Download or read book Finance Tips and Tricks for First Home Buyers written by Daniel J Donnelly and published by Sherwood Finance Limited. This book was released on 2021-07 with total page 90 pages. Available in PDF, EPUB and Kindle. Book excerpt: You may remember how you could borrow money from the Bank by taking out a mortgage against one of your properties in the board game Monopoly. If you do not pay the money, you owe the Bank, you can turn over the card and charge the other players rent. You would take out a mortgage against your property as a settlement and get keys from the real estate agent in real life. The scenario from the game is an accurate portrayal of how a mortgage works, but different. Pre-approval from your chosen lender is essential before you look for the perfect home. Besides knowing whether you qualify for a loan, you will have a clearer picture of how much you can borrow and spend to buy a new home. Do not sign a contract until you are aware of costs associated with buying a home, such as a stamp duty and legal fees. Pre-approval does not guarantee you will be able to get a mortgage on a particular. To get the ideal plan of action for your property financing needs, our specialists can help you. If you are looking to hire a team of experienced advisers, we are confident that you will want to consider our qualified experts. If you need information on a wide range of financial products and opportunities, it might be worth contacting a finance broker. A good brokerage has years of experience and will crunch numbers by comparing different loans and recommending a suitable deal for your needs. They interact with lenders on your behalf, and they often attempt to assist after work hours. Over time, the complexity and requirements of the industry have increased, leading to most charging upfront fees. Many lenders have their criteria for assessing applications, and these are not public knowledge - which can cause some concerns for you when trying to find the right deal. This is where a good finance broker comes in, as they can save you a great deal of time by advising you when to and when not to apply for a loan.
Download or read book The White Coat Investor written by James M. Dahle and published by White Coat Investor LLC the. This book was released on 2014-01 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!
Download or read book Tips Tricks for 1st Time Home Buyers written by J Cauvain and published by PDT. This book was released on 2024-08-22 with total page 106 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Tips & Tricks for 1st Time Home Buyers" is an essential guide designed to assist first time home buyers in navigating the complexities of the real estate market. Acknowledging the daunting nature of purchasing a home, this book provides practical advice and insights tailored specifically for those entering the housing market for the first time. The book begins by outlining current real estate market trends across various Western countries, including the USA, Canada, UK, Australia, and New Zealand. It emphasizes understanding the economic environment as a crucial first step. Subsequent chapters focus on financial preparation, offering strategies for saving for a down payment, comprehending credit scores, and securing favourable mortgage options. As readers progress through the chapters, they will learn about searching for homes effectively, negotiating deals successfully, and navigating closing processes. The text highlights common pitfalls that first-time buyers may encounter and provides checklists for home inspections to ensure thorough evaluations. Additionally, it offers guidance on working with real estate agents and lawyers to streamline transactions. Interspersed throughout are practical case studies from successful first-time buyers that provide encouragement and real-world insights. By the end of this comprehensive guide, readers will feel empowered to make informed decisions in their home-buying journey, equipped with knowledge to tackle challenges confidently and approach this significant life milestone with assurance.
