Home Buying Kit for Dummies:
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Newark
John Wiley & Sons, Incorporated
2020
|
| Ausgabe: | 7th ed |
| Schlagworte: | |
| Beschreibung: | Description based on publisher supplied metadata and other sources |
| Beschreibung: | 1 online resource (451 pages) |
| ISBN: | 9781119674818 |
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| 505 | 8 | |a Intro -- Title Page -- Copyright Page -- Table of Contents -- 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 -- Ownership advantages -- Renting advantages -- The Pitfalls of the Rent-versus-Buy Decision -- Renting because it seems cheaper -- Fretting too much over job security -- Buying when you expect to move soon -- Succumbing to pushy salespeople -- Ignoring logistics -- Overbuying -- Underbuying -- Buying because it's a grown-up thing to do -- Buying because you're afraid that escalating prices will lock you out -- Misunderstanding what you can afford -- Chapter 2 Getting Your Financial House in Order -- Surveying Your Spending -- Gathering the data -- Analyzing your spending numbers -- Reckoning Your Savings Requirements -- Setting some goals -- Retirement-savings accounts and a dilemma -- Other reasons to save -- Protecting Yourself, Your Dependents, and Your Assets -- Insuring yourself -- Insuring 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 -- Mortgage payments -- Property taxes -- Insurance -- Maintenance and other costs -- The tax benefits of homeownership -- Closing Costs -- Accumulating the Down Payment -- The 20 percent solution -- Ways to buy with less money down -- Where to invest the down payment -- Chapter 4 Why Home Prices Rise and Fall -- What Drives Real Estate Markets and Prices? -- Jobs, glorious jobs -- Available housing -- Inventory of homes for sale and actual sales -- The rental market -- Tax rules and changes -- How to Get a Good Buy in Any Market | |
| 505 | 8 | |a Seek hidden opportunities to add value -- Buy when others are scared to buy -- Find a motivated seller -- Buy during slow periods -- Become a great negotiator -- Buy in a good neighborhood -- Part 2 Financing 101 -- Chapter 5 Understanding and Improving Your Credit Score -- The Record You Can't Ignore: Your Credit Report -- What your credit history comprises -- What goes into your credit report -- Why you should check your credit report -- The Most Popular Kid on the Block: FICO Scores -- How scores work - the short version -- How a FICO score assesses your credit history - the long version -- What FICO scores ignore -- Why your score is what it is -- 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 -- Distinguishing fixed-rate mortgages from adjustables -- Looking at hybrid loans -- Starting out risky: Interest-only mortgages -- Making the fixed/adjustable decision -- Deciding on your loan's life: 15 years or 30? -- Finding a Fixed-Rate Mortgage -- The all-important interest rate -- The finer points of points -- Other lender fees -- Arriving at the Absolute Best Adjustable -- Where an ARM's interest rate comes from -- How often does the interest rate adjust? -- Limits on interest-rate adjustments -- Locating the Best, Lowest-Cost Lenders -- Shopping on your own -- Working with a mortgage broker -- Chapter 7 Mortgage Quandaries, Conundrums, and Forms -- Overcoming Common Mortgage Problems -- Insufficient income -- Debt and credit problems -- Dealing with Appraisal Problems -- You've overpaid -- The appraiser doesn't know your area -- The appraiser/lender is sandbagging you -- Those Darn Mortgage Forms -- The laundry list of required documents -- Permissions to inspect your finances -- The Uniform Residential Loan Application | |
| 505 | 8 | |a I. Borrower information -- II. Financial information - Assets and liabilities -- III. Financial information - Real estate -- IV. Loan and property information -- V. Declarations -- VI. Acknowledgments and agreements -- VII. Demographic information -- Other typical documents -- Part 3 Property, Players, and Prices -- Chapter 8 Where and What to Buy -- Location, Location, Value -- Characteristics of good neighborhoods -- Selecting your best neighborhood -- Fundamental Principles for Selecting Your Home -- The principle of progression: Why to buy one of the cheaper homes on the block -- The principle of regression: Why not to buy the most expensive house on the block -- The principle of conformity: Why unusual is usually costly -- Defining Home Sweet Home -- Detached residences -- Attached residences -- Finding a Great Deal -- Finding a fixer-upper -- Taking over a foreclosure -- Seeking a short sale -- Pooling Your Resources: Ad Hoc Partnerships -- Types of residential co-ownership -- Structuring a successful co-ownership -- Chapter 9 Assembling an All-Star Real Estate Team -- The Team Concept -- Lining up the players -- Avoiding gratuitous advice -- Reeling in a Real Estate Agent -- Types of agent relationships -- How agents get paid -- Characteristics of good agents -- Selecting your agent -- Getting the most from your agent -- Bagging a Broker -- Landing a Lender -- Procuring Property Inspectors -- Electing an Escrow Officer -- Finding (or Forgoing) Financial and Tax Advisors -- Looking for Lawyers -- Selecting your lawyer -- Getting the most out of a lawyer -- Chapter 10 What's It Worth? -- Preparing to Tour an Endless Parade of Homes -- The Three Elusive Components of Worth -- Value is a moving target -- Cost is yesterday -- Price is what it's worth today -- Fair Market Value -- When fair market value isn't fair - need-based pricing | |
