First Time Home Buyer Program, First Time Home Buyer Guide

</head> <body text="#000000" bgcolor="#FFFFFF" link="#0000EE" vlink="#000099" alink="#999900"> Southern California - Orange County - San Diego County - San Bernardino and Riverside real estate information from the area's Agency for Homebuyers,southern california real estate,san bernardino real estate,riverside real estate,real estate,realestate,agency,home buyers,inland empire,information,exclusive buyers agents,homes,brokers,ca,cal <center> <p><a href="http://www.califcity.com/bestsellers.html"><img SRC="bestelling.gif" height=60 width=468></a></center> <a NAME="top"></a> <table BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%" > <caption><tbody></tbody> <h1> first time home buyer program</h1> <h2> first time home buyer guide</h2> </caption> <tr ALIGN=CENTER BGCOLOR="#FFFFFF"> <td></td> </tr> <tr ALIGN=CENTER BGCOLOR="#33CCFF"> <td><b><font color="#FF0000"><font size=+1>California City Real Estate </font></font></b> <br><b><font color="#FFFFFF">"Your Home and Land Specialist" </font></b> <br><b>7101-A California City Blvd., California City, Ca 93505 </b> <br><b>Tel (760) 373-2662  Fax (760) 373-2663 </b> <br><b><font color="#FF0000"><font size=+1><a href="http://www.califcity.com/email.html">CONTACT</a></font></font></b></td> </tr> </table> <center><table BORDER COLS=2 WIDTH="100%" BGCOLOR="#FF0000" > <caption> <center><tbody><b><font size=+2>First Time Home Buyer Programs / Home Buying Guide</font></b></tbody></center> </caption> <tr> <td> <center><b><font size=+1><a href="http://www.califcity.com/homescc.html">Homes in California City</a></font></b></center> </td> <td BGCOLOR="#33FF33"> <center><b><font size=+1><a href="http://www.califcity.com/hudva.html">HUD Homes and VA Repos</a></font></b></center> </td> </tr> </table></center> <center><b><font color="#000000"><font size=+2>Our Process Of Working With California City Home Buyers</font></font></b> <p><b><font color="#FF0000"><font size=+2>Welcome</font></font></b></center> <p><b>Thank you for viewing my page that describes how I work with buyers.  If you are still not sure if you should use the services of a Realtor, my page entitle Why Use A Realtor will give you valuable information.  I’m sure you realize the purchase of a home may be the largest financial investment you ever make.  It’s critical that a homebuyer be familiar with the basic purchasing process prior to searching for their dream home.  Knowledge is the key to making the search easier and more enjoyable when purchasing California City real estate.  In addition, an informed buyer is less likely to encounter the many pitfalls that may lead to serious problems.  I suggest you read my document on common buyer mistakes.</b> <p><b> It is important that a homebuyer works with a Real Estate Agent that enjoys working with buyers and is very familiar with the California City area. This may sound strange.  The truth is that many agents only concentrate on getting listings and working with sellers. Over the years I have honed a process that has proven to be very effective for finding ideal homes in the San Fernando Valley for my buyers.  You may want to view my client testimonial page and see how it worked for some recent clients.</b> <p><b> <font color="#FF0000">First Things First</font></b> <p><b>The first step of the process involves getting pre-approved or at least pre-qualified for a specific real estate mortgage amount.  Pre-qualification means the lender has run a credit report and reviewed the loan application.  Based on these factors, the lender estimates what the buyer would qualify for without verifying all the information given by the borrower.  Pre–approval on the other hand means all the information has been verified and the lender has agreed to make the loan subject only to the title report and appraisal of the new property.  Pre-approval carries more weight than pre-qualification.  This will put you in a stronger bargaining position when it comes to negotiating with the seller.  You may choose any lender you wish.  If you need a referral of an excellent lender with competitive mortgage rates, E-Mail or call me at 760-373-2662 and I will have one contact you.  There have been many recent changes in underwriting guidelines. This has made it possible for people with less than ideal financial status to obtain home loans at competitive rates.</b> <p><b>Another important reason to talk with a lender before purchasing is that a seller will not take your offer seriously unless a pre-approval or pre-qualification letter accompanies it.  It is not uncommon to have multiple offers on the most choice homes.  Without a letter from a lender, you are dead in the water.</b> <p><b><font color="#FF0000">Let The Search Begin</font></b> <p><b>Now comes the fun part!  When working with a new client, it is very important for me to determine what they are looking for in a home.  The first task is determining what community or communities of the Antelope Valley they would like to live in.  I ask new clients to give me a detailed description of the features they absolutely need.  After that, I ask them to rank the most important amenities they would like their new home to have.  Once I have an idea of where they want to live and what type of house they would like, I can determine if their budget is in line with their desires.  If the budget will allow me to show them homes that meet their criteria, were off to the races.  