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Author: Jane White Publisher: ISBN: Category : Business & Economics Languages : en Pages : 302
Book Description
During the last decade, something happened to the American dream of homeownership--it became too-high priced in the major coastal cities for many middle and even upper-class Americans to afford. Jane White takes you to twenty metropolitan markets you can afford and, in the process, tells you how to get there. Following an introductory chapter explaining how housing became unaffordable in this country, she takes you to places where the prices are still reasonable, such as Baltimore, Houston, Miami, Philadelphia, Orlando, Sacramento, and Tampa. White then goes on to explain how to move on your own, what types of homes are available, and how to buy insurance and shop for that all-important mortgage.
Author: Jane White Publisher: ISBN: Category : Business & Economics Languages : en Pages : 302
Book Description
During the last decade, something happened to the American dream of homeownership--it became too-high priced in the major coastal cities for many middle and even upper-class Americans to afford. Jane White takes you to twenty metropolitan markets you can afford and, in the process, tells you how to get there. Following an introductory chapter explaining how housing became unaffordable in this country, she takes you to places where the prices are still reasonable, such as Baltimore, Houston, Miami, Philadelphia, Orlando, Sacramento, and Tampa. White then goes on to explain how to move on your own, what types of homes are available, and how to buy insurance and shop for that all-important mortgage.
Author: Jane White Publisher: FT Press ISBN: 0137049463 Category : Business & Economics Languages : en Pages : 260
Book Description
“Crack open this book and enter a bromide-free zone. Jane White knows why American families feel as if they are on a treadmill running out of control, and she explains the reasons with clarity, insight, and rare honesty. She also offers several practical suggestions for how we as individuals, families, and a nation can get out of the mess. Policymakers would be wise to listen.” Evan Cooper, Deputy Editor, InvestmentNews “This eye-opening book sounds the alarm about many Americans’ dim financial futures if consumers, businesses, and politicians don’t change their ways. Jane White lays blame and names names. Until change happens, White offers prescriptions for your biggest money concerns--retirement, housing, college costs, and credit cards--featuring tried-and-true advice.” Gregory Karp, Syndicated Newspaper Columnist and Author of The 1-2-3 Money Plan and Living Rich by Spending Smart “Americans need this vigorous wake-up call if they are to make it through the first half of the 21st century. They are burying themselves in debt--for education, for homes, and for toys--leaving too little for savings and investment. Jane White shows them where they are going wrong and how they can put themselves right.” Thomas G. Donlan, Editorial Page Editor, Barron’s National Business and Financial Weekly “Jane White has written a barnburner of a book. Though the title may cause alarm, America, Welcome to the Poorhouse is ultimately reassuring. We can protect our own financial futures if we get wise--and get together to demand real change.” Jacob S. Hacker, Author of The Great Risk Shift: The New Economic Insecurity and the Decline of the American Dream Too many American families are racing toward financial catastrophe--saddled with exploding credit card and college debt, out-of-control housing costs, and underfunded 401(k) accounts. America, Welcome to the Poorhouse reveals the political and economic forces that got us into this predicament, strategies to get Congress to enact needed reform, and practical tips you won’t find anywhere else on how to make the most of your money until reform happens. White offers indispensable practical advice for regaining control of your own financial future--specific strategies for reducing your debt, safeguarding your retirement, and helping your children get the education they’ll need to compete in today’s world. Shrimp on the barbie, Koala bears, and a secure retirement. Why most Australians will end up with at least half a million dollars in their version of a 401(k) plan--and what we can do to transform our 401(k) plans into actual pensions. How the mortgage industry lobbied to dismantle regulation and offer bait-and-switch adjustable rate mortgages. How to protect yourself--no matter what happens. Your personal plan for saving for retirement, finding “bargain” colleges, and getting out of credit card debt. How to build a citizens lobby that wins. Making taxpayers as powerful as the so-called financial services industry and getting rid of the members of Congress that do its bidding.
