Benefits of Owning Your Own Home

• The Best Investment
• Income Tax Savings
• Stable Monthly Housing Costs
• Forced Savings
• Freedom and Individualism
• More Space

• Don't Move Money Around
• The Effect of Changing Jobs
• No Major Purchases of Any Kind!

• When Income Grows and You Want to Buy "Stuff"
• Debt-to-Income Ratios and Car Payments
• How Buying a Car Reduces Your Purchase Price

• Recession and Expansion
• Supply and Demand
• Should You Try to "Time the Market"?

• Determining Your Offer Price
• Comparable Sales in the Public Record
• Comparable Sales in the Multiple Listing Service
• Comparable Sales - Pending Transactions
• Other Factors Influencing Your Offer Price

• How Property Condition Affects Your Offer
• How Home Improvements Affect Your Offer
• How Market Conditions Affect Your Offer
• How Seller Motivation Affects Your Offer
• The Final Decision on Your Offer Price

• Writing an Offer to Purchase Real Estate
• Contingencies in a Purchase Offer
• Earnest Money Deposit
• The Closing Date
• Transfer of Possession

• Disclosures From the Seller
• Condition of Property Upon Transfer
• Inspections You Should Require
• Final Walk-Through Inspection

• Down Payment
• Interest Rates
• Seller Financing
• Cash Offers
• Other Financing Details in Your Offer

How VA and FHA Loans Affect Your Offer

• Extra Costs to the Seller
• VA and FHA Appraisals

Selecting Service Providers

• You and the Seller Must Agree
• Escrow and Settlement
• Title Insurance
• Termite and Pest Inspection

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Eight steps to buying your home

Deciding how much house you can afford

Creating your home wishlist

Location, Location, Location

Opting for new home construction

How can a real estate agent help me?

Eight important questions to ask your agent

Mortgage Calculator

Contact us about buying a home