You have friends and family members who have feared promotions, marriage, moving, and buying a home. They are wonderful people, but they never seem to get ahead in life. Now if that is what they choose, that is fine for them. But you may be different. You may want more.
The greatest thing that stops people from reaching their goals is a lack of knowledge. Sometimes they don’t know where to start. Often they have not counted the cost, because for everything we gain we must give up something else. Your pal that wants to spend five nights a week clubbing (and two nights recovering) may never choose to let that go in order to get married. We trade our time for our salaries. Swapping body strength, and sometimes body parts, for wages in a labor intensive job is very well known to someone who works at heavy labor.
So buying a first home has some of these fears and costs as well. This book will take you a long way toward understanding the challenges, the process, the secrets to success, and ultimately the joy of owning your first home. When you first entered school, or a relationship, or a profession – there was some fear, but because you took courage with you, you ultimately gained great benefits. Courage is not the absence of fear. It is the moving forward despite the fear.
So read, absorb, and practice what you see here and your courage will pay off in the joy and profit of owning your own home. And should you be very blessed, you will own many in the years ahead, perhaps even many at the same time. That is called an Empire! It starts with the first and you will do it Just This Once.
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Knowing what to do is the key to success in everything, isn’t it.
Chap. 1 – This Is Not Going To Be Easy
Things of value take work to produce.
Chap. 2 – Why Are We Doing This?
Understanding your motivation will energize you for the task ahead.
Chap. 3 – No Ch Ch Ch Changes
A stable job and credit history are important.
Chap. 4 – When to Shop for Property
There are smart things to know before you start looking for a home.
Chap. 5 – The Loan Process
The amount you can afford determines what you will shop for.
Chap. 6 – Types of Loans
From variable to fixed rate loans, from 15 to 30 year terms, you must understand your commitment.
Chap. 7 – The Escrow Process
How the paper work is going to flow and the timing of it
Chap. 8 – Buy New or Resale?
They are different and each has its benefits.
Chap. 9 – Let’s Go Shopping
Location, location, location – Yes, it is TRUE!
Chap. 10 – Before Shopping for a Home
Deciding about Agent Representation before you begin.
Chap. 11 – Where are Available Homes
Using all of YOUR resources and network to find the right home.
Chap. 12 – What Do You Want
Knowing what you want first will save you tons of time.
Chap. 13 – Product Testing
Breaking down the Elephant of home selection into bite sized pieces.
Chap. 14 – The Art of Negotiating
They want their best price and so do you. The Art of Deal Making.
Chap. 15 - Timelines and Deadline
Things can get complicated for both you and the Seller, so know your dates.
Chap. 16 – Buyers Remorse, Sellers Remorse
Everyone has doubts. The way that you deal with it counts!
Chap. 17 – Checking All the Variables
When you marry, you are marrying the whole family. Same with a home. Check it out thoroughly.
Chap. 18 – Buying a New Home is Different
Some subtle but important considerations.
Chap. 19 - Insurance
The lender will require it, but you also desire good insurance for your huge investment.
Chap. 20 – The Truth
Fort Leavenworth, Kansas is not a nice place to be incarcerated.
Chap. 21 – Taking Title
Knowing how to take title to the property is important.
Chap. 22 – The Best Kept Secret
Why buying a home is a great long-term strategy
Checklist 1 - Finding a Realtor
How to find a good one.
Checklist 2 – Knowing what you want
Good questions to ask yourself before you begin your search.
Checklist 3 – Finalist Home Questions
Narrowing the field to a few good choices.
Checklist 4 – Self Inspection of Your Home
The fine details are important.
Checklist 5 – Accountant
It is about the money, among other things.