Author: Publisher: Paul Burrowes ISBN: Category : Law Languages : en Pages : 24
Book Description
WHAT TO CONSIDER IN THE HOMEBUYING PROCESS • Be Mindful of Your Credit Profile • Don’t try to Time the Market • Research the Neighborhood • Think Long-Term & Think Re-Sale • Look at all your Expenses • Look beyond Staging • Never Buy the most Expensive home on the Block • Type of Home You Want to Buy • Rank Specific Features You’re Looking For • Size of Mortgage You Qualify for • Mortgage Process • Estimate Budget • Obtain Pre-Approval Letter for a Loan • Choose a Mortgage Type • Complete Mortgage Application • Conduct Current Home Appraisal • Mortgage Process and Underwriting THE BUYING PROCESS-WHAT DOES IT INCLUDE? • Finding a Home • Considering Financing Options • What type of Mortgage is right for me? • Making an Offer • Multiple Offers • Obtaining Home Inspection • What home inspectors cover in your Home Inspection? • Title Insurance • Who pays for what? Seller/Buyer Responsibilities • 30 Day Escrow - Timeline HOW DOES A REAL ESTATE AGENT HELP YOU BUY? • The Homebuying Process is Time-consuming • You Have Limited Access to Online Listings • Understanding the Market is Difficult • Look for Experienced Agent • Uses the Right Tools • Is Visible in the Real Estate Community • Uses Unique Value Proposition to Show the Best Homes • Communicates with the Sellers Agent • Monitors Your Mortgage Commitment • Helps You Find a Home • Determines the Right Locations • Negotiates Offers • Market Conditions • Finances/ Timeline of the Buyers • Negotiates the Price • Inspects the Home • Negotiates within Reason • Negotiate Home Inspection Repairs • Makes Closing Process Smooth • Arrange Final Walkthrough • Walk-through, • Close of Escrow, Keys • Congratulations! • Santa Cruz County Statistics/Absorption rate • Checklists/Worksheet
Author: Dian Hymer Publisher: Chronicle Books ISBN: 9780811812726 Category : Business & Economics Languages : en Pages : 324
Book Description
One of America's most successful real estate brokers comes to the rescue with a home-buying guide based on decades of experience in helping people find the perfect homes to fit their needs and budgets. Charts, checklists, and sample contracts demystify the home-buying process, while sidebars offer real-life anecdotes. 20 illustrations.
Author: Thomas.K.Lutz Publisher: Thomas.K. Lutz ISBN: Category : Young Adult Nonfiction Languages : en Pages : 34
Book Description
Home Prices Are Too High Buying a home is the pinnacle of adulthood, but as we all aware, home ownership isn’t exactly easy to navigate, especially for younger folks. Unless you’re completely debt-free, get help from parents, and disciplined enough to live below your means to save money, buying your first home in the future can seem more like a fantasy than an actual possibility. In “The First Time Home Buying Guide”, we will be mainly focus on why and how to save up our money to have the down payment for our first home purchase, so we can be prepared when there is a home buying opportunity in the future. What is a Downpayment? A down payment is a big sum of money you need when buying a home. You may borrow money from the bank in the form of a home loan or mortgage, but a portion of the total cost must come directly from you. The down payment acts as an insurance of sorts for your lender. It is Not just About HOW to Save, But WHY You Should Save As we all know, there’s a correlation between inflation and home prices. If we don’t save up now, the global home price will slowly keep going up. Now is the time to be prepared and save up, so when there’s home price correction underway, you will have the purchasing power to own a home. The truth is that we all know how to save, but most of us are not aware of the reason why we need to save and that becomes problematic. In this book, we will go in depth on this topic. We will also be sharing unique ways to save up for a down payment and ways to save a lot faster than an average person. This is What You Are About to Discover.. ✔ Why is Saving so Important in General? ✔ Why is it Important to Own Your Home, Rather Than Rent? ✔ Budgeting and Keeping Track of Your Spending ✔ Extreme Ways to Save Fast ✔ The Important Things You Should Know Before Buying a Home Would You Like To Know More? --Don't Gamble on the Future-- Download now and Learn The Quickest ways to Save! Scroll to the top of the page and select the Buy Now button.
Author: United States. Dept. of Housing and Urban Development. Office of Policy Development and Research Publisher: ISBN: Category : Housing Languages : en Pages : 224
Author: Jane White
Author: Jane White
Author: Jane White
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Author: 
Author: Dian Hymer
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Author: Thomas.K.Lutz
Author: Jason R. Richardson
Author: United States. Dept. of Housing and Urban Development. Office of Policy Development and Research
Author: Dave Ramsey