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Find the right house at the right price with insider tips and advice from the experts!
Say goodbye to landlords and laundromats with Nolo's Essential Guide to Buying Your First Home. This timely title will help you find the right place to live and invest in -- and even enjoy doing it.
Filled with interesting facts, real-life stories and insights, and common pitfalls to avoid, this book provides everything you need to select the right type of home for your family, the right mortgage, the right agent, the right inspections -- and much more. Get the inside scoop on:
. deciding between a house, condo, co-op or townhouse
. exploring your local market for the best value
. creating and managing a realistic homebuying budget
. qualifying for and securing financing
. getting the right inspections and insurance
. negotiating with sellers or new home builders
. successfully closing the deal
Read through the real-world experiences of over 20 first-time homebuyers, as well as valuable insights from a team of 13 real estate professionals, including:
brokers
. attorneys who specialize in real estate
. a home inspector
. a neighborhood researcher
. a mortgage specialist
. and more!
Along with this step-by-step handbook, you'll get The Homebuyer's Toolkit, including dozens of forms and MP3s to help you find the right place, crunch the numbers, interview real estate professionals, and even borrow down payment money from your parents.
The brand new edition of Nolo's Essential Guide to Buying Your First Home is fully updated to reflect the dramatically changed housing market, with emphasis on how to do the right kind of research before deciding on a price and the terms of your offer. It also includes a new discussion of what to expect when you're looking for financing.
Are you a California resident? Check out How to Buy a House in California - Download forms for book at nolo.com
- Sales Rank: #172663 in Books
- Brand: Brand: Nolo
- Published on: 2012-12-28
- Original language: English
- Number of items: 1
- Dimensions: 8.99" h x .95" w x 7.06" l, 1.50 pounds
- Binding: Paperback
- 440 pages
- Used Book in Good Condition
Review
""Takes the guesswork out of home buying... two thumbs up!"" Elizabeth Weintraub Home Buying & Selling Guide, About.com
""On my scale of one to 10, this superb book rates a off-the-chart 12"". Robert Bruss bobbruss.com
“Nolo’s excellent guide for novice home buyers provides fresh, updated information about the whole process that even those in the know will find useful.” Library Journal
""You could ask the landlord to pay a commission to your agent, ""but if the landlord feels like, 'Hell, I'm paying a commission, I'm going to put it on the market,' you could lose what could be a really good deal,"" says Ilona Bray, co-author of ""Nolo's Essential Guide to Buying Your First Home."" Guide to buying condo from your landlord, Kathleen Pender, San Francisco Chronicle
Most helpful customer reviews
38 of 43 people found the following review helpful.
Excellent Help & Know How (Reviewed by a 2nd Time Home Owner aged 32)
By H. Twitchell
In case you missed the title of my review, I'm a second time home owner who's 32. And... I was stupid enough the first go round with my choice of purchase and in not getting a home inspection. The result of those poor choices resulted in the night of my mortgage signing I was ripping down ceiling to wall curtains only to find out the house had been flooded by rain and not even the previous owners knew of it because the curtains hid the damage. I'd walked the property multiple times while it was occupied and thought I could forego that oh-so-important inspection. Well, learn from me... DON'T DO IT! :) What I purchased was a 5th floor condo in a well established building. In the course of my ten year ownership the fees have increased almost yearly to nearly $100 higher than the original fee upon purchase. We also were assessed several hundred dollars by the association to make necessary repairs to the building on top of those monthly maintenance fees. My recommendation: I don't care what condo you think of buying just don't do it! A very stupid choice all the way around. You can't build or add onto it when your family grows, your unable to avoid paying increased fees or assessments. It's almost worse than apartment living!
Now to the book... It's really great. In case they don't let you look inside to see the contents page i'll break down the 15 chapters for you.
1- What's So Great About Buying A House?
Investment Value, Tax Breaks, Rent vs Buy
2- What Do You Want? Figuring Out Your Needs.
Neighborhoods, Lifestyle, Knowing the different types of houses, Common Interest Properties, Manufactured & Modular Homes, Dream List
3- Does This Mean I Have To Balance My Checkbook? Figuring Out What You Can Afford.
The costs of =ownership, Debt to Income Ratio, Credit History, Tips for overcoming financial road blocks, Getting loan approval.