| 505 | 8 | |a Median home prices versus fair market value -- Determining Fair Market Value: Comparable Market Analysis -- The basics of a helpful CMA -- The flaws of CMAs -- Getting a Second Opinion: Appraisals versus CMAs -- Why Buyers and Sellers Often Start Far Apart -- Inept agents -- Unrealistic sellers -- Chapter 11 Tapping the Internet's Best Resources -- Finding Useful Information -- Get your feet wet at Realtor.com -- Discover more at these sites -- Doing Some Preliminary Shopping -- Surveying homes for sale -- Watching out for sites promoting foreclosures -- Sifting through school information -- Perusing "best places" to live -- Familiarizing yourself with financing options -- The Drawbacks of Searching for Houses in Cyberspace -- Conflicts of interest -- Bankruptcies -- Misleading home-valuation tools -- Untrustworthy mortgage calculators -- Part 4 Making the Deal -- Chapter 12 Negotiating Your Best Deal -- Understanding and Coping with Your Emotions -- Examining the violent forces at work -- Controlling yourself -- The Art of Negotiating -- Being realistic -- Examining your negotiating style -- Negotiating with finesse -- The Negotiating Process -- Making an offer to purchase -- Leaving an escape hatch: Contingencies -- Getting a counteroffer -- The Finer Points of Negotiating -- Negotiating when the playing field isn't level -- Spotting fake sellers -- Lowballing -- Negotiating credits in escrow -- Chapter 13 Inspecting and Protecting Your Home -- Conducting Thorough Inspections -- All properties should be inspected -- The two types of defects: Patent and latent -- Patent defect red flags -- Types of property inspections -- Inspecting inspectors -- Insuring Your Home -- Homeowners insurance -- Title insurance -- Chapter 14 It Ain't Over till the Weight-Challenged Escrow Officer Sings -- An Escrow Is a Good Thing -- Know thy escrow officer | |
| 505 | 8 | |a Cover all the bases -- 'Tis the season: December escrows -- Follow through -- How You Take Title Is Vital -- Joint tenancy -- Community property -- Tenants-in-common -- Getting help drafting an agreement -- Getting Possessive -- Moving day -- Final verification of condition -- 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 | |
| 505 | 8 | |a Appendix B Sample Short-Sale Addendum plus Short-Sale Information and Advisory | |
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Datensatz im Suchindex
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| author | Tyson, Eric |
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| bvnumber | BV047693380 |
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| contents | Intro -- Title Page -- Copyright Page -- Table of Contents -- 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 -- Ownership advantages -- Renting advantages -- The Pitfalls of the Rent-versus-Buy Decision -- Renting because it seems cheaper -- Fretting too much over job security -- Buying when you expect to move soon -- Succumbing to pushy salespeople -- Ignoring logistics -- Overbuying -- Underbuying -- Buying because it's a grown-up thing to do -- Buying because you're afraid that escalating prices will lock you out -- Misunderstanding what you can afford -- Chapter 2 Getting Your Financial House in Order -- Surveying Your Spending -- Gathering the data -- Analyzing your spending numbers -- Reckoning Your Savings Requirements -- Setting some goals -- Retirement-savings accounts and a dilemma -- Other reasons to save -- Protecting Yourself, Your Dependents, and Your Assets -- Insuring yourself -- Insuring 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 -- Mortgage payments -- Property taxes -- Insurance -- Maintenance and other costs -- The tax benefits of homeownership -- Closing Costs -- Accumulating the Down Payment -- The 20 percent solution -- Ways to buy with less money down -- Where to invest the down payment -- Chapter 4 Why Home Prices Rise and Fall -- What Drives Real Estate Markets and Prices? -- Jobs, glorious jobs -- Available housing -- Inventory of homes for sale and actual sales -- The rental market -- Tax rules and changes -- How to Get a Good Buy in Any Market Seek hidden opportunities to add value -- Buy when others are scared to buy -- Find a motivated seller -- Buy during slow periods -- Become a great negotiator -- Buy in a good neighborhood -- Part 2 Financing 101 -- Chapter 5 Understanding and Improving Your