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Index
Cover Contents Title Copyright Dedication Foreword Preface : Greed, Fear, and Opportunity in the New Real Estate Environment Introduction
The Greatest Producer of Wealth for American Families The United States Government Encourages Homeownership The Pride of Having a Place to Call Your Own The Time to Buy The Cost of Buying and Maintaining a Home Building Equity The Case for Renting
Part One : Finance
Chapter 1 : Get Ready to Buy
Make a List of Your Assets and Liabilities Creating a Budget and Living within Your Means The Down Payment and Private Mortgage Insurance Obtaining a Credit Report FICO Score
Chapter 2 : How to Get the Cheapest Loan at the Best Rate
How Banks Make Money by Giving You a Loan What Is a Mortgage? Obtaining the Loan: Learning the Bank’s Requirements The Mortgage Broker Getting the Best Loan: Fitting the Loan into Your Plans and Financial Means The New Good Faith Estimate: Keeping the Lender Honest Choosing the Most Appropriate Inexpensive Loan Annual Percentage Rate (APR) Tax Deductions and the Interest Rate on Your Mortgage Paying Points The Amount of the Loan Documents Required to Obtain a Loan The Different Types of Loans The Loan Process The Financing Process
Chapter 3 : Buying a Home with Little or No Money Down and Obtaining Seller Financing
Putting Little or No Money Down
Part Two : Finding the Uncommon Deal on a Home
Chapter 4 : Becoming an Expert on Finding the Dream Home
The Real Estate Broker Finding a Property to Purchase: Various Choices and Forms of Shelter Making the Decision
Chapter 5 : Conducting the Search
Insider Trading—The Legal Way Making Friends in Strange Places Location, Location, Location Determining Fixed Monthly and Yearly Housing Costs Making a Wish List Real Estate Brokers: The Guardians of Real Estate Maximizing the Success of the Search
Chapter 6 : The Secret to Buying a Distressed Property
The DNA of a Deal Finder Distressed Homes: The Most Common Uncommon Deals Finding the Uncommon Deals Using the Most Common Means Becoming a Proactive Deal Hunter
Chapter 7 : Pre-Foreclosures and Short Sales
Finding a Pre-Foreclosure The Foreclosure Filing Buying a Short Sale Learning More About the Distressed Property Making Contact with a Distressed Owner
Chapter 8 : Foreclosures and Bank-Owned Properties
Finding a Foreclosure Sale Buying a Foreclosed Property Attending the Foreclosure Auction Determining How Much Money to Bring to the Auction Foreclosure Pitfalls: Taking the Property As Is and Evicting the Occupants Losing the Property to Redemption Laws Financing the Purchase REO/Bank-Owned Properties
Chapter 9 : Hidden Land Mines to Look Out for
Determine Whether the Home Is Legally Habitable Be Aware of the Number of Units Sold and Occupied in Newly Constructed Apartment Developments Clear All Liens and Obtain Signoffs for Extensions and Alterations before Closing on a Home Inspecting for and Understanding the Underground Oil Tank Buying a Home with Occupants or Tenants in Possession Purchasing a Land Lease in a Cooperative Apartment: Determine Whether You Are Buying or Renting the Land Property Taxes Can Change Different Ways to Take Title to the Home
Chapter 10 : Creative Ways to Get the Seller to Accept Your Below-Market Offer
Offer All Cash or Do Not Make the Deal Contingent on Obtaining a Loan Know How to Play the Negotiation Game: Making and Responding to the Counter Offer Get the First Call When the Price Drops: Give Sellers Your Price and Ask Them to Call You When the Asking Price Falls Become the Real Estate Broker’s Best Friend Bring Your Financial Resume to Demonstrate Your Ability to Close on the Home The Right of First Refusal Buyer Flexibility: Learn the Seller’s Moving Preferences Endear the Seller through Thoughtful Gestures and Remembering Names and Life Events Place an Ad or Create a Web Site or Commercial
Chapter 11 : Negotiating a Great Deal on a Newly Constructed Property
Conduct an Extensive Inspection of the Premises Using a Qualified Inspector/Engineer Know the Builder’s Past Performances Obtain Warranties from the Builder The Brand Names and the Appliances and Fixtures Installed Should Be Itemized in the Contract of Sale The Most Common Problem When Purchasing a New Construction: The Move-In Date Locking In an Interest Rate
Part Three : Getting Uncommon Deals on Closing Costs
Chapter 12 : The Closing Map
Obtaining Financing Making the Offer Hiring an Attorney The Acceptance of the Offer and Drafting of the Contract of Sale Signing the Contract of Sale and Making the Contract Deposit Insurance and Tax Escrow The Mortgage Contingency Clause and Other Contingencies The Closing Date The Engineer Due Diligence for Cooperative and Condominium Purchases Reviewing the Building’s Financials Termite Inspection Board Applications Title Insurance and Lien Search The Board Interview Obtaining the Right of Possession of the Home The Closing
Chapter 13 : Using the Home Inspection to Lower the Price
The Inspection Finding the Right Home Inspector Protecting Yourself When Signing the Contract of Sale
Chapter 14 : Finding, Hiring, and Utilizing an Aggressive Attorney
Whether to Hire an Attorney Finding an Attorney The Mini-Interview Questions for the Attorney Candidate(s) When to Consult an Attorney The Functions of the Purchaser’s Attorney The Makings of a Good Real Estate Attorney
Chapter 15 : The Walk Through
The Walk Through as an Inspection The Punch List Let the Buyer Beware
Chapter 16 : The Importance of Homeowner’s Insurance
The Homeowner’s Insurance Policy The Function of the Homeowner’s Insurance Policy Ways to Reduce the Cost of Homeowner’s Insurance Maintaining a Homeowner’s Insurance Policy Insurance through the Federal Government Homeowner’s Insurance in Cooperatives and Condominiums Obtain References What You Should Know Before Making a Claim
Chapter 17 : The Purchase of Title Insurance
What Is Title Insurance? Who Pays for Title Insurance? Why an Owner’s Policy Should Always Be Purchased The Function of a Title Insurance Company The Cost of Title Insurance Examples of When Title Insurance Becomes Important Title Insurance and Purchasing a Cooperative Apartment The Abstract
Chapter 18 : Closing Cost Guide
Customary Purchaser Closing Costs Purchaser Closing Costs Unique to Cooperatives and Condominiums Closing Cost Example: New York Customary Purchaser Closing Costs Customary Seller Closing Costs
Conclusion Acknowledgments Index
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