Nolo s Essential Guide to Buying Your First Home 6th Edition by Ilona Bray, Alayna Schroeder, Macia Stewart ISBN 1413323464 9781413323467

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Author: Ilona Bray, Alayna Schroeder, Macia Stewart

Everything a buyer needs to know to buy a first home, with insider tips and advice from the experts!

Rental prices have gone through the roof, more homes are coming up for sale, and buying a home remains a sound investment. But how do you know whether you’re ready? And what steps should you take in the weeks or months ahead to find, buy, and move into your new home? Nolo’s Essential Guide to Buying Your First Home will help you find the right place to live and invest in — and enjoy the process, too.

Nolo s Essential Guide to Buying Your First Home 6th Table of contents:

• Part 1: Is Homeownership for You?

  • Chapter 1: Your Homebuying Companion
    • The Joys and Realities of Homeownership
    • Your Homebuying Team: Who Does What
    • The Homebuying Process: An Overview
    • What’s So Great About Buying a House?
  • Chapter 2: What Do You Want? Figuring Out Your Homebuying Needs
    • Needs vs. Wants: Prioritizing Your Home Features
    • House, Condo, Co-op, or Townhouse?
    • Where Do You Want to Live? Choosing a Neighborhood
    • New Home vs. Older Home
    • Considering Commute, Schools, and Lifestyle

• Part 2: Financing Your Home

  • Chapter 3: Does This Mean I Have to Balance My Checkbook? Figuring Out What You Can Afford
    • Beyond the Purchase Price: The Costs of Buying and Owning a Home
    • Understanding Your Debt-to-Income Ratio
    • How Your Credit History Factors In
    • Creating a Realistic Monthly Budget
    • Tips for Overcoming Financial Roadblocks
    • Getting Preapproved for a Loan
  • Chapter 4: Bring Home the Bacon: Getting a Mortgage
    • The Basics of Mortgage Financing (Fixed-Rate, Adjustable-Rate, etc.)
    • Where to Get a Mortgage (Banks, Brokers, Online Lenders)
    • Which Type of Mortgage Is Best for You?
    • Common Down Payment and Financing Strategies
    • Researching Mortgages and Comparing Offers
    • Applying for Your Loan
    • New-Home Financing
    • Unique Financial Considerations for Co-op Buyers
  • Chapter 5: Mom and Dad? The Seller? Uncle Sam? Loan Alternatives
    • Borrowing From Family or Friends
    • Seller Financing and Lease-Options
    • Government Loan Programs (FHA, VA, USDA)
    • Down Payment Assistance Programs

• Part 3: Finding Your Home

  • Chapter 6: Stepping Out: What’s on the Market and at What Price
    • Understanding the Real Estate Market (Buyer’s vs. Seller’s)
    • Researching Local Market Trends
    • Setting Your Price Range
  • Chapter 7: Select Your Players: The Real Estate Team
    • Choosing and Working with a Real Estate Agent
    • Other Professionals You Might Need (Lawyers, Mortgage Brokers, Inspectors)
  • Chapter 8: I Love It! It’s Perfect! Looking for the Right House
    • How Your Agent Can Help
    • Keeping Track of New Listings
    • Planning for House Visits
    • What to Expect as You Enter Homes
    • Using Your Wish List During Tours
    • Looking Past Staging
    • Reviewing Seller Disclosure Reports
    • Doing Your Own Initial Inspection
    • Buying a Not-Yet-Built House
    • Researching a Condo or Co-op Community
    • Buying a House “Sight Unseen”
  • Chapter 9: Plan B: Fixer-Uppers, FSBOs, Foreclosures, and More
    • Buying a Starter House
    • Buying a a Fixer-Upper or a House You Can Add On To
    • Buying Jointly (Shared Ownership)
    • Renting Out a Room
    • Buying “For Sale By Owner” (FSBOs)
    • Buying a Short Sale Property
    • Buying a Foreclosure Property

• Part 4: Making the Offer and Closing the Deal

  • Chapter 10: Show Them the Money: From Offer to Purchase Agreement
    • Determining Your Offer Price
    • Crafting a Competitive Offer
    • Key Contingencies to Include (Financing, Inspection, Appraisal)
    • Negotiating with the Seller
    • Understanding the Purchase Agreement
  • Chapter 11: Toward the Finish Line: Tasks Before Closing
    • Opening Escrow or Title
    • Getting Your Loan Approved
    • Ordering an Appraisal
    • Securing Title Insurance
    • Understanding Property Taxes
  • Chapter 12: Send in the Big Guns: Professional Property Inspectors
    • Why You Need a Professional Home Inspection
    • What a Home Inspector Looks For
    • Interpreting the Inspection Report
    • Negotiating Repairs or Credits
    • Other Specialized Inspections (Pest, Radon, etc.)
  • Chapter 13: Who’s Got Your Back? Homeowners’ Insurance and Home Warranties
    • Understanding Homeowners’ Insurance
    • What a Policy Covers and Doesn’t Cover
    • Shopping for Insurance
    • Considering a Home Warranty
  • Chapter 14: Seal the Deal: Finalizing Your Homebuying Dreams
    • The Final Walk-Through
    • Reviewing the Closing Disclosure (Loan Estimate)
    • What to Bring to Closing
    • Signing the Papers
    • The Costs of Closing

• Part 5: Settling In

  • Chapter 15: Settling into Your New Home
    • Changing Your Address
    • Setting Up Utilities
    • Understanding Your New Property
    • Basic Home Maintenance Tips
    • Budgeting for Homeownership Costs

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Tags: Ilona Bray, Alayna Schroeder, Macia Stewart, Essential, First Home