Sometimes a client describes a $300,000 house when we know their maximum purchase price cannot exceed $175,000.  At this point I will review the criteria they gave me.  I will make suggestions that will allow them to get as close as possible to their dream home on a limited budget.  I am often surprised how quickly we can come up with options that will satisfy the homebuyers and allow us to begin our real estate search.</b> <br>  <p><b>At this point, I will personally view all the active listings in the Antelope Valley that meet the criteria set forth by the homebuyers. This is important to note.  Many agents will only look at the Multiple Listing Sheets and decide to show their clients the houses that sound nice.  If you have ever read a newspaper ad for a house that sounded nice and then seen it in person only to find it is a dive, you know the importance of an Agent previewing real estate first.  After viewing the homes, I will select the top five or six homes to show my buyers at their convenience.</b> <br>  <h2> first time home buyer guide</h2> <b>After showing homebuyers property for the first time, I get a much better idea of their true tastes and desires.  From this point on, I am constantly looking for homes that I feel my clients would like to live in.  In fact, I search the Multiple Listing Service computer database at least once a day to catch new listings as they are just being uploaded.  Many agents wait for the paper copy of the MLS to arrive at their office to see what’s new.  There may be a three or four-day lag between the time a home was uploaded and the time the paper copy arrives at their office.  Speaking of lag times, Realtor.com only updates its listings once per week.  I want to get my clients out to the new listing as soon as possible!  I often E-mail my clients information sheets on homes as they are put into our database.</b> <p><b><font color="#FF0000">Making An Offer</font></b> <p><b>Upon finding a home my clients would like to make an offer on, I will make a comparative market analysis.  Basically it is like a mini real estate appraisal.  I look for all the homes similar to our subject property that are located close by and have sold recently.  I will also look for similar active listings.  Once the information has been compiled, I will review it with my homebuyers.  From this data we will determine what the true market value of the house is.  If my clients decide to buy the home, we will sit down and write an offer on the property.  Our goal is to get this home on their terms for as low a price as possible.  I always go over the different negotiating strategies with my clients and give as much advise as I can.  This offer will spell out how much the buyer is willing to pay for the home, what type of financing the buyer plans to obtain, how long an escrow period the purchaser would like and a myriad of other details important in the purchase of real estate.  I believe it is essential to spend a good deal of time educating my clients about the contract and emphasizing the importance of all the clauses.</b> <p><b>This brings us to the negotiation phase.  Ideally I will try to set up a time to meet with the seller and the real estate listing agent in person.  I say this because many agents will just FAX the offer to the other agent and hope for the best.  I believe my buyers have a far greater chance of obtaining their terms as set forth in the offer if I can be there in person and tell the sellers about the people that want to buy their home, explain the offer, overcome objections, build rapport, and answer any questions the seller may have.  This is a pivotal point in the purchasing process and if you are a buyer, it helps greatly to have someone in your corner pressing to get the offer accepted on your terms.  I believe my twenty-five years experience selling real estate gives me the ability to always be tactful and yet put forth compelling reasons for the seller to accept the offer.  If the seller does not accept the offer, the seller will usually issue a counter offer.  The counter offer essentially says the seller will accept the terms of the buyers offer with the following exceptions.  The seller then writes into the body of the counter offer the things they want changed in the original offer.  A buyer can accept the sellers counter offer, or give the seller a counter offer to the sellers original counter offer (it’s called a counter to the counter).  In real estate, all negotiating must be done in writing.  It is not uncommon for these counter offers to go back and forth a few times before both parties are willing to agree on all the terms and conditions.</b> <p><b>Assuming the buyer and seller come to an agreement on the price and the terms in writing, the offer is said to be “accepted”.  Within a day or two escrow is opened and the most important series of events will begin to take place. Please review my explanation of the escrow process in real estate.</b> <p><b><font color="#FF0000">Common Mistakes Buyers Make</font></b> <p><b><font color="#FF0000">#1</font> Failing to use the services of an experienced realtor.  Many buyers avoid using the services of a REALTOR under the mistaken belief that it costs them money - or that they will be able to negotiate a better deal directly with the seller or seller's agent. This can be an expensive mistake.