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There is perhaps no more exciting and nerve-wracking time in the home buying process than when you decide to make an offer on a home. If it is accepted, you will be on your way to owning a new home-if not, you will be forced to make some difficult decisions. Your REALTORĀ® will help you get through the process of making an offer on a home. He or she can give you advice on how much to offer and what concessions you will make. But there are a few decisions you will have to make yourself, and be prepared to stick to them. How High Will You Go? If your initial offer on the home of your

One of the many things you will have to think about while you are in the process of buying a new home is the insurance you will need to protect it. Homeowner’s insurance is more than just a good idea-it is required by your lender as part of your mortgage contract. You will not be able to close escrow on your home if you do not have an appropriate homeowner’s policy in place. Homeowner’s insurance protects your home against multiple possible risks, from fire to burglary. A comprehensive homeowner’s insurance policy will provide coverage for your home as well as

If you are buying a new home on a tight budget, one of the options that will come to your attention is purchasing a condominium or townhome instead of a standard single family home. Because most of them share walls, condos and townhomes are more affordable. But before you consider moving into a multi-family complex, consider both the down and the up sides to such a purchase. The Difference Between A Condo And A Townhome New buyers may be confused as to the difference between a condo and a townhome. Both are attached homes, where at least one wall is shared between two units. One

Setting a budget for your home purchase is an important decision. You need to know how much you can afford each month and translate that into the amount you can afford to take out on your new mortgage. When you start house hunting with that budget in mind, you may find to your dismay that you are not seeing many homes in the price range you have set that match your needs. There are three choices you have in this situation. The first is to wait it out, keep looking, and hope the house you want comes up on the market in your price range. The second is to compromise and buy a house that is

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