[国外经济类书籍大全]-amacom-the-home-bu

TheHomeBuyer’sQuestionandAnswerBookBridgetMcCreaAmericanManagementAssociationNewYork•Atlanta•Brussels•Chicago•MexicoCity•SanFranciscoShanghai•Tokyo•Toronto•Washington,D.C.PAGEi..........................10931$$$FM10-21-0408:02:11PSSpecialdiscountsonbulkquantitiesofAMACOMbooksareavailabletocorporations,professionalassociations,andotherorganizations.Fordetails,contactSpecialSalesDepartment,AMACOM,adivisionofAmericanManagementAssociation,1601Broadway,NewYork,NY10019.Tel.:[phone].Fax:[phone].Website:isaRegisteredcollectivemembershipmarkthatidentifiesarealestateprofessionalwhoisamemberoftheNationalAssociationofREALTORSandsubscribestoitsstrictCodeofEthics.AMACOMusesthesenamesthroughoutthisbookininitialcapitallettersorALLCAPITALlettersforeditorialpurposesonly,withnointentionoftrademarkviolation.LibraryofCongressCataloging-in-PublicationDataMcCrea,Bridget.Thehomebuyer’squestionandanswerbook/BridgetMcCrea.p.cm.Includesindex.ISBN0-8144-7236-2(pbk.)1.Residentialrealestate—Purchasing—UnitedStates.2.Housebuying—UnitedStates.3.Condominiums—Purchasing—UnitedStates.4.Mortgageloans—UnitedStates.I.Title.HD259.M332005643
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0973—dc2220040119862005BridgetMcCreaAllrightsreserved.PrintedintheUnitedStatesofAmerica.Thispublicationmaynotbereproduced,storedinaretrievalsystem,ortransmittedinwholeorinpart,inanyformorbyanymeans,electronic,mechanical,photocopying,recording,orotherwise,withoutthepriorwrittenpermissionofAMACOM,adivisionofAmericanManagementAssociation,1601Broadway,NewYork,NY10019.Printingnumber10987654321PAGEii..........................10931$$$FM10-21-0408:02:11PSContentsIntroduction1PARTI:HomeBuying1015ChapterOne:CommonQuestionsAbouttheHomebuyingProcess71.WhyshouldIbuyahome?72.Howdifficultarethefinancialaspectsofpurchasingahome?93.What’stheprocessforbuyinganewhome?104.What’sthemarketlikeforfirst-timehomebuyers?115.HowcanIdeterminemylocalmarketconditions?126.HowdoIdeterminemyhousingneeds?137.Howcanemotionsaffectthehomebuyingprocess?148.WhatisaREALTOR?159.Whatisthedifferencebetweenabuyer’sagentandaseller’sagent?1510.HowareRealtorspaid?1611.HowdoIchooseabuyer’sagent?1612.CanIfindmyhomeontheInternet?1713.HowdoIstartmyInternethomesearch?1814.HowlongshouldIplantoliveinmynewhometomaketheinvestmentworthwhile?1815.Whatisastarterhome?1916.WhatshouldIconsiderwhenlookingatstarterhomes?2017.Howimportantislocationinthehomebuyingprocess?2118.HowdoIdeterminewhetheraneighborhoodisrightforme?2219.HowmuchhomecanIafford?2320.WhatifIcan’tfindthehomeofmydreams?25ChapterTwo:NailingDowntheFinances2721.Howmuchdohomescost?2722.Whatisamortgage?29PAGEiiiiii..........................10931$CNTS10-21-0408:02:15PSivContents23.HowdoIdeterminehowlongthetermofmymortgageshouldbe?2924.ShouldIgetafixed-rateoranadjustable-ratemortgage?3025.Whatisaprequalificationletter?3126.Whatisapreapproval?3227.Whatisaloanapplication?3228.Whatarelenderslookingfor?3329.WhatshouldIaskmymortgagelender?3530.Whatisacreditreport?3631.Whatdoesalowcreditscoremean?3832.HowdoIimprovemycreditscore?3933.Whataremydown-paymentoptions?3934.WhatmortgageprogramsareavailableifIdon’thavethedownpayment?4135.WhatshouldIkeepinmindwhenlookingforasubprimeloan?4236.Whatareclosingcosts?4237.HowcanIreducemyclosingcosts?4338.CanIgetamortgageonline?4439.WhatinformationmustIgivetoobtainamortgageonline?4540.Whatgovernmentresourcesareavailableforhomebuyers?4641.WhatisaVeteransAdministrationloan?4742.WhatisFannieMae’sCommunityHomeBuyer’sProgram?4843.WhatisaFederalHousingAdministration(FHA)loan?4844.Whathomebuyerprogramsareavailableinmyregion?4945.Whatissellerfinancing?5146.Issellerfinancingagoodthing?5147.WhatisPITI?53ChapterThree:TheHouseHunt5548.WhatshouldIdobeforesearchingforahome?5549.HowdoIstartthehouse-huntingprocess?5650.WhatresourcescanItaptohelpwithmyhousehunt?5751.WhatshouldIkeeptrackofwhenlookingathomes?5952.Whatisthemultiplelistingservice(MLS)?6353.HowcanIaccesstheMLS?6354.WhatisavirtualofficeWebsite(VOW)?6455.AreMLSpostingsaccurateandup-to-date?6556.Whatarethedifferenttypesofrealestateagents?6557.HowdoIdecidewhichtypeofagenttouse?6658.WhatshouldIlookforwhenpreviewinghomes?6859.WhatshouldIaskifthehouseneedswork?6960.WhatshouldIlookforinanewlyconstructedhome?7061.Whatisanopenhouse?7162.Whatisasecondshowing?7263.WhatshouldIlookforduringthesecondshowing?7364.Howlongwillittaketofindmyhome?76PAGEiv..........