Credit Score -- The Record You Can't Ignore: Your Credit Report -- What your credit history comprises -- What goes into your credit report -- Why you should check your credit report -- The Most Popular Kid on the Block: FICO Scores -- How scores work - the short version -- How a FICO score assesses your credit history - the long version -- What FICO scores ignore -- Why your score is what it is -- 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 -- Distinguishing fixed-rate mortgages from adjustables -- Looking at hybrid loans -- Starting out risky: Interest-only mortgages -- Making the fixed/adjustable decision -- Deciding on your loan's life: 15 years or 30? -- Finding a Fixed-Rate Mortgage -- The all-important interest rate -- The finer points of points -- Other lender fees -- Arriving at the Absolute Best Adjustable -- Where an ARM's interest rate comes from -- How often does the interest rate adjust? -- Limits on interest-rate adjustments -- Locating the Best, Lowest-Cost Lenders -- Shopping on your own -- Working with a mortgage broker -- Chapter 7 Mortgage Quandaries, Conundrums, and Forms -- Overcoming Common Mortgage Problems -- Insufficient income -- Debt and credit problems -- Dealing with Appraisal Problems -- You've overpaid -- The appraiser doesn't know your area -- The appraiser/lender is sandbagging you -- Those Darn Mortgage Forms -- The laundry list of required documents -- Permissions to inspect your finances -- The Uniform Residential Loan Application I. Borrower information -- II. Financial information - Assets and liabilities -- III. Financial information - Real estate -- IV. Loan and property information -- V. Declarations -- VI. Acknowledgments and agreements -- VII. Demographic information -- Other typical documents -- Part 3 Property, Players, and Prices -- Chapter 8 Where and What to Buy -- Location, Location, Value -- Characteristics of good neighborhoods -- Selecting your best neighborhood -- Fundamental Principles for Selecting Your Home -- The principle of progression: Why to buy one of the cheaper homes on the block -- The principle of regression: Why not to buy the most expensive house on the block -- The principle of conformity: Why unusual is usually costly -- Defining Home Sweet Home -- Detached residences -- Attached residences -- Finding a Great Deal -- Finding a fixer-upper -- Taking over a foreclosure -- Seeking a short sale -- Pooling Your Resources: Ad Hoc Partnerships -- Types of residential co-ownership -- Structuring a successful co-ownership -- Chapter 9 Assembling an All-Star Real Estate Team -- The Team Concept -- Lining up the players -- Avoiding gratuitous advice -- Reeling in a Real Estate Agent -- Types of agent relationships -- How agents get paid -- Characteristics of good agents -- Selecting your agent -- Getting the most from your agent -- Bagging a Broker -- Landing a Lender -- Procuring Property Inspectors -- Electing an Escrow Officer -- Finding (or Forgoing) Financial and Tax Advisors -- Looking for Lawyers -- Selecting your lawyer -- Getting the most out of a lawyer -- Chapter 10 What's It Worth? -- Preparing to Tour an Endless Parade of Homes -- The Three Elusive Components of Worth -- Value is a moving target -- Cost is yesterday -- Price is what it's worth today -- Fair Market Value -- When fair market value isn't fair - need-based pricing Median home prices versus fair market value -- Determining Fair Market Value: Comparable Market Analysis -- The basics of a helpful CMA -- The flaws of CMAs -- Getting a Second Opinion: Appraisals versus CMAs -- Why Buyers and Sellers Often Start Far Apart -- Inept agents -- Unrealistic sellers -- Chapter 11 Tapping the Internet's Best Resources -- Finding Useful Information -- Get your feet wet at Realtor.com -- Discover more at these sites -- Doing Some Preliminary Shopping -- Surveying homes for sale -- Watching out for sites promoting foreclosures -- Sifting through school information -- Perusing "best places" to live -- Familiarizing yourself with financing options -- The Drawbacks of Searching for Houses in Cyberspace -- Conflicts of interest -- Bankruptcies -- Misleading home-valuation tools -- Untrustworthy mortgage calculators -- Part 4 Making the Deal -- Chapter 12 Negotiating Your Best Deal -- Understanding and Coping with Your Emotions -- Examining the violent forces at work -- Controlling yourself -- The Art of Negotiating -- Being realistic -- Examining your negotiating style -- Negotiating with finesse -- The Negotiating Process -- Making an offer to purchase -- Leaving an escape hatch: Contingencies -- Getting a counteroffer -- The Finer Points of Negotiating -- Negotiating when the playing field isn't level -- Spotting fake sellers -- Lowballing -- Negotiating credits in escrow -- Chapter 13 Inspecting and Protecting Your Home -- Conducting Thorough Inspections -- All properties should be inspected -- The two types of defects: Patent and latent -- Patent defect red flags -- Types of property inspections -- Inspecting inspectors -- Insuring Your Home -- Homeowners insurance -- Title insurance -- Chapter 14 It Ain't Over till the Weight-Challenged Escrow Officer Sings -- An Escrow Is a Good Thing -- Know thy escrow officer Cover all the bases -- 'Tis the season: December escrows -- Follow through -- How You Take Title Is Vital -- Joint tenancy -- Community property -- Tenants-in-common -- Getting help drafting an agreement -- Getting Possessive -- Moving day -- Final verification of condition -- 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 |
