Nolo's Essential Guide to Buying Your First Home by Ilona Bray (English) Paperba

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There's no place like home!Ready to say goodbye to your landlord? With help from Nolo's Essential Guide to Buying Your First Home, you'll not only find the right house for you, you'll have fun doing it.Learn how to: - research the local market and listings- choose a house, condo, co-op, or townhouse- create a realistic budget- qualify for a loan you can truly afford- borrow a down payment from friends or family- protect yourself with inspections and insurance, and- negotiate and close the deal successfully.You'll find insights from numerous real estate professionals--agents, attorneys, mortgage specialists, a home inspector, and more. It's like having a team of experts by your side! Plus, read real-life stories of over 20 first-time homebuyers.

FORMATPaperback LANGUAGEEnglish CONDITIONBrand New Author Biography

Ilona Bray, J.D. is an award-winning author and legal editor at Nolo, specializing in real estate, immigration law, workplace wellness, and nonprofit fundraising. Many of her books are consistent Nolo bestsellers, among them Effective Fundraising for Nonprofits, U.S. Immigration Made Easy and Nolo's Essential Guide to Buying Your First Home. Her latest book is entitled Selling Your House: Nolo's Essential Guide. She particularly enjoys interviewing people and weaving their stories into her books.Bray's working background includes solo practice, nonprofit, and corporate stints, as well as long periods of volunteering, including an internship at Amnesty International's main legal office in London. She received her law degree and a Master's degree in East Asian (Chinese) Studies from the University of Washington School of Law and Jackson School of International Studies, and an undergraduate degree in philosophy from Bryn Mawr College. In her spare time she enjoys hiking, going to open houses, and gardening.Bray also blogs on Nolo.com on topics such as nonprofit fundraising, real estate, and immigration matters. She's the winner of the 2012 "Best Blog" award from the National Association of Real Estate Editors (NAREE). Ann O'Connell is a legal editor at Nolo specializing in landlord-tenant and real estate law. Before joining Nolo as an editor, Ann was a freelance writer for Nolo and other publications and law firms. She has passed the bar exams in California, Nevada, and Colorado, where she is both an active attorney and a real estate broker. Ann practiced civil litigation in California and Colorado, and had her own firm in Colorado. At her firm, she focused on real estate, landlord-tenant, and small business cases. Ann earned her B.A. from Boston College and her J.D. from UC Berkeley Law.

Table of Contents

1. What's So Great About Buying a House? 2. What Do You Want? Figuring Out Your Homebuying Needs 3. Does This Mean I Have to Balance My Checkbook? Figuring Out What You Can Afford 4. Stepping Out: What's on the Market and at What Price 5. Select Your Players: Your Real Estate Team 6. Bring Home the Bacon: Getting a Mortgage 7. Mom and Dad? The Seller? Uncle Sam? Loan Alternatives 8. I Love It! It's Perfect! Looking for the Right House 9. Plan B: Fixer-Uppers, FSBOs, Foreclosures, and More 10. Show Them the Money: From Offer to Purchase Agreement 11. Toward the Finish Line: Tasks Before Closing 12. Send in the Big Guns: Professional Property Inspectors 13. Who's Got Your Back? Homeowners' Insurance and Home Warranties 14. Seal the Deal: Finalizing Your Homebuying Dreams 15. Settling Into Your New Home Index

Review

"32nd Annual Silver winner Benjamin Franklin Award." Independent Book Publishers Association "Nolo's excellent guide for novice home buyers provides fresh, updated information about the whole process that even those in the know will find useful." Library Journal "Takes the guesswork out of home buying...two thumbs up." Elizabeth Weintraub, Home Buying & Selling Guide, pdotdash.com "Coming from a gal that knows tools, this book is a must-have tool for any home buyer." Norma Valley, Host of "Toolbelt Diva" (Discovery Home Channel) "Buying a house for the first time can be an intimidating, and sometimes overwhelming, process. This Nolo guide takes readers on the journey from understanding the benefits of buying a house and deciding what they want to sealing the deal and settling in. Along the way, readers will learn about budgeting, the market, getting a mortgage, negotiating a deal and many other crucial steps. The book takes advice from fifteen different professionals, including brokers, mortgage specialists, home inspectors and more, in to account as it advises readers. Buying the book also allows readers to access the website where they can download forms and informative podcasts and stay up to date on changing trends in house buying." Eithne O'Leyne, Editor Ringgold, Inc. ProtoView " Attorneys and authors Bray et al. offer a guide to buying a home for the first time. They discuss the benefits of buying a house, figuring out homebuying needs and what is affordable, checking out the market, selecting a real estate team, getting a mortgage, loan alternatives, looking for a house, fixer-uppers and other types of houses, making an offer, closing, property inspection, homeowners' insurance and home warranties, sealing the deal, and settling in. Additional real estate professionals also provide advice, and other interviews are provided online, along with forms, checklists, and letters. " 6th edition review - Eithne O'Leyne, Editor, ProtoView The ownership of a home is the largest financial investment most people will ever make. The number of homes for sale is on the rise and mortgage rates remain near historic lows. "Nolo's Essential Guide to Buying Your First Home" provides everything needed to: research the local market and listings; decide between a house, condo, co-op, or townhouse; create a realistic budget; qualify for a loan you can truly afford; borrow a down payment from friends or family; protect yourself with inspections and insurance; and negotiate and close the deal successfully. "Nolo's Essential Guide to Buying Your First Home" offers insights drawn from 15 real estate professionals that include brokers, attorneys, mortgage specialists, a home inspector, a neighborhood researcher, and more. Plus "Nolo's Essential Guide to Buying Your First Home" is enhanced with the inclusion of real-life stories from over 20 first-time homebuyers. Readers should note that they can download from a Homebuyer's Toolkit Dozens of downloadable forms and podcasts that will help them find their dream home, crunch the numbers, interview real estate professionals, inspect the house thoroughly, and more.Comprehensive, inclusive, and thoroughly 'user friendly' in organization and presentation, "Nolo's Essential Guide to Buying Your First Home" is very highly recommended, especially for community library collections." The Midwest Book Review, Taylor's Bookshelf

