By Donna G. Albrecht
Do you dream of getting a house of your personal? With approximately half all new domestic purchasers being unmarried, you are in sturdy corporation. yet how do you move approximately discovering the precise position and really procuring it? What do you, as a unmarried individual, want to know? In deciding to buy a house when you are unmarried, Donna Albrecht demystifies the home-buying approach and takes you step-by-step throughout the whole strategy of buying the house of your dreams--from hiring a true property agent to final the deal. no matter if you envision your self in a palatial mansion or a modest house, co-op, or synthetic domestic, here is your advisor to creating your dream come true!
* find out how mortgages paintings and the way to decide on the simplest one for you
* safe financing to suit your incomes power
* locate particular aid for first-timers
* Mine the Internet's wealthy genuine property information
* overview housing offerings together with co-ops, condos, single-family dwellings, synthetic houses, and others
* Negotiate the simplest cost on a home
* enhance your funding after your purchase
Read or Download Buying a Home When You're Single, Revised and Updated Edition PDF
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Extra resources for Buying a Home When You're Single, Revised and Updated Edition
Qualification Assessment Chart INCOME Base Earnings Overtime Bonuses/Commissions Dividends & Interest Other _______________ Total AMOUNT __________ __________ __________ __________ __________ $__________ (A) Gross Income HOUSING EXPENSE CURRENT PROPOSED Principal & Interest (use your estimate from the last chart for "Proposed") __________ __________ (continued) 2nd Mortgage (if any) Taxes Hazard/Fire Insurance Home Owners' Assn. Dues Other ____________ Total __________ __________ __________ __________ __________ $__________ LIABILITIES OVER 10 MONTHS __________ __________ __________ __________ __________ $__________ (B) Housing Cost AMOUNT Auto Loan Credit Union Loan Student Loan 5% of Total Credit Card Balance Child Support Other _______________ Total __________ __________ __________ __________ __________ __________ $__________ (C) Liabilities POTENTIAL MONTHLY EXPENSE ___________________ + ___________________ = ___________________ (B) Housing Cost (C) Liabilities (D) Total Monthly Expense QUALIFYING RATIOS Top Ratio (B/A) $________ Divided by $________ = _______% Bottom Ratio (D/A) $________ Divided by $________ = _______% This chart is adapted from one provided by Financial Transaction Corporation, Danville, California.
According to the Community Associations Institute, the number of these associations has risen from a modest 45,000 about 15 years ago to a whopping 205,000 associations nationwide today. Right now about 42 million Americans live in a neighborhood that is governed by a community association. The key to whether a development has a community or home owners' association is often the common ownership of some property. It may be a few square feet at the entrance of the subdivision or extensive open space including amenities like tennis courts and pools.
Below is another chart to help you determine the kind of loan you might qualify for. ) If you are buying with a friend, add his or her income and liability figures to yours and include them in your total. Qualification Assessment Chart INCOME Base Earnings Overtime Bonuses/Commissions Dividends & Interest Other _______________ Total AMOUNT __________ __________ __________ __________ __________ $__________ (A) Gross Income HOUSING EXPENSE CURRENT PROPOSED Principal & Interest (use your estimate from the last chart for "Proposed") __________ __________ (continued) 2nd Mortgage (if any) Taxes Hazard/Fire Insurance Home Owners' Assn.