4- Stepping Out. What's on the Market and at What Price
TIP (from me): If your looking for a cheap house to fix up or your first investment property go to: www.homepath.com (Fannie Mae owned homes) or to www.homesteps.com (Freddie Mac foreclosures). These properties look like foreclosures but if you took the 203K loan $ (up to $35K) then you could have a great starter home. Our friends have used this site to buy their first rental property and it's how we are scoring our second home. I'm a professional Interior Designer too so that's coming from someone in the trade of renovating & building homes.
5- Select Your Players: Your Real Estate Team
6- Bring Home the Bacon: Getting a Mortgage
Terms, Types of loans, Down Payments, etc.
7- Mom & Dad? The Seller? Uncle Sam? Loan Alternatives
Gov't Assisted loans, new home financing, seller financing, gift $
8- Looking For the Right House
Agent Help, Tips from friends, House visits, Using your dream list, Look past the glitter, What to watch out for, Seller Disclosures, Inspections, community.
9-Plan B- Fixer Upers, FSBOs, Foreclosures, and More
Buying a fixer upper, Auction Homes, etc.
10- Show Them The $: From Offer to Purchase Agreement
Negotiating, Contingencies, Earnest Money Deposits, and more.
* Great Chapter!
11- Tasks Before Closing
12- Send in the Big Guns: Professional Property Inspectors
*THIS IS A MUST! DON'T be stupid like me!
13- Who's Got Your Back? Homeowners Insurance and Home Warranties
* Great chapter!
14- Seal the Deal
The big day!
15- Settling Into Your New Home
Overall, I really found the book to be helpful and valuable in information that helps you, the buyer, be on your A-game when setting out to purchase. The last advice I have for you as a potential reader/ buyer is to get yourself into a 15-20 year mortgage. It will be one of your best decisions ever! I took out a 30 and reduced it to a 20 and the amount wasn't so much of a shock but knowing i'll be less than 50 with a paid off home in this present age is a great thing!
Happy Reading!
33 of 37 people found the following review helpful.
Good all-around introduction
By Zhimbo
It's a great, readable introduction to pretty much every step and consideration in the home buying process, aimed at new buyers. I also purchaed "The Home Buying Kit For Dummies" and really it's a toss-up as to which one I would recommend. The Dummies book comes with a CD of the various worksheets and forms, while the NOLO guides has a similar assortment available for download on their website. The Dummies book has more information on general financial stuff - how to get your total financial house in order while buying a house. That's good info, but you may or may not want that in your home-buying book.
Back to the Nolo guide: I suppose I could quibble with some of the silly side boxes that attempt to insert some levity. Just a waste of space, in my opinion, and the brief side box on haunted houses is vaguely insulting to my intelligence. But really, that's a tiny, tiny percentage of the book, so it's hardly a major issue.
Overall, a great place to get informed enough so that you feel more comfortable with getting the process going.
5 of 5 people found the following review helpful.
New home buyers can only help themselves by investing in this book first.
By Bruno
I have been saving money for a down payment for the last year to buy a new home. I discovered this book at just the right time in my life. There is tons of information on the net about the topic, but this book brings in all together from a trustworthy source. After going through this book it is like having a best friend who is an expert in real estate.
This book covers all the bases.
-How to figure out all your needs to put together a checklist on where to buy.
-All the upfront costs, taxes debt/income ratio for lenders, etc.
-Thinking outside the box like speaking to neighbors before you buy and checking out the environment/community from the aspect as if you lived there already. (which is a great idea often overlooked)
-Selecting the real estate team: agent, banker, lawyer, inspector, etc.
-A really in depth break down of your soon to be mortgage.
-Outside sources of funding.
-Finding the perfect property (tips, tricks, things to look out for)
-Alternative options like Fixer Uppers/Foreclosures
-Step by step break down of the offer and negotiation.
-Closing tips (title insurance, removing contingencies, what to say on the deed, etc)
-Professional Property Inspectors
-Homeowners Insurance and Warranties
-Sealing the deal (all the final closing documents and tips at the finish line)
-Tips after your claim your new home on how to settle in both on the financial and community front.
-There is also a downloadable homebuyer's toolkit on the publisher's website.
I know that I plan on keeping this book close for the next year for personal reference. If you are new to this experience and overwhelmed you literally can use this book as a guide to make it happen. If you are in a similar situation there is no reason not to add this book to your information gathering process. I can even see this book teaching people who have been through the experience more than once with tips they never knew. It is truly expert level advice and I highly recommend it.
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