Read Nolo's Essential Guide to Buying Your First Home Online
Authors: Ilona Bray,Alayna Schroeder,Marcia Stewart
Tags: #Law, #Business & Economics, #House buying, #Property, #Real Estate
Nolo's Essential Guide to Buying Your First Home (78 page)
BOOK: Nolo's Essential Guide to Buying Your First Home
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Exclusive buyer agents (EBAs)
Executors, for probate property
Expenses, home-related
for budget worksheets
factory made homes
home office tax deductions
recurring costs
reducing
sole property and
tax deductions for
Experian
Expiration date, in offers
Factory made (modular and manufactured) homes government-assisted loans
million-dollar
overview
style websites
Family members
attorney referrals
information on neighborhoods
mortgage broker referrals
notifying of move
real estate agent referrals
Family members, gifts from
avoiding gift taxes
for down payments
gift letters
overview
preventing emotional fallout
Family members, loans from
assessing feasibility of
benefits to borrower
benefits to lender
creating loan documents
default provisions
for down payments
forgiven loans
how to approach lender
interest rates
legal review of private loan agreements
loan terms
overview
structuring
thanking lender
Fannie Mae
mortgage application requirement
secondary mortgage market and
Farm animals, restrictions on
Federal Housing Administration (FHA) loans
assumability
credit history requirements
down payment requirements
drawbacks
overview
Federal Housing Administration Rehabilitation
Mortgage Program [Section 203(k)]
Federal Motor Carrier Safety Administration, mover licensing
Feng shui tips for assessing houses
FICO (Fair Isaac Corporation) score
Final Walk-Through Checklist
existing house
newly built houses
Financial Information for Lenders Checklist
Financial planners, as information resource
Financing
80/10/10 formula (piggyback loans)
80/20 formula
all-cash offers
arranging to pay for closing costs
for bank-owned property purchases
budgeting
contingency clauses
debt-to-income ratio
evaluating finances
information resources
little or nothing down payments
for manufactured homes
mortgage broker planning role
for newly built houses
overcoming financial roadblocks
overview
for public sale or auction properties
taking on excessive debt
UCC-1 Financing Statement
See also
Affordability issues; Deposits; Mortgages
Affordability issues; Deposits; Mortgages
Financing sources
401(k)s
alternatives
for co-op buyers
current assets
for down payment
family or friends
IRA withdrawals
seller financing
sellers
See also
Loan entries
Loan entries
Fires
homeowner’s insurance rates and
insurance discounts for lowered risk
See also
Insurance, hazard
Insurance, hazard
First Digs
First-Look Home Inspection Checklist
First-time homebuyer tax credit
Fishman, Stephen, background and thoughts
5/25 loans
Fixed-rate mortgages
15-year
30-year
40-year
assumability
balloon loans
FHA loans
higher-than-required monthly payments
hybrid loans
interest rates
overview
two-step loans
VA loans
Fixer-uppers
extent of renovation
FHA loan restrictions
intrafamily loans and
overview
resale value
tearing down vs. remodeling
See also
Remodeling
Remodeling
Fixtures and personal property, purchase agreement clause
“Flipping” houses
Floods
hazard insurance exclusions
homeowner’s insurance rates and
insurance for
risk website
Foreclosures
assets removed from foreclosed properties
buying foreclosed properties
of CIDs
cost to lender
defined
down payment amount and
FHA loans
home equity loans/lines of credit and
mortgage fraud and
preforeclosure
public sale or auction properties
real-estate-owned properties
redeeming property
state laws
websites
where most happen
Forms-ROM
installing onto computer
list of
overview
PDFs and government forms
using files to create documents
Form 1003.
See
Uniform Residential Loan Application
See
Uniform Residential Loan Application
For Sale By Owners (FSBOs) agent’s role in buying
buying with no agent
dealing with FSBO sellers
disclosure requirements
finding FSOB houses
house visits
overview
websites
401(k)s, borrowing from for down payments
Fraudulent practices
failing to disclose
house flipping
mortgage fraud
Freddie Mac
loan limits
mortgage application requirement
secondary mortgage market and
Friends
attorney referrals
cobuying arrangements
home inspector referrals
house tips from
information on neighborhoods
mortgage broker referrals
notifying of move
real estate agent referrals
Friends, gifts from
avoiding gift taxes
gift letters
overview
Friends, loans from
assessing feasibility of
benefits to lender
creating loan documents
default provisions
for down payments
how to approach lender
interest rates
legal review of private loan agreements
loan terms
overview
structuring
thanking lender
Full-service rebate (discount) agents
Future house, predictions
Gadow, Sandy, background and thoughts
Gardening.
See
Landscaping and gardening
See
Landscaping and gardening
Gas.
See
Utilities
See
Utilities
General inspections
buyer present at
cost of
for newly built houses
overview
sample inspection report
standard inspection list
what is included in
what is not included in
See also
Inspections/inspection reports
Inspections/inspection reports
Gift letters
Gifts, from relatives or friends
gift tax avoidance
overview
preventing emotional fallout
recordkeeping
Golden Pyramid House
BOOK: Nolo's Essential Guide to Buying Your First Home
12.3Mb size Format: txt, pdf, ePub
ads
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