SMART ESSENTIALS FOR BUYING A HOME

SMART ESSENTIALS FOR BUYING A HOME
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SMART ESSENTIALS FOR BUYING A HOME shares everything you ever need to know to buy a home today…and skips the filler you don't need. We know your time is precious. in this SMART ESSENTIALS you'll find concise, practical, insider buying strategies to accomplish the six smart steps every home buyer must get right: Find the right TEAM of buyer's agent and mortgage pro to be on your side. Nail down a smart home-buying BUDGET, but not buy more home than you need. Make your MONEY work harder with the perfect loan for your financial situation. SHOP only homes that fit your budget and lifestyle to maximize your appreciation potential. NEGOTIATE counteroffers like a riverboat gambler to get the best contract. Avoid costly last-minute CLOSING mistakes that can kill your deal. In a nutshell: SMART ESSENTIALS makes you money buying the home of your dreams for the best price, saves you time buying the right home to fit your needs while keeping resale in mind, plus shows you how to avoid all-too-common mistakes that can cost you serious money. About The Author Amy J. Hausman is a freelancer and marketing professional with over 15 years experience writing and editing newsletters, blogs and books for real estate and mortgage professionals and home buying and selling consumers. Drawing on her experience as a homeowner and real estate investor, SMART ESSENTIALS FOR BUYING A HOME: How To Get The Best Price And The Lowest Payment is her first book. SMART ESSENTIALS FOR BUYING FORECLOSURES: Finding Hidden Bargains For Home Or Profit is her second title in the series. Both titles are available in paperback, hardcover and eBook editions at www.SmartEssentials.com. About The Series If you want to get smarter for less, then SMART ESSENTIAL guides are all you need. SMART ESSENTIALS are designed for readers that appreciate smart, useful, distilled information that goes straight to the point. Certainly, you can swim through the tides of endless online articles searching for useful information. Yes, you can slog through full-length how-to books trying to glean the chapters you really need hidden in the general filler. But SMART ESSENTIALS readers are too smart for that. If you want the information now; if you want it smartly presented; if you want it current for today’s market and mostly if you want your information short, concentrated and applicable to your situation – then you want SMART ESSENTIALS. Visit www.SmartEssentials.com for more how-to articles, in-depth Smarties’ Stories, smart discussions and more books.

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Amy J. Hausman. SMART ESSENTIALS FOR BUYING A HOME

UPFRONT

CHAPTER 1 :: BUY SMART

12 ESSENTIAL KEYS TO BUYING A HOME

TOP TIPS TO HOME SHOP SMARTER, FASTER, CHEAPER

HOME BUYING 101 ESSENTIAL TRUTHS

CHAPTER 2 :: TEAM

TEAM PART 1: SELECT A TOP-NOTCH REALTOR

TEAM PART 2: SELECT AN OUTSTANDING LENDER

CHAPTER 3 :: BUDGET

NURTURE YOUR CREDIT LIKE YOUR FIRST BORN

3 STEPS TO CORRAL DOWN PAYMENT AND CLOSING CASH

SMART GUIDE TO GOOD DEBT VERSUS BAD DEBT

HOW A CO-SIGNER CAN BE RED BULL FOR A BUYER’S FINANCES

6 EASY STEPS TO KNOW HOW MUCH HOME YOU CAN AFFORD

HOW TAXES INCREASE BUYING POWER

CHAPTER 4 :: MONEY

SELECT THE RIGHT LOAN FOR YOUR SPECIFIC SITUATION

9 MUST-ASK Questions TO PICK A WINNER LOAN

SMART HOME BUYERS GET MORTGAGE PRE-APPROVAL FIRST

6 MUST-DO’S TO AVOID LENDER REJECTION

CHAPTER 5 :: SHOP

7 CARDINAL RULES FOR TODAY’S BUYERS TO SELL SMART TOMORROW

HOW TO SIZE UP NEW LOCATIONS FROM A DISTANCE

5 MUST-KNOW TIPS BEFORE YOU START HOUSE HUNTING

TAKE A CLOSER LOOK WITH A DO-IT-YOURSELF PRE-INSPECTION

CHAPTER 6 :: NEGOTIATE

HOW TO CRAFT AN IRRESISTIBLE PURCHASE OFFER

CONTINGENCIES PROTECT YOUR POSITION IN A HOME PURCHASE

MULTIPLE PURCHASE OFFERS COULD WORK TO YOUR ADVANTAGE

HOW TO USE COUNTEROFFERS TO SECURE YOUR PERFECT HOME

CHAPTER 7 :: CLOSE

SURVIVAL GUIDE TO MINIMIZE COSTS FROM CONTRACT TO CLOSING

HOW TO AVOID SABOTAGING YOUR MORTGAGE CLOSING

WHAT TO EXPECT AT SETTLEMENT OR CLOSING

About The Series

About The Team

Smartie’s Creed

Smart Talk

More Titles In Best-Selling SMART ESSENTIALS Series

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More Titles In Best-Selling SMART ESSENTIALS (TM) Series

<> SMART ESSENTIALS(TM) FOR SELLING YOUR HOME: How To Get The Highest Price In The Shortest Time

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5. Prioritize rooms. Consider and rank the importance of rooms and features in the home you are looking for. Is the four-bedrooms requirement a must or a would-like? Is an eat-in kitchen necessary, or would a counter area that seats four be sufficient? Is a first-floor master bedroom totally a deal breaker? Understand the “wants versus needs” on your house hunting list before you set out. That way, when you find that gem of a home, you’ll be ready to make an immediate offer.

6. Look ahead. If the homes you view are hard to see past the clutter, needed repairs or personal belongings, take a moment to step back and imagine what your furniture and belongings will look like in the space. Don’t be overwhelmed when not seeing a perfectly staged home. By looking beyond the existing contents of a home, you may find the perfect home — and get it for a great price — because no one else can see through the owners’ stuff.

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