| ctrlnum | (ZDB-30-PQE)EBC6133826 (ZDB-30-PAD)EBC6133826 (ZDB-89-EBL)EBL6133826 (OCoLC)1145557661 (DE-599)BVBBV047693380 |
| dewey-full | 643.12 |
| dewey-hundreds | 600 - Technology (Applied sciences) |
| dewey-ones | 643 - Housing and household equipment |
| dewey-raw | 643.12 |
| dewey-search | 643.12 |
| dewey-sort | 3643.12 |
| dewey-tens | 640 - Home and family management |
| discipline | Agrar-/Forst-/Ernährungs-/Haushaltswissenschaft / Gartenbau Wirtschaftswissenschaften |
| discipline_str_mv | Agrar-/Forst-/Ernährungs-/Haushaltswissenschaft / Gartenbau Wirtschaftswissenschaften |
| edition | 7th ed |
| format | Electronic eBook |
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That Is the Interest(ing) Question -- Distinguishing fixed-rate mortgages from adjustables -- Looking at hybrid loans -- Starting out risky: Interest-only mortgages -- Making the fixed/adjustable decision -- Deciding on your loan's life: 15 years or 30? -- Finding a Fixed-Rate Mortgage -- The all-important interest rate -- The finer points of points -- Other lender fees -- Arriving at the Absolute Best Adjustable -- Where an ARM's interest rate comes from -- How often does the interest rate adjust? -- Limits on interest-rate adjustments -- Locating the Best, Lowest-Cost Lenders -- Shopping on your own -- Working with a mortgage broker -- Chapter 7 Mortgage Quandaries, Conundrums, and Forms -- Overcoming Common Mortgage Problems -- Insufficient income -- Debt and credit problems -- Dealing with Appraisal Problems -- You've overpaid -- The appraiser doesn't know your area -- The appraiser/lender is sandbagging you -- Those Darn Mortgage Forms -- The laundry list of required documents -- Permissions to inspect your finances -- The Uniform Residential Loan Application</subfield></datafield><datafield tag="505" ind1="8" ind2=" "><subfield code="a">I. Borrower information -- II. Financial information - Assets and liabilities -- III. Financial information - Real estate -- IV. Loan and property information -- V. Declarations -- VI. Acknowledgments and agreements -- VII. Demographic information -- Other typical documents -- Part 3 Property, Players, and Prices -- Chapter 8 Where and What to Buy -- Location, Location, Value -- Characteristics of good neighborhoods -- Selecting your best neighborhood -- Fundamental Principles for Selecting Your Home -- The principle of progression: Why to buy one of the cheaper homes on the block -- The principle of regression: Why not to buy the most expensive house on the block -- The principle of conformity: Why unusual is usually costly -- Defining Home Sweet Home -- Detached residences -- Attached residences -- Finding a Great Deal -- Finding a fixer-upper -- Taking over a foreclosure -- Seeking a short sale -- Pooling Your Resources: Ad Hoc Partnerships -- Types of residential co-ownership -- Structuring a successful co-ownership -- Chapter 9 Assembling an All-Star Real Estate Team -- The Team Concept -- Lining up the players -- Avoiding gratuitous advice -- Reeling in a Real Estate Agent -- Types of agent relationships -- How agents get paid -- Characteristics of good agents -- Selecting your agent -- Getting the most from your agent -- Bagging a Broker -- Landing a Lender -- Procuring Property Inspectors -- Electing an Escrow Officer -- Finding (or Forgoing) Financial and Tax Advisors -- Looking for Lawyers -- Selecting your lawyer -- Getting the most out of a lawyer -- Chapter 10 What's It Worth? -- Preparing to Tour an Endless Parade of Homes -- The Three Elusive Components of Worth -- Value is a moving target -- Cost is yesterday -- Price is what it's worth today -- Fair Market Value -- When fair market value isn't fair - need-based pricing</subfield></datafield><datafield tag="505" ind1="8" ind2=" "><subfield code="a">Median home prices versus fair market value -- Determining Fair Market Value: Comparable Market Analysis -- The basics of a helpful CMA -- The flaws of CMAs -- Getting a Second Opinion: Appraisals versus CMAs -- Why Buyers and Sellers Often Start Far Apart -- Inept agents -- Unrealistic sellers -- Chapter 11 Tapping the Internet's Best Resources -- Finding Useful Information -- Get your feet wet at Realtor.com -- Discover more at these sites -- Doing Some Preliminary Shopping -- Surveying homes for sale -- Watching out for sites promoting foreclosures -- Sifting through school information -- Perusing "best places" to live -- Familiarizing yourself with financing options -- The Drawbacks of Searching for Houses in Cyberspace -- Conflicts of interest -- Bankruptcies -- Misleading home-valuation tools -- Untrustworthy mortgage calculators -- Part 4 Making the Deal -- Chapter 12 Negotiating Your Best Deal -- Understanding and Coping with Your Emotions -- Examining the violent forces at work -- Controlling yourself -- The Art of Negotiating -- Being realistic -- Examining your negotiating style -- Negotiating with finesse -- The Negotiating Process -- Making an offer to purchase -- Leaving an escape hatch: Contingencies -- Getting a counteroffer -- The Finer Points of Negotiating -- Negotiating when the playing field isn't level -- Spotting fake sellers -- Lowballing -- Negotiating credits in escrow -- Chapter 13 Inspecting and Protecting Your Home -- Conducting Thorough Inspections -- All properties should be inspected -- The two types of defects: Patent and latent -- Patent defect red flags -- Types of property inspections -- Inspecting inspectors -- Insuring Your Home -- Homeowners insurance -- Title insurance -- Chapter 14 It Ain't Over till the Weight-Challenged Escrow Officer Sings -- An Escrow Is a Good Thing -- Know thy escrow officer</subfield></datafield><datafield tag="505" ind1="8" ind2=" "><subfield code="a">Cover all the bases -- 'Tis the season: December escrows -- Follow through -- How You Take Title Is Vital -- Joint tenancy -- Community property -- Tenants-in-common -- Getting help drafting an agreement -- Getting Possessive -- Moving day -- Final verification of condition -- 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</subfield></datafield><datafield tag="505" ind1="8" ind2=" "><subfield code="a">Appendix B Sample Short-Sale Addendum plus Short-Sale Information and Advisory</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">House buying-United States</subfield></datafield><datafield tag="650" ind1="0" ind2="7"><subfield code="a">Hauskauf</subfield><subfield code="0">(DE-588)4023774-6</subfield><subfield code="2">gnd</subfield><subfield code="9">rswk-swf</subfield></datafield><datafield tag="655" ind1=" " ind2="7"><subfield code="0">(DE-588)4048476-2</subfield><subfield code="a">Ratgeber</subfield><subfield code="2">gnd-content</subfield></datafield><datafield tag="689" ind1="0" ind2="0"><subfield code="a">Hauskauf</subfield><subfield code="0">(DE-588)4023774-6</subfield><subfield code="D">s</subfield></datafield><datafield tag="689" ind1="0" ind2=" "><subfield code="5">DE-604</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Brown, Ray</subfield><subfield code="e">Sonstige</subfield><subfield code="4">oth</subfield></datafield><datafield tag="776" ind1="0" ind2="8"><subfield code="i">Erscheint auch als</subfield><subfield code="n">Druck-Ausgabe</subfield><subfield code="a">Tyson, Eric</subfield><subfield code="t">Home Buying Kit for Dummies</subfield><subfield code="d">Newark : John Wiley & Sons, Incorporated,c2020</subfield><subfield code="z">9781119674795</subfield></datafield><datafield tag="912" ind1=" " ind2=" "><subfield code="a">ZDB-30-PQE</subfield></datafield><datafield tag="999" ind1=" " ind2=" "><subfield code="a">oai:aleph.bib-bvb.de:BVB01-033077373</subfield></datafield></record></collection> |
| genre | (DE-588)4048476-2 Ratgeber gnd-content |
| genre_facet | Ratgeber |
| id | DE-604.BV047693380 |
| illustrated | Not Illustrated |
| index_date | 2024-07-03T18:57:26Z |
| indexdate | 2024-07-10T09:19:20Z |
| institution | BVB |
| isbn | 9781119674818 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-033077373 |
| oclc_num | 1145557661 |
| open_access_boolean | |
| physical | 1 online resource (451 pages) |
| psigel | ZDB-30-PQE |
| publishDate | 2020 |
| publishDateSearch | 2020 |
| publishDateSort | 2020 |
| publisher | John Wiley & Sons, Incorporated |
| record_format | marc |
| spelling | Tyson, Eric Verfasser aut Home Buying Kit for Dummies 7th ed Newark John Wiley & Sons, Incorporated 2020 ©2020 1 online resource (451 pages) txt rdacontent c rdamedia cr rdacarrier Description based on publisher supplied metadata and other sources Intro -- Title Page -- Copyright Page -- Table of Contents -- 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 -- Ownership advantages -- Renting advantages -- The Pitfalls of the Rent-versus-Buy Decision -- Renting because it seems cheaper -- Fretting too much over job security -- Buying when you expect to move soon -- Succumbing to pushy salespeople -- Ignoring logistics -- Overbuying -- Underbuying -- Buying because it's a grown-up thing to do -- Buying because you're afraid that escalating prices will lock you out -- Misunderstanding what you can afford -- Chapter 2 Getting Your Financial House in Order -- Surveying Your Spending -- Gathering the data -- Analyzing your spending numbers -- Reckoning Your Savings Requirements -- Setting some goals -- Retirement-savings accounts and a dilemma -- Other reasons to save -- Protecting Yourself, Your Dependents, and Your Assets -- Insuring yourself -- Insuring 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 -- Mortgage payments -- Property taxes -- Insurance -- Maintenance and other costs -- The tax benefits of homeownership -- Closing Costs -- Accumulating the Down Payment -- The 20 percent solution -- Ways to buy with less money down -- Where to invest the down payment -- Chapter 4 Why Home Prices Rise and Fall -- What Drives Real Estate Markets and Prices? -- Jobs, glorious jobs -- Available housing -- Inventory of homes for sale and actual sales -- The rental market -- Tax rules and changes -- How to Get a Good Buy in Any Market Seek hidden opportunities to add value -- Buy when others are scared to buy -- Find a motivated seller -- Buy during slow periods -- Become a great negotiator -- Buy in a good neighborhood -- Part 2 Financing 101 -- Chapter 5 Understanding and Improving Your Credit Score -- The Record You Can't Ignore: Your Credit Report -- What your credit history comprises -- What goes into your credit report -- Why you should check your credit report -- The Most Popular Kid on the Block: FICO Scores -- How scores work - the short version -- How a FICO score assesses your credit history - the long version -- What FICO scores ignore -- Why your score is what it is -- 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 -- Distinguishing fixed-rate mortgages from adjustables -- Looking at hybrid loans -- Starting out risky: Interest-only mortgages -- Making the fixed/adjustable decision -- Deciding on your loan's life: 15 years or 30? -- Finding a Fixed-Rate Mortgage -- The all-important interest rate -- The finer points of points -- Other lender fees -- Arriving at the Absolute Best Adjustable -- Where an ARM's interest rate comes from -- How often does the interest rate adjust? -- Limits on interest-rate adjustments -- Locating the Best, Lowest-Cost Lenders -- Shopping on your own -- Working with a mortgage broker -- Chapter 7 Mortgage Quandaries, Conundrums, and Forms -- Overcoming Common Mortgage Problems -- Insufficient income -- Debt and credit problems -- Dealing with Appraisal Problems -- You've overpaid -- The appraiser doesn't know your area -- The appraiser/lender is sandbagging you -- Those Darn Mortgage Forms -- The laundry list of required documents -- Permissions to inspect your finances -- The Uniform Residential Loan Application I. Borrower information -- II. Financial information - Assets and liabilities -- III. Financial information - Real estate -- IV. Loan and property information -- V. Declarations -- VI. Acknowledgments and agreements -- VII. Demographic information -- Other typical documents -- Part 3 Property, Players, and Prices -- Chapter 8 Where and What to Buy -- Location, Location, Value -- Characteristics of good neighborhoods -- Selecting your best neighborhood -- Fundamental Principles for Selecting Your Home -- The principle of progression: Why to buy one of the cheaper homes on the block -- The principle of regression: Why not to buy the most expensive house on the block -- The principle of conformity: Why unusual is usually costly -- Defining Home Sweet Home -- Detached residences -- Attached residences -- Finding a Great Deal -- Finding a fixer-upper -- Taking over a foreclosure -- Seeking a short sale -- Pooling Your Resources: Ad Hoc Partnerships -- Types of residential co-ownership -- Structuring a successful co-ownership -- Chapter 9 Assembling an All-Star Real Estate Team -- The Team Concept -- Lining up the players -- Avoiding gratuitous advice -- Reeling in a Real Estate Agent -- Types of agent relationships -- How agents get paid -- Characteristics of good agents -- Selecting your agent -- Getting the most from your agent -- Bagging a Broker -- Landing a Lender -- Procuring Property Inspectors -- Electing an Escrow Officer -- Finding (or Forgoing) Financial and Tax Advisors -- Looking for Lawyers -- Selecting your lawyer -- Getting the most out of a lawyer -- Chapter 10 What's It Worth? -- Preparing to Tour an Endless Parade of Homes -- The Three Elusive Components of Worth -- Value is a moving target -- Cost is yesterday -- Price is what it's worth today -- Fair Market Value -- When fair market value isn't fair - need-based pricing Median home prices versus fair market value -- Determining Fair Market Value: Comparable Market Analysis -- The basics of a helpful CMA -- The flaws of CMAs -- Getting a Second Opinion: Appraisals versus CMAs -- Why Buyers and Sellers Often Start Far Apart -- Inept agents -- Unrealistic sellers -- Chapter 11 Tapping the Internet's Best Resources -- Finding Useful Information -- Get your feet wet at Realtor.com -- Discover more at these sites -- Doing Some Preliminary Shopping -- Surveying homes for sale -- Watching out for sites promoting foreclosures -- Sifting through school information -- Perusing "best places" to live -- Familiarizing yourself with financing options -- The Drawbacks of Searching for Houses in Cyberspace -- Conflicts of interest -- Bankruptcies -- Misleading home-valuation tools -- Untrustworthy mortgage calculators -- Part 4 Making the Deal -- Chapter 12 Negotiating Your Best Deal -- Understanding and Coping with Your Emotions -- Examining the violent forces at work -- Controlling yourself -- The Art of Negotiating -- Being realistic -- Examining your negotiating style -- Negotiating with finesse -- The Negotiating Process -- Making an offer to purchase -- Leaving an escape hatch: Contingencies -- Getting a counteroffer -- The Finer Points of Negotiating -- Negotiating when the playing field isn't level -- Spotting fake sellers -- Lowballing -- Negotiating credits in escrow -- Chapter 13 Inspecting and Protecting Your Home -- Conducting Thorough Inspections -- All properties should be inspected -- The two types of defects: Patent and latent -- Patent defect red flags -- Types of property inspections -- Inspecting inspectors -- Insuring Your Home -- Homeowners insurance -- Title insurance -- Chapter 14 It Ain't Over till the Weight-Challenged Escrow Officer Sings -- An Escrow Is a Good Thing -- Know thy escrow officer Cover all the bases -- 'Tis the season: December escrows -- Follow through -- How You Take Title Is Vital -- Joint tenancy -- Community property -- Tenants-in-common -- Getting help drafting an agreement -- Getting Possessive -- Moving day -- Final verification of condition -- 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 House buying-United States Hauskauf (DE-588)4023774-6 gnd rswk-swf (DE-588)4048476-2 Ratgeber gnd-content Hauskauf (DE-588)4023774-6 s DE-604 Brown, Ray Sonstige oth Erscheint auch als Druck-Ausgabe Tyson, Eric Home Buying Kit for Dummies Newark : John Wiley & Sons, Incorporated,c2020 9781119674795 |
| spellingShingle | Tyson, Eric Home Buying Kit for Dummies Intro -- Title Page -- Copyright Page -- Table of Contents -- 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 -- Ownership advantages -- Renting advantages -- The Pitfalls of the Rent-versus-Buy Decision -- Renting because it seems cheaper -- Fretting too much over job security -- Buying when you expect to move soon -- Succumbing to pushy salespeople -- Ignoring logistics -- Overbuying -- Underbuying -- Buying because it's a grown-up thing to do -- Buying because you're afraid that escalating prices will lock you out -- Misunderstanding what you can afford -- Chapter 2 Getting Your Financial House in Order -- Surveying Your Spending -- Gathering the data -- Analyzing your spending numbers -- Reckoning Your Savings Requirements -- Setting some goals -- Retirement-savings accounts and a dilemma -- Other reasons to save -- Protecting Yourself, Your Dependents, and Your Assets -- Insuring yourself -- Insuring 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 -- Mortgage payments -- Property taxes -- Insurance -- Maintenance and other costs -- The tax benefits of homeownership -- Closing Costs -- Accumulating the Down Payment -- The 20 percent solution -- Ways to buy with less money down -- Where to invest the down payment -- Chapter 4 Why Home Prices Rise and Fall -- What Drives Real Estate Markets and Prices? -- Jobs, glorious jobs -- Available housing -- Inventory of homes for sale and actual sales -- The rental market -- Tax rules and changes -- How to Get a Good Buy in Any Market Seek hidden opportunities to add value -- Buy when others are scared to buy -- Find a motivated seller -- Buy during slow periods -- Become a great negotiator -- Buy in a good neighborhood -- Part 2 Financing 101 -- Chapter 5 Understanding and Improving Your Credit Score -- The Record You Can't Ignore: Your Credit Report -- What your credit history comprises -- What goes into your credit report -- Why you should check your credit report -- The Most Popular Kid on the Block: FICO Scores -- How scores work - the short version -- How a FICO score assesses your credit history - the long version -- What FICO scores ignore -- Why your score is what it is -- 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 -- Distinguishing fixed-rate mortgages from adjustables -- Looking at hybrid loans -- Starting out risky: Interest-only mortgages -- Making the fixed/adjustable decision -- Deciding on your loan's life: 15 years or 30? -- Finding a Fixed-Rate Mortgage -- The all-important interest rate -- The finer points of points -- Other lender fees -- Arriving at the Absolute Best Adjustable -- Where an ARM's interest rate comes from -- How often does the interest rate adjust? -- Limits on interest-rate adjustments -- Locating the Best, Lowest-Cost Lenders -- Shopping on your own -- Working with a mortgage broker -- Chapter 7 Mortgage Quandaries, Conundrums, and Forms -- Overcoming Common Mortgage Problems -- Insufficient income -- Debt and credit problems -- Dealing with Appraisal Problems -- You've overpaid -- The appraiser doesn't know your area -- The appraiser/lender is sandbagging you -- Those Darn Mortgage Forms -- The laundry list of required documents -- Permissions to inspect your finances -- The Uniform Residential Loan Application I. Borrower information -- II. Financial information - Assets and liabilities -- III. Financial information - Real estate -- IV. Loan and property information -- V. Declarations -- VI. Acknowledgments and agreements -- VII. Demographic information -- Other typical documents -- Part 3 Property, Players, and Prices -- Chapter 8 Where and What to Buy -- Location, Location, Value -- Characteristics of good neighborhoods -- Selecting your best neighborhood -- Fundamental Principles for Selecting Your Home -- The principle of progression: Why to buy one of the cheaper homes on the block -- The principle of regression: Why not to buy the most expensive house on the block -- The principle of conformity: Why unusual is usually costly -- Defining Home Sweet Home -- Detached residences -- Attached residences -- Finding a Great Deal -- Finding a fixer-upper -- Taking over a foreclosure -- Seeking a short sale -- Pooling Your Resources: Ad Hoc Partnerships -- Types of residential co-ownership -- Structuring a successful co-ownership -- Chapter 9 Assembling an All-Star Real Estate Team -- The Team Concept -- Lining up the players -- Avoiding gratuitous advice -- Reeling in a Real Estate Agent -- Types of agent relationships -- How agents get paid -- Characteristics of good agents -- Selecting your agent -- Getting the most from your agent -- Bagging a Broker -- Landing a Lender -- Procuring Property Inspectors -- Electing an Escrow Officer -- Finding (or Forgoing) Financial and Tax Advisors -- Looking for Lawyers -- Selecting your lawyer -- Getting the most out of a lawyer -- Chapter 10 What's It Worth? -- Preparing to Tour an Endless Parade of Homes -- The Three Elusive Components of Worth -- Value is a moving target -- Cost is yesterday -- Price is what it's worth today -- Fair Market Value -- When fair market value isn't fair - need-based pricing Median home prices versus fair market value -- Determining Fair Market Value: Comparable Market Analysis -- The basics of a helpful CMA -- The flaws of CMAs -- Getting a Second Opinion: Appraisals versus CMAs -- Why Buyers and Sellers Often Start Far Apart -- Inept agents -- Unrealistic sellers -- Chapter 11 Tapping the Internet's Best Resources -- Finding Useful Information -- Get your feet wet at Realtor.com -- Discover more at these sites -- Doing Some Preliminary Shopping -- Surveying homes for sale -- Watching out for sites promoting foreclosures -- Sifting through school information -- Perusing "best places" to live -- Familiarizing yourself with financing options -- The Drawbacks of Searching for Houses in Cyberspace -- Conflicts of interest -- Bankruptcies -- Misleading home-valuation tools -- Untrustworthy mortgage calculators -- Part 4 Making the Deal -- Chapter 12 Negotiating Your Best Deal -- Understanding and Coping with Your Emotions -- Examining the violent forces at work -- Controlling yourself -- The Art of Negotiating -- Being realistic -- Examining your negotiating style -- Negotiating with finesse -- The Negotiating Process -- Making an offer to purchase -- Leaving an escape hatch: Contingencies -- Getting a counteroffer -- The Finer Points of Negotiating -- Negotiating when the playing field isn't level -- Spotting fake sellers -- Lowballing -- Negotiating credits in escrow -- Chapter 13 Inspecting and Protecting Your Home -- Conducting Thorough Inspections -- All properties should be inspected -- The two types of defects: Patent and latent -- Patent defect red flags -- Types of property inspections -- Inspecting inspectors -- Insuring Your Home -- Homeowners insurance -- Title insurance -- Chapter 14 It Ain't Over till the Weight-Challenged Escrow Officer Sings -- An Escrow Is a Good Thing -- Know thy escrow officer Cover all the bases -- 'Tis the season: December escrows -- Follow through -- How You Take Title Is Vital -- Joint tenancy -- Community property -- Tenants-in-common -- Getting help drafting an agreement -- Getting Possessive -- Moving day -- Final verification of condition -- 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 House buying-United States Hauskauf (DE-588)4023774-6 gnd |
| subject_GND | (DE-588)4023774-6 (DE-588)4048476-2 |
| title | Home Buying Kit for Dummies |
| title_auth | Home Buying Kit for Dummies |
| title_exact_search | Home Buying Kit for Dummies |
| title_exact_search_txtP | Home Buying Kit for Dummies |
| title_full | Home Buying Kit for Dummies |
| title_fullStr | Home Buying Kit for Dummies |
| title_full_unstemmed | Home Buying Kit for Dummies |
| title_short | Home Buying Kit for Dummies |
| title_sort | home buying kit for dummies |
| topic | House buying-United States Hauskauf (DE-588)4023774-6 gnd |
| topic_facet | House buying-United States Hauskauf Ratgeber |
| work_keys_str_mv | AT tysoneric homebuyingkitfordummies AT brownray homebuyingkitfordummies |