Download or read book How to Buy Your Home written by Mindy Jensen and published by . This book was released on 2020-10-15 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Home Buying For Dummies written by Eric Tyson and published by John Wiley & Sons. This book was released on 2009-04-01 with total page 378 pages. Available in PDF, EPUB and Kindle. Book excerpt: Now updated — America's #1 bestselling home-buying book! Want to buy a house, but concerned about the market? Have no fear — this trusted guide arms you with Eric Tyson and Ray Brown's time-tested advice and updated strategies for buying a home in current market conditions. You'll discover how to find the right property, make smart financial decisions, and understand the latest lending requirements and tax implications. New to this edition — new and expanded coverage to help homebuyers take advantage of low home prices, understand the subprime mortgage crisis, obtain a mortgage, and improve credit scores To buy or not to buy? — weigh the advantages of owning versus renting, get your finances in order, and know how much house you can safely afford Handle financing — understand your credit rating, navigate the different types of mortgages, and complete all paperwork Play the real estate game — find the right location and property, assemble an all-star real estate team, and make the most of the Internet's real estate resources Let's make a deal — negotiate with finesse, make successful offers, inspect and protect your new home, and cover all your bases in escrow "Invaluable information, especially for the first-time home buyer." —Fort Worth Star-Telegram "A reference you'll turn to time after time." —St. Petersburg Times Open the book and find: Reasons why home prices rise and fall Hands-on instruction for buying a home in up or down markets How to pay the price you want The best mortgage options A sample home-buying contract Pros and cons of comparable market analysis Tips for overcoming mortgage and appraisal problems How to cope with buyer's remorse The best real estate Web sites
Download or read book First Time Home Buyers Guide written by Ernie Braveboy and published by Independently Published. This book was released on 2020-07-29 with total page 234 pages. Available in PDF, EPUB and Kindle. Book excerpt: You Are About To Discover Insider Secrets That Will Have You Buying Your First Home Like A Real Estate Pro! You've been meaning to buy a home for a long time, but the very thought of it makes your insides twist and turn. On the face of it, the venture looks very risky, and a mistake of this magnitude could have you regretting for decades to come. After all, you've never bought a home before, and real estate is an area filled with professionals of all kinds, all who might take advantage of a naïve buyer. And you don't want to be the type of person who gets taken advantage of. Perhaps you've told yourself the following: I could lose the savings of a life-time if I make a mistake A friend of mine recently had their home foreclosed on. It was horrible. I don't wish to suffer the same fate. I have never trusted bankers and mortgage brokers. How am I supposed to go into business with them? I am really busy; I don't have time to shop around for a home. What if I get sold a home that has problems all over it? What if I can't manage the mortgage payments? I don't even know what kind of home I can afford I have never been good at negotiating for a smaller price on anything. How can I get a home at a bargain? If you have had thoughts like these, this book is for you. In it, you will learn the following: What it really means to be a first-time home buyer and why this understanding could change everything for you, to your advantage How you can evaluate your financial health and know just how attractive you look to bankers The one rule you must never break when it comes to negotiating for a house in a sellers' market How you can pick the best team of experts to take care of your interests in a transaction The inside scoop on finding great deals on a home What you need to watch out for when dealing with homes that were part of a foreclosure Mistakes that you should avoid making before you close the deal on your home The steps you can take to improve your credit score dramatically, even from a poor one How you can secure your interests the moment you start negotiating for a home Techniques you can use to get a significant bargain from a seller Special loans guaranteed by the government that can make your life easier as a first-time homebuyer. ...And so much more It doesn't matter that you have never bought a home before. It doesn't matter that you are not "market savvy." It doesn't matter that you don't have a finance degree or don't understand financial terminologies. By the time you finish reading this book, you will know enough. You will know more than over 90% of first-time homebuyers who will hit the market having done no homework. You will know that you are not the perfect prey for predators of the industry who will readily take away the money from uninformed participants. You are literally steps away from making one of the most important financial decisions of your life, and this book will be your guide and friend. Whatever you must do, you need to do it now; not tomorrow, not next week, not next month. Life is short, and time awaits no man. So why don't you go ahead and order this book while you still have a chance.... Click Buy Now With 1-Click or Buy Now to get started!
Download or read book Financial Peace written by Dave Ramsey and published by Lampo. This book was released on 2002-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dave Ramsey explains those scriptural guidelines for handling money.
Download or read book Home Buying Kit For Dummies written by Eric Tyson and published by John Wiley & Sons. This book was released on 2016-03-14 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt: America's #1 bestselling home buying guide Are you looking to buy a house, but don't quite know where to begin? Have no fear! This new edition of Home Buying Kit For Dummies arms you with Eric Tyson and Ray Brown's time-tested advice and strategies for buying a home in current market conditions. Packed with valuable tips for getting the best deal on your new home and navigating an ever-changing housing market, it shows you how to find the right property, make smart financial decisions, and understand the latest lending requirements and tax implications. Thanks to looser lending standards, lower down payment mortgages, and a wider selection of homes to choose from, first-time homebuyers are making a comeback in the housing market. But if you don't know a Colonial from a counter offer, the process of buying a home can be daunting. Luckily, this bestselling guide is here to take the confusion out of the process! In plain English, it provides step-by-step guidance for buying the home of your dreams, from inspecting a property to evaluating a location to making sense of loan applications, tax documents, and counter offer forms. Negotiate your best deal and obtain a lower down payment mortgage Improve your credit score Make sense of changing lending standards Take the confusion out of lending laws, mortgage rates, and marketplace conditions Whether you're a renter, investor, or current homeowner, everything you need to plant roots in a new home sweet home is just a page away.