</b> <p><b>If you are negotiating directly with the seller or seller's agent, you may not be taking advantage of the best deal available in the marketplace today! You can have your own REALTOR, a Buyer Broker or Purchaser's Agent, who is committed to using the experience gained through hundreds of successful real estate negotiations for your benefit - at no charge to you! Your agent can be paid from the same commission that the seller's agent is paid from - by the seller.</b> <h1> first time home buyer guide</h1> <b>Real estate is a unique business, where an agent with one day's experience and no sales gets paid the same as an agent with numerous years experience and hundreds of successful sales. An experienced agent can help you avoid the other costly mistakes outlined here, and make your home buying experience an enjoyable, stress-free one!</b> <p><b><font color="#FF0000">#2</font> Failing to be financially pre-qualified.  Knowing how much you can comfortably afford will ensure you are looking in the right price range and prevent you from buying a home that will strain you financially and emotionally.  Most sellers will not take an offer seriously unless a pre-qualification letter from a lender accompanies it</b> <p><b><font color="#FF0000">#3</font> Failing to have a Comparative Market Analysis prepared before offering. Before you make an offer to purchase that special home, you must have a good idea what the market value is to ensure you do not overpay. Your agent can prepare a Comparative Market Analysis showing what similar homes have recently sold for, and the difference between the asking and selling prices. This is the same type of report the seller receives when deciding on an asking price. Wouldn't you like to have access to the same information as the seller?</b> <p><b><font color="#FF0000">#4</font> Failing to recognize different negotiating styles and strategies.  Many buyers think that the only way to achieve a fair purchase price is by offering low. This is the strategy of the buyer who is not in possession of all the facts essential to negotiating the best possible deal. Many times that type of strategy will polarize negotiations and lead to inflexibility on part of the seller - or worse yet - failed negotiations!</b> <p><b>If you have chosen your REALTOR wisely, the most effective strategies for this particular situation will be revealed to you. Remember, in the real estate business, an agent with many successfully closed transactions usually costs the same as someone who is inexperienced. That experience could mean a better deal at the negotiating table with a minimum amount of hassles.</b> <p><b><font color="#FF0000">#5</font> Failing to have the home inspected by a competent home inspection company or engineer.  Buying a home is a major purchase usually made after spending just an hour looking at the home. Isn't it worth ensuring you will not be surprised later with deficiencies costing thousands? Your REALTOR can recommend several reputable companies for you to choose from, and will ensure the appropriate clause is inserted in the offer.</b> <p><b><font color="#FF0000">#6</font> Not knowing and understanding your rights and obligations set out in the Offer To Purchase. It is important to completely understand the terms of the Offer to Purchase. Wrong assumptions, poorly written or missing clauses, and not understanding how the clauses affect the purchase, can lead to increased costs or a void contract. An experienced REALTOR can thoroughly explain the agreement to you and help you to fulfill your contractual obligations.</b> <p><b><font color="#FF0000">#7</font> Letting emotion blind reason.  Buying a home is an exciting time and is usually an emotional decision. It is important that those emotions be validated by facts and reason. An experienced agent will help to remove the emotion from the negotiating process and provide you with the information you need to make the right decisions.</b> <p><b><font color="#FF0000">#8</font> Not knowing who the agent is really working for.  It is important for buyers to know and understand who the agent is working for. The agent may be working as a sub agent - representing the seller's best interests during negotiations - or as your agent representing your best interests during negotiations. If you are not sure who your agent is working for - ask for clarification. Your REALTOR must fully explain agency. When negotiations commence, wouldn't you want to know whether information you divulge will be used for the seller's benefit - or yours?</b> <br><b>Being aware of these Big Time mistakes will help ensure you receive best value for your dollar when the time comes to buy your home!</b> <p><b><font color="#FF0000">Home Loan Items You Will Need</font></b> <p><b>Please keep in mind that not everything may apply to your particular home buying situation. Every buyer's background is different and every buyer's current situation is different, especially if you are a first time home buyer in the Antelope Valley area. This list should be considered as "a general rule of thumb". You may want to review this info for a bit of encouragement regarding homes loans with bad credit.</b> <p><b>Also, depending on the type of home loan you get, you may not need any of the below !!!!</b> <p><b>" . . . You provided us with options we did not know existed . . . "</b> <br><b>Your current home address and, if renting, your landlord's name, address and telephone number. If you have lived at your current address less than two years, then you'll need the address of former residences (to total two years)</b> <br><b>Current and past employer information (again, two years), with their telephone numbers (if available)</b> <br><b>A listing of your bank accounts</b> <br><b>A brief listing of any assets you may have (car, retirement, etc.), if any.