Benefits of Owning Your Own Home
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purple1 The Best Investment
purple1 Income Tax Savings
purple1 Stable Monthly Housing Costs
purple1 Forced Savings
purple1 Freedom and Individuality
purple1 More Space

Important Things To Avoid Before Buying a Home
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purple1 Don’t Move Money Around
purple1 The Effect of Changing Jobs
purple1 No Major Purchases of Any Kind

Don’t Buy a Car – or Did You Already Buy One?
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purple1 When Income Grows and You Want to Buy “Stuff”
purple1 Debt-to-Income Ratios and Car Payments
purple1 How Buying a Car Reduces Your Purchase Price

The Business Cycle and Buying a Home
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purple1 Recession and Expansion
purple1 Supply and Demand
purple1 Should You Try to “Time the Market”?

Comparable Sales and Your Offer Price
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purple1 Determining Your Offer Price
purple1 Comparable Sales in the Public Record
purple1 Comparable Sales in the Multiple Listing Service
purple1 Comparable Sales – Pending Transactions
purple1 Other Factors Influencing Your Offer Price

Major Factors Influencing your Offer Price
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purple1 How Property Condition Affects Your Offer
purple1 How Home Improvements Affect Your Offer
purple1 How Market Conditions Affect Your Offer
purple1 How Seller Motivation Affects Your Offer
purple1 The Final Decision on Your Offer Price

Offering to Purchase Real Estate- the Basics
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purple1 Introduction and Overview
purple1 Contingencies in a Purchase Offer
purple1 Earnest Money Deposit
purple1 The Closing Date
purple1 Transfer of Possession

Writing an Offer – Safeguards Regarding the Property
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purple1 Disclosures From the Seller
purple1 Condition of the Property Upon Transfer
purple1 Inspections You Should Require
purple1 Final Walk-Through Inspection

How Financing Details Affect Your Offer
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purple1 Down Payment
purple1 Interest Rates
purple1 Closing Costs and Financing Incentives
purple1 Seller Financing
purple1 Cash Offers
purple1 Other Financing Details in Your Offer

How FHA and VA Financing Affects Your Offer
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purple1 Extra Costs for the Seller
purple1 VA and FHA Appraisals

Selecting Service Providers
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purple1 You and the Seller Must Agree
purple1 Escrow and Settlement
purple1 Title Insurance
purple1 Termite and Pest Inspection