Download or read book The Smart First Time Home Buying Guide How to Save for A Home Down Payment with Limited Money written by Thomas.K. Lutz and published by Thomas.K. Lutz. This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Home Prices Are Too High Buying a home is the pinnacle of adulthood, but as we all aware, home ownership isn’t exactly easy to navigate, especially for younger folks. Unless you’re completely debt-free, get help from parents, and disciplined enough to live below your means to save money, buying your first home in the future can seem more like a fantasy than an actual possibility. In “The First Time Home Buying Guide”, we will be mainly focus on why and how to save up our money to have the down payment for our first home purchase, so we can be prepared when there is a home buying opportunity in the future. What is a Downpayment? A down payment is a big sum of money you need when buying a home. You may borrow money from the bank in the form of a home loan or mortgage, but a portion of the total cost must come directly from you. The down payment acts as an insurance of sorts for your lender. It is Not just About HOW to Save, But WHY You Should Save As we all know, there’s a correlation between inflation and home prices. If we don’t save up now, the global home price will slowly keep going up. Now is the time to be prepared and save up, so when there’s home price correction underway, you will have the purchasing power to own a home. The truth is that we all know how to save, but most of us are not aware of the reason why we need to save and that becomes problematic. In this book, we will go in depth on this topic. We will also be sharing unique ways to save up for a down payment and ways to save a lot faster than an average person. This is What You Are About to Discover.. ✔ Why is Saving so Important in General? ✔ Why is it Important to Own Your Home, Rather Than Rent? ✔ Budgeting and Keeping Track of Your Spending ✔ Extreme Ways to Save Fast ✔ The Important Things You Should Know Before Buying a Home Would You Like To Know More? --Don't Gamble on the Future-- Download now and Learn The Quickest ways to Save! Scroll to the top of the page and select the Buy Now button.
Download or read book How to Buy a House with No or Little Money Down written by Martin M. Shenkman and published by John Wiley & Sons. This book was released on 2002-02-28 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Ultimate guide to finding and financing a home Almost everyone aspires to owning a home, but the reality of coming up with a large enough down payment often stands in the way of making that dream come true. No longer! How to Buy a House with No (or Little) Money Down has helped tens of thousands become homeowners, and now it's your turn! Financing your dream home can be possible even if you never thought you could. This completely updated and expanded Third Edition shows you how. Even if you are relatively cash-poor or have a less-than-perfect credit rating, real estate and financial experts Martin M. Shenkman, CPA, MBA, JD, and Warren Boroson can help you obtain a mortgage and find the house you've always wanted--with expert guidance through all the confusing legal and tax issues involved. Featuring new sections on choosing an agent, using the Internet to search for an agent and a house, and how to win the bidding war, this clear, nontechnical guide tells you how to: * Make seller financing the ticket to your dream home * Take advantage of equity sharing, equity kicker mortgages, and other esoteric techniques * Use lease options to build equity while renting * Apply for and obtain fha, va, family, and other loans you may qualify for * Inspect a house from top to bottom, inside and out * Bargain with a seller and save a bundle * And much, much more You can obtain a down payment and get the most house for your buck--simply read How to Buy a House with No (or Little) Money Down and start making your dream a reality!
Download or read book The Index Card written by Helaine Olen and published by Penguin. This book was released on 2016-01-05 with total page 163 pages. Available in PDF, EPUB and Kindle. Book excerpt: “The newbie investor will not find a better guide to personal finance.” —Burton Malkiel, author of A RANDOM WALK DOWN WALL STREET TV analysts and money managers would have you believe your finances are enormously complicated, and if you don’t follow their guidance, you’ll end up in the poorhouse. They’re wrong. When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the bestselling Pound Foolish, he made an offhand suggestion: everything you need to know about managing your money could fit on an index card. To prove his point, he grabbed a 4" x 6" card, scribbled down a list of rules, and posted a picture of the card online. The post went viral. Now, Pollack teams up with Olen to explain why the ten simple rules of the index card outperform more complicated financial strategies. Inside is an easy-to-follow action plan that works in good times and bad, giving you the tools, knowledge, and confidence to seize control of your financial life.
Download or read book Real Estate Investing for First Timers written by D Y Michael and published by . This book was released on 2021-08-05 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 8 Creative Ways Of Raising Mortgage Down Payment You've Never Heard Of Would you like to live the American Dream of owning a home, but it seems like a far-fetched goal? Are you in the market for a home, but you don't know how to raise the down payment? You have tried all the tips on the internet, but nothing is working. Is your mortgage application constantly rejected because you can't afford the down payment, yet everyone around you seems to be getting it right? Worry no more because you are about to discover highly-guarded secrets to raising your down payment. Let's say you don't have a rich relative who will hand you the down payment for a house. And maybe you've tried all the down payment savings tricks you can find online. Still, your savings balance is so little you've got to squint to see it. What should you do? Raising the down payment has been a roadblock for many people, especially first-time homebuyers, because they don't know where to start. With nobody to guide them, many first-timers end up discouraged. If you are in this stalemate, today is your lucky day! You don't have to raise the 20% down payment that the bank is asking for, and even if you have to, there are simple ways of doing it. In Real Estate Investing for First-Timers, you will find: A step-by-step guide of crowdfunding for your first home Everything you need to know about utilizing a line of credit to fund your down payment How to get your mortgage 100% financed through an FHA loan The perfect loan choice for veterans, and how to know if you qualify for it Guidance for individuals with low credit scores to get up to 96.5% financing Actionable tips for saving up for your down payment, no matter your current situation 20+ ways of expanding your income sources and making more money to channel towards your down payment And much more... If you are scared of buying a home because you don't know how to raise the necessary finances, there's no need. This handbook contains everything you need to know before raising your down payment lump sum. In the words of Marissa Mayer, you can't get everything you want, but you can have the things that matter to you. And if owning your home is one of these things, you will get there one day. All you need is to hold on a little longer. Buying your first home will help you build equity, offer you several tax advantages, give you the freedom to make choices, allow you to live your dream life, put you in control over your expenses, and reduce your living costs. Not only does owning a home provide you with a peaceful place to rest your head, but it is a good investment, and its value always increases. It's time to quit dreaming -- commit and start actualizing your goals today! If you want to experience the joy of holding a title deed to your first home, then scroll up and click the "Add to Cart" button right now.
Download or read book The Everything Guide to Mortgages Book written by Lisa Holton and published by Simon and Schuster. This book was released on 2008-07-01 with total page 279 pages. Available in PDF, EPUB and Kindle. Book excerpt: Finding the right home can be easy. Finding the right mortgage-one you can afford-can be a challenge. You need to arm yourself with the latest information so you can make the right decision for you and your family, especially in the current housing market. In plain English, finance expert Lisa Horton shines a light on the confusing world of points, interest rates, and credit scores. Whether you're buying your first home, trading up to a larger one, or buying a rental property, you'll find all you need inside. Learn how to: Save for a down payment and prepare to borrow Understand credit reports and credit scores Deal with banks, mortgage brokers, and online lenders Refinance a mortgage The Everything Mortgage Book teaches you how lenders work, how different kinds of loans are structured, and what they're best for. You'll also learn which mortgage practices and loans you should avoid. Whether you have a great credit history or a poor one, you'll be able to get the best loan for your most important purchase-your home. Lisa Holton is the author of How to be a Value Investor, The Essential Dictionary of Real Estate, and the Encyclopedia of Financial Planning. She is a contributing writer for the Financial Planning Association on consumer finance and retirement planning issues. Ms. Holton heads the Lisa Company, a writing, editing, and research firm. She lives in Evanston, IL.
Download or read book Home Buying 101 written by Jon Gorey and published by Simon and Schuster. This book was released on 2022-02-15 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Buying a first home can be both exciting and nerve-wracking. Will you qualify for a mortgage? Is your dream home achievable? How do you make sure your offer will beat others? Don't worry-now you can arm yourself with the information you need to know before you begin the hunt! In Home Buying 101, you will learn all the skills you need to find the right house at the right price, with financing that fits your budget. Full of nuts-and-bolts advice and organized in an easy-to-read format, this book will teach you all the basics of: deciding the right time to buy; getting your finances in order; deciphering the MLS/reading the listings for clues; types of mortgage loans; and much more! With the help of this guide, you'll learn how to find the house of your dreams at a price you can afford!"--
Download or read book Broke Millennial Takes On Investing written by Erin Lowry and published by Penguin. This book was released on 2019-04-09 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: A guide to investing basics by the author of Broke Millennial, for anyone who feels like they aren't ready (or rich enough) to get into the market Millennials want to learn how to start investing. The problem is that most have no idea where to begin. There's a significant lack of information out there catering to the concerns of new millennial investors, such as: * Should I invest while paying down student loans? * How do I invest in a socially responsible way? * What about robo-advisors and apps--are any of them any good? * Where can I look online for investment advice? In this second book in the Broke Millennial series, Erin Lowry answers those questions and delivers all of the investment basics in one easy-to-digest package. Tackling topics ranging from common terminology to how to handle your anxiety to retirement savings and even how to actually buy and sell a stock, this hands-on guide will help any investment newbie become a confident player in the market on their way to building wealth.