</b> <br><b>All income detail (a couple of recent pay stubs, bonuses, child support, social security income, etc.)</b> <br><b>A listing of current debts (credit cards and their account numbers with the minimum monthly payments, car debts, student loans, etc.)</b> <br><b>Your social security number</b> <br><b>Detail on any other homes and/or other real estate that you may currently own</b> <br><b>About three months of bank statements</b> <br><b>Two years of W-2 (IRS) information</b> <br><b>Although not immediately needed when applying for a home loan, bankruptcy discharge date and papers may be needed if you have had a bankruptcy. And, if you are divorced, a copy of your final papers may be needed as well. But don't worry about those documents until further along in the home loan application process.</b> <br>  <br>  <br> <br> <center> <p><b><font color="#FF0000"><font size=+2>Now you are ready to start looking for a home or land ownership!</font></font></b> <br><b><font color="#FF0000"><font size=+2>Call California City Real Estate at (760) 373-2662</font></font></b> <br><b><font color="#FF0000"><font size=+2>to make an appoinment to get started.</font></font></b></center> <p><br> <li> <b><font size=+1><a href="http://www.amazon.com/exec/obidos/external-search?tag=avbdcombookmusis&keyword=Revocable+Trust&mode=books">Revocable Real Estate Trust</a></font></b></li> <li> <b><font size=+1><a href="http://www.amazon.com/exec/obidos/external-search?tag=avbdcombookmusis&keyword=Fixer%20+Uppers&mode=books">Investing in Fixer Uppers</a></font></b></li> <li> <b><font size=+1><a href="http://www.califcity.com/building.html" http://www.avbd.com/building.html="">Gardening and Home Inprovement Center</a> </font>- Bestselling products at discount prices.</b></li> <li> <b><a href="http://www.amazon.com/exec/obidos/ASIN/1568843852/avbdcombookmusis">Home Buying for Dummies (For Dummies)</a> </b>-- Eric Tyson, Ray Brown; Paperback</li> <li> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0812925319/avbdcombookmusis">10 Steps to Home Ownership : A Workbook for First-Time Buyers</a> </b>-- Ilyce R. 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Perelman / Library Binding / Published 1993</dd> <br>Our Price: $39.95 <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0877540454/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0890439109/avbdcombookmusis">1999 Best Buys for Your Home (Annual)</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Consumer Reports(Editor) / Paperback / Published 1998</dd> <br>Our Price: $7.99 ~ <nobr><font color="#990033">You Save: $2.00 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0890439109/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0812925351/avbdcombookmusis">The American Bar Association Guide to Home Ownership : The Complete and Easy Guide to All the Law Every Home Owner Should Know</a> </b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd>  American Bar Association / Paperback / Published 1995</dd> <br>Our Price: $10.40 ~ <nobr><font color="#990033">You Save: $2.60 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0812925351/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0965485609/avbdcombookmusis">Build It Right! : What to Look for in Your New Home</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Myron E. Ferguson, Linda West (Editor) / Paperback / Published 1997</dd> <br>Our Price: $18.95 <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0965485609/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0793112931/avbdcombookmusis">Buy Your First Home!/Finding the Right House, Surviving the Mortgage Process, Avoiding the Pitfalls</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Robert Irwin / Paperback / Published 1995</dd> <br>Our Price: $11.96 ~ <nobr><font color="#990033">You Save: $2.99 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0793112931/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/079312851X/avbdcombookmusis">Buyer Beware : Insider Secrets You Need to Know Before Buying Your Home-From Choosing an Agent to Closing the Deal</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Carla Cross / Paperback / Published 1998</dd> <br>Our Price: $13.56 ~ <nobr><font color="#990033">You Save: $3.39 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/079312851X/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0938721623/avbdcombookmusis">Buying & Selling a Home</a> </b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd>  Kiplingers Personal Finance Staff, Knight A. Kiplinger (Introduction) / Paperback / Published 1999</dd> <br>Our Price: $14.36 ~ <nobr><font color="#990033">You Save: $3.59 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0938721623/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0951652877/avbdcombookmusis">Buying a Home Abroad</a> </b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd>  David Hampshire / Paperback / Published 1996</dd> <br>Our Price: $17.56 ~ <nobr><font color="#990033">You Save: $4.39 (20%)</font></nobr> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0951980467/avbdcombookmusis"> Buying a Home in Florida (Buying a Home)</a> </b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd>  David Hampshire / Paperback / Published 1996</dