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    Buy Your First Home with Confidence: A Practical Guide to Home Ownership
    Buy Your First Home with Confidence: A Practical Guide to Home Ownership
    Buy Your First Home with Confidence: A Practical Guide to Home Ownership
    Ebook82 pages2 hours

    Buy Your First Home with Confidence: A Practical Guide to Home Ownership

    By Larry Nielsen

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    About this ebook

    This eBook is a practical, easy to follow, guide to home ownership that anyone can use. It will help to build a basic foundation of knowledge and confidence that will greatly assist you, as a first time home buyer, throughout the process of finding and purchasing your first home while making you a more self-reliant and informed buyer along the way.

    Topics covered range from "Preparing Yourself and Your Finances", to "Finding Choosing and Working with Realtors", to "Viewing Properties", to making offers and negotiating, and the ever important "Contract to Closing" phase, along with other important information that you will find very useful.

    Confidence is the cornerstone of the philosophy in this eBook. If you put your mind to it, you can do it. Combine that with the information, ideas, and personal experiences contained in its pages and you will be well on your way to making your dream of home ownership a reality!
    LanguageEnglish
    PublishereBookIt.com
    Release dateApr 26, 2016
    ISBN9781456612597
    Buy Your First Home with Confidence: A Practical Guide to Home Ownership

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      Book preview

      Buy Your First Home with Confidence - Larry Nielsen

      reserved.

      Introduction

      Welcome to Buy Your First Home with Confidence!

      I am excited for you that you have chosen to become a home owner and that you have chosen my guide to assist you in doing so. I want to reassure you that you’ve made a smart decision. Both in purchasing your first home and in seeking some guidance before you do.

      First, a little bit of history. Why? Well, if we don’t learn from it, it tends to repeat itself. My journey started around 2008. I was living in an upscale apartment complex in South Florida. I had a top floor corner unit. I could open the windows and feel the cool breeze blow through. I was sitting on my plush and comfortable leather sofa watching my large HDTV. I had an expensive European luxury car parked outside. What a life!

      The problem was that the apartment was costing me half of my monthly income in rent alone. The TV was purchased with a credit card. The car was another story. There goes another few hundred dollars down the drain each month on car payments, gas, insurance, and repairs. To make things even worse, the money I was paying to the apartment complex wasn’t doing anything for me. I mean it was enabling me to live in that place but that’s the extent of it. Basically it was lining someone else’s pockets and making them a little bit richer each day. Did I mention that I was thousands of dollars in credit card debt? Well, I was.

      The day finally came when I realized that this was not the life I wanted to live. I didn’t want to fake it ‘til you make it anymore. I wanted to own my own home. I wanted that sense of pride, community, and respect that comes with the esteemed title of home owner.

      I started to get my act together. I stopped using my credit cards. I started to pay them all off, little by little. I had to wait until the end of my lease to move out and avoid paying any penalties so I did that. I even sold that money-pit of a car. I had made a decision and I was going to make it happen, no matter what.

      I moved out of that apartment, moved in with a buddy who charged me next to nothing in rent, and I started saving all that I could. While I was saving, I started researching the local real estate market. I didn’t tell you this yet, but I used to be a Realtor. I wasn’t anymore though and the real estate market changes every day so I had some research to do. I was talking to people I knew, driving around looking at the different areas and properties for sale, visiting open houses, and using the internet to search for available properties.

      I wasn’t ready to buy anything just yet but I needed to know where I stood and what the current prices were. I worked with a couple Realtors, and one mortgage broker, that didn’t quite work out. I kept living cheap and saving money until I had enough for a down payment. I was also able to find a Realtor, through a personal referral, who was a hard worker and willing to help me find what I wanted.

      It took some time, patience, and a lot of persistence, but I was able to find and purchase a home in a nice area and a fair price. My preparation, research, and determination along with my Realtors help allowed this to happen in a fairly smooth manor. I was pleased.

      I wrote this guide based on the experiences that I had during that time of my life. It would have helped me a great deal to have this information back then. I am sure that it will help you.

      This guide will provide you with advice and real life scenarios that you will be able to use as a starting point, to build a solid foundation, to have as road map to take you from where you are now to where you want to be; in your own home.

      Let me go over some of the issues that will be covered in this guide and what exactly it means to own your own home.

      To Rent or To Buy

      There are many benefits to owning your own home. Some of which include privacy, freedom of choice, sense of community, security, and pride in ownership. When you own your own home you have made a big step in your life towards real independence.

      Why did I write this guide?

      I wrote this guide to try to help people reach their goal of home ownership. I tried to write it in a way that makes reaching that goal as straightforward and easy as possible.

      I wrote it leaning towards the use of a Real Estate agent (or Realtor) to assist you with your purchase. I also wrote it with the idea in mind that you will probably not be purchasing your first home with all cash. In other words, you will probably need to secure a home loan to purchase your first home.

      There are many ways to purchase a home and I am not going to attempt to cover all of them in this guide. Some people like to use a Real Estate Attorney to help with their purchases and/or the closing of their properties. That’s fine too. I am just focusing this guide in the direction that worked for me.

      I am going to tell you what I know from my own personal experience and knowledge and use the tips, ideas, and strategies that helped me go from being thousands of dollars in debt to almost debt free and a home owner in just a couple years.

      What will you find inside?

      The guide is divided into 7 different but equally important chapters discussing topics ranging from preparing your finances all

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