Review Quote

"32nd Annual Silver winner Benjamin Franklin Award." Independent Book Publishers Association "Nolo's excellent guide for novice home buyers provides fresh, updated information about the whole process that even those in the know will find useful." Library Journal "Takes the guesswork out of home buying...two thumbs up." Elizabeth Weintraub, Home Buying & Selling Guide,pdotdash.com "Coming from a gal that knows tools, this book is a must-have tool for any home buyer." Norma Valley, Host of "Toolbelt Diva" (Discovery Home Channel) "Buying a house for the first time can be an intimidating, and sometimes overwhelming, process. This Nolo guide takes readers on the journey from understanding the benefits of buying a house and deciding what they want to sealing the deal and settling in. Along the way, readers will learn about budgeting, the market, getting a mortgage, negotiating a deal and many other crucial steps. The book takes advice from fifteen different professionals, including brokers, mortgage specialists, home inspectors and more, in to account as it advises readers. Buying the book also allows readers to access the website where they can download forms and informative podcasts and stay up to date on changing trends in house buying." Eithne O'Leyne, Editor Ringgold, Inc. ProtoView " Attorneys and authors Bray et al. offer a guide to buying a home for the first time. They discuss the benefits of buying a house, figuring out homebuying needs and what is affordable, checking out the market, selecting a real estate team, getting a mortgage, loan alternatives, looking for a house, fixer-uppers and other types of houses, making an offer, closing, property inspection, homeowners' insurance and home warranties, sealing the deal, and settling in. Additional real estate professionals also provide advice, and other interviews are provided online, along with forms, checklists, and letters. " 6th edition review - Eithne O'Leyne, Editor, ProtoView The ownership of a home is the largest financial investment most people will ever make. The number of homes for sale is on the rise and mortgage rates remain near historic lows. "Nolo's Essential Guide to Buying Your First Home" provides everything needed to: research the local market and listings; decide between a house, condo, co-op, or townhouse; create a realistic budget; qualify for a loan you can truly afford; borrow a down payment from friends or family; protect yourself with inspections and insurance; and negotiate and close the deal successfully. "Nolo's Essential Guide to Buying Your First Home" offers insights drawn from 15 real estate professionals that include brokers, attorneys, mortgage specialists, a home inspector, a neighborhood researcher, and more. Plus "Nolo's Essential Guide to Buying Your First Home" is enhanced with the inclusion of real-life stories from over 20 first-time homebuyers.Readers should note that they can download from a Homebuyer's Toolkit Dozens of downloadable forms and podcasts that will help them find their dream home, crunch the numbers, interview real estate professionals, inspect the house thoroughly, and more.Comprehensive, inclusive, and thoroughly 'user friendly' in organization and presentation, "Nolo's Essential Guide to Buying Your First Home" is very highly recommended, especially for community library collections." The Midwest Book Review, Taylor's Bookshelf

Promotional "Headline"

Everything you need to know to buy a first home, with tips and advice from real estate experts!

Author Comments

I wrote this book to bridge a gap, between the knowledge that industry insiders have about the legal and financial details of buying a home and the need for average consumers to basically download all of that into their brain--while under time pressure and stress, no less. This book helps home buyers make sure they aren't taken advantage of and don't make a major mistake. If you know what you're doing, buying a house can be fun--a realization of dreams about your lifestyle and future.

Description for Sales People

Audience: Prospective home buyers across the United States; particularly younger ones, who've reached a stage in their lives and finances where buying a home might be appropriate and possible (if not necessarily easy); and who are interested in finding out where, whether, and how to buy. What is new in this edition: Covers all steps in the homebuying process with input from a team of experts, including visiting properties, choosing an agent and other professionals to help, making one's offer to purchase stand out, getting the right mortgage, understanding key contract terms, and negotiating toward a successful closing. This edition covers recent technological changes that help homebuyers search for homes and close the deal; COVID-related changes to industry practices; and gives new tips on buying a home sight unseen. The competition to buy a home in the United States is stiffer than ever, as homebuilders are far behind in production and overall inventory is low. Meanwhile, an average of 33% of U.S. home buyers are first-timers, with a median age of 33. [or/research-and-statistics/quick-real-estate-statistics] This book gives readers a leg up by helping them understand what they're getting into, so that they're ready to move forward quickly and compete with other bidders effectively when they fall in love with a home.

Description for Press or Other Media

A favorite among Nolo customers, this guide to all practical and legal aspects of the homebuying process caused syndicated columnist Robert Bruss to say, "On my scale of one to 10, this superb book rates an off-the-chart 12."

Details ISBN1413330053 Author Ann O'Connell Publisher NOLO Language English Year 2022 Edition 8th ISBN-10 1413330053 ISBN-13 9781413330052 Format Paperback Publication Date 2022-12-27 Imprint NOLO Country of Publication United States AU Release Date 2022-12-27 NZ Release Date 2022-12-27 US Release Date 2022-12-27 UK Release Date 2022-12-27 Illustrations Illustrations, unspecified Pages 448 Edition Description 8th ed. DEWEY 643.12 Audience General We've got this

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