Download or read book The Smart First Time Home Buyer s Guide How to Avoid Making First Time Home Buyer Mistakes written by Thomas.K.Lutz and published by Thomas.K.Lutz. This book was released on with total page 49 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you want to avoid those first-time home buyer mistakes? Buying a home can be both exciting and overwhelming for all first-time home-buyers. If you have already started the search process, make sure you're not making some common first-time homebuyer mistakes. Most first-time home-buyers have never gone through the stressful experience of buying a home, and they often have to learn the hard way when buying their first home, but by making only a tiny mistake during the home buying process, it can be extremely costly and frustrating. In this Informative guide, you will discover all common mistakes most first-time buyers make and some of the most important features to look for when buying your first dream home. Here is What You Are About to Discover.. • Your core priorities when searching a home • Why location is everything for real estate • Things your broker won't tell you • Tips from some of the top realtors • Buying or renting out your home Would You Like To Know More? Download now and avoid those common first-time home buyer mistakes! Scroll to the top of the page and select the Buy Now button.
Download or read book The Smart Easy Guide To Mortgages Home Financing written by Mark Dennison and published by Createspace Independent Publishing Platform. This book was released on 2013-10-22 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: As you get ready to buy a home, you will need to learn everything you can about the world of home financing and mortgages. This is one of the biggest points of worry, confusion and downright failure for many would-be homeowners. But the good news is that there are answers. And The Smart & Easy Guide To Mortgages & Home Financing: How to Finance Real Estate to Make the House Buying Process Successful has them for you right now. The book contains all the knowledge and guidance that you need to get the best mortgage and avoid financial complications. This real estate financing and home buying mortgage guide book contains crucial information on how to get started with the process of identifying the best mortgage and how to make sure you get the best deal possible. Here are some of the questions answered in the book: - How to secure the credit to get started - How to begin the loan process - How to identify and negotiate for the best rates - How to understand the mortgage stipulations and the mortgage contracts formulated by the lenders - Why it's important to understand mortgage stipulations and the fine print - How to identify a loan that is suitable for a person's individual needs - How to get a loan that guarantees financial freedom - How to avoid scams, fraud, and other risks during the mortgaging process The book fully addresses the challenges faced by any homebuyer considering taking out a mortgage. The main purpose of this real estate financing and home buying mortgage guide book is to empower you by providing knowledge and practical steps you can take. The costs of ignorance in the mortgage industry are too high to ignore when you can get answers this easily. Here are just a few of the things you will learn: - The best strategies for identifying the best mortgage for your situation - How to avoid the stress, anxiety and frustration typical first time home buyers go through during the lending process - How to identify the best mortgage rates by using little known tools - How to avoid fraud, scams and other financial risks - Crucial Strategies for negotiating lower rates and fees - How to boost your credit ratings and why they matter - How a few simple negotiation tricks can save you $1,000s - How to find the best lenders for you - How to save time, money and headaches during the entire process The book contains extensive details on how to avoid financial issues, find the best mortgages and save money and time every step of the way. This real estate financing and home buying mortgage guide book explains how you can obtain good credit, how to start the loan process and how to identify the best mortgage rates. This real estate financing and home buying mortgage guide book has all the answers you need. It contains detailed mortgage information that will guide you smoothly through the home financing process. The sooner you access to get the knowledge contained in this book, the better your situation will be. Make the home buying and home financing process as fast and easy as possible. The Smart & Easy Guide To Mortgages & Home Financing: How to Finance Real Estate to Make the House Buying Process Successful is here for you. Grab your copy today of this real estate financing and home buying mortgage guide book!
