A. I think I'm ready to buy a home Will I qualify for a home loan? What kind of information does the lender need from me? Without consulting a lender, how do I know if I can buy a home? How can I raise my credit score? How much cash do I need to buy a house? Can the seller pay my closing costs? Does my real estate agent represent me? B. I'm ready to shop for a home How do I begin shopping for a home? Can I save money if I don't use a buyer's agent? New construction or an older home? Could I finance a fixer upper? Condominium or townhome? Which neighborhood is best for me? C. I'm ready to make an offer on a home Assessment vs. Fair Market Value vs. Appraised Value How do I go about making an offer? Is the asking price of the home negotiable? Can the seller's Realtor help me write an offer? What makes someone a good negotiator? How about if I offer the seller a really low price as my strategy? Is the price on new construction homes negotiable? How long do the sellers have to decide to accept/reject my offer? At what point do get a home inspection? D. All about the purchase offer What's involved in a purchase contract? Is everything in the house involved in the sale? During the contract phase, what happens if I lose my job? What is default by the buyer in a purchase contract? The house was wiped out due to fire damage, now what? Who takes care of the termite, well and septic inspections? How do I find out about the rules & regulations in a neighborhood? Does the county or city have restrictions on home additions? How can I get a survey of the house and land? E. Moving Day How long before I can move in? What happens on closing day or settlement? Can I see the property one more time before closing? Why does my settlement agent suggest title insurance? What do I need to know about homeowner's insurance? How can I save money on homeowner's insurance? Which parts of closing costs are tax deductible? Potential Home Concerns mold radon termites asbestos septic systems carpenter bees sexual offenders lead-based paint conservation easement groundwater contamination increased SEER rating standard leaking underground storage tanks Saving Our Earth Recycling Locations