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Buyer Articles

Benefits of Owning Your Own Home
More Space
Freedom & Individualism
Forced Savings
Stable Monthly Housing Costs
Income Tax Savings
The Best Investment

Important Things To Avoid Before Buying a Home
No Major Purchase Of Any Kind
The Effect Of Changing Jobs
Don't Move Money Around

Dont Buy A Car - Or Did You Already Buy One
How a New Car Payment Reduces Your Purchase Price
Debt-to-Income Ratios and Car Payments
When Income Grows and You Want To Buy Stuff

The Business Cycle and Buying a Home
Should You Try To "Time the Market"?
Supply and Demand
Recession and Expansion

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

Major Factors Influencing your Offer Price
The Final Decision on Your Offer Price
How Seller Motivation Affects Your Offer Price
How Market Conditions Affect Your Offer Price
How Home Improvements Affect Your Offer Price
How Property Condition Affects Your Offer

Offering to Purchase Real Estate- the Basics
Transfer of Possession
The Closing Date
Earnest Money Deposit
Contingencies in a Purchase Offer
Writing an Offer to Purchase Real Estate

Writing an Offer - Safeguards Regarding the Property
Writing an Offer to Purchase Real Estate
Inspections You Should Require
Condition of the Property
Disclosures From the Seller

How Financing Details Affect Your Offer
Other Financing Details in Your Offer
Cash Offers
Seller Financing
Closing Costs and Financing Incentives
Interest Rates
Down Payment

How FHA and VA Financing Affects Your Offer
VA and FHA Appraisals
Extra Costs to the Seller

Selecting Service Providers
Termite and Pest Inspection
Title Insurance
Escrow and Settlement
You and the Seller Must Agree

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