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Benefits of Owning Your Own Home
  • The Best Investment
  • Income Tax Savings
  • Stable Monthly Housing Costs
  • Forced Savings
  • Freedom and Individuality
  • More Space

    Important Things To Avoid Before Buying a Home
  • Don't Move Money Around
  • The Effect of Changing Jobs
  • No Major Purchases of Any Kind

    Don't Buy a Car - or Did You Already Buy One?
  • When Income Grows and You Want to Buy "Stuff"
  • Debt-to-Income Ratios and Car Payments
  • How Buying a Car Reduces Your Purchase Price

    The Business Cycle and Buying a Home
  • Recession and Expansion
  • Supply and Demand
  • Should You Try to "Time the Market"?

    Comparable Sales and Your Offer Price
  • Determining Your Offer Price
  • Comparable Sales in the Public Record
  • Comparable Sales in the Multiple Listing Service
  • Comparable Sales - Pending Transactions
  • Other Factors Influencing Your Offer Price

    Major Factors Influencing your Offer Price
  • How Property Condition Affects Your Offer
  • How Home Improvements Affect Your Offer
  • How Market Conditions Affect Your Offer
  • How Seller Motivation Affects Your Offer
  • The Final Decision on Your Offer Price
  •           Offering to Purchase Real Estate- the Basics
  • Introduction and Overview
  • Contingencies in a Purchase Offer
  • Earnest Money Deposit
  • The Closing Date
  • Transfer of Possession

    Writing an Offer - Safeguards Regarding the Property
  • Disclosures From the Seller
  • Condition of the Property Upon Transfer
  • Inspections You Should Require
  • Final Walk-Through Inspection

    How Financing Details Affect Your Offer
  • Down Payment
  • Interest Rates
  • Closing Costs and Financing Incentives
  • Seller Financing
  • Cash Offers
  • Other Financing Details in Your Offer

    How FHA and VA Financing Affects Your Offer
  • Extra Costs for the Seller
  • VA and FHA Appraisals

    Selecting Service Providers
  • You and the Seller Must Agree
  • Escrow and Settlement
  • Title Insurance
  • Termite and Pest Inspection

  •       Tori Boysen
    Prudential Carolinas Realty
    110 Oakwood, Suite #110
    Winston-Salem, NC 27103
    Phone: 336.659.3239
    Fax: 336.768.7988