in the end you are investing in yourself, not just pointlessly paying the rent money to someone else.

However, finding a suitable property to buy is definitely not easy. After surviving the jungle of tens and tens of apartments, I found the one. It actually was my cousin’s apartment that he and his wife wanted to sell in order to buy a bigger one. The apartment is in no way big – it is a one bedroom with an open concept kitchen combined with the living room in need of some renovations.

Before getting into any serious apartment buying, I decided to figure out things with the bank and take a look at different options of how I could raise the value of the apartment with some minor changes. So, when I was in the bank discussing the loan, we also covered the possible renovation expenses. I’m on a budget so I wasn’t looking for any big changes such as redoing the kitchen or the bathroom. We decided on a fresh coat of paint, some feature walls, a new cooker hood, a modular wardrobe and then on redoing the fireplace which at the moment was a very simple Swedish stove. I was first a bit dubious about the costs of installing a new fireplace. I went to different stores but got the best service at Uunisepät and after going through some facts about installing a fireplace, I was surprised to find out that the cost and quality ratio of fireplaces is more than attractive. By paying a bit more for my renovation, I would get a heart to my home and at the same time raise the value of the apartment.

Now I’m discussing the mortgage with my bank and deciding whether or not I’m ready to commit myself to buying my own apartment. The idea of it is so appealing but I do realize that it is a huge thing to buy your first apartment. However, I’m happy to know that if I do decide on buying the apartment, I have the right tools and elements to make it my home – thanks to Uunisepät.


For more information visit this site :

Jennifer wants to know whether she needs to pay off more debt or purchase a home.
Video Rating: / 5

Purchasing Your First Home

Buying your first home is an amazing knowledge, but in addition an extremely challenging and complicated procedure in the event that correct research is maybe not done. This might be possibly the solitary most crucial investment that you will previously make that you know which means that you can’t go out on a whim to get a home.

There are many tips that are involved in the property procedure, but even before you start considering properties, you will need to realise the monetary factors. These monetary considerations is talked about along with your banker that will help you to comprehend the amount of you will need to get a home, give an explanation for mortgages and loans while the various other financial components of buying your first house.

Establishing A Budget

You wish to start your first time real estate experience by starting a budget. This budget will help you figure out all the costs which can be involved in purchasing a property, including application costs, solicitors expenses and other costs linked to the process.

If you think about buying property for $ 500,000 then you will have to know simply how much of a deposit is needed on such a house and just how much the particular loan will be. When you have set $ 500,000 as your total spending plan, your home which you purchase can be much less just as a result of the added extras that are often dismissed or forgotten.

Area, Location, Place

After you have set your budget, its time for you begin making a listing of the criteria your new home must satisfy. One of the main things to consider is whether or not you will buy in your area or move some other place.

Many say the positioning of a property is every little thing. That is real for all explanations, including if you’d like to be between the action, or whether you prefer a little more area around you. If you’re in a metropolitan location, this can also impact the price associated with home. If time is valuable and budget is not too much of an issue, then examine areas near in which you spend most of some time (in other words. work). But if you are on quite a strict budget, are happy to pay a while into the car or on trains and buses and love that little bit of additional room, check out the outskirts of your town or city to purchase your home.

Build vs. Buy

Oftentimes, first homebuyers will frequently neglect to explore their full choices. There are many benefits to both creating a home and purchasing a pre-existing home. About purchasing a pre-existing property, youll be able to move in practically immediately, you may encounter some structural issues eg drooping fundamentals, which can be costly to repair.

If you are creating a residence from surface up, it will be possible to select the design and layout of your house, together with the finishes and colour schemes. But this might simply take many weeks to perform, so a sudden move-in is not realistic. Oftentimes, first home buyers do like idea of building a home since it is inexpensive and allows the property become built exactly for their specs.

Nationwide Builders Group are leading residence builders throughout Victoria plus in the Melbourne Metro area. We’ve over 200 new house designs for your needs with the flexibility to improve our floor plans to suit your needs. We now have display houses located throughout Victoria.

These States Offer the Most Help for Buying a Home | – Time

These States Offer the Most Help for Buying a Home | – Time
Trying to scrounge together a down payment for a house? Your first instinct may be to hit up mom and dad. One more option you shouldn't overlook: The state where you live. Each of the 50 states has some sort of program to help homebuyers, especially …
Read more on TIME

Service lets home buyers try before they buy –
Many of us like to try before we buy: test driving a car or trying on clothes, but what about trying out a neighborhood before you buy a home? There's a new way for potential home buyers to get a feel for a neighborhood. and the home …
Read more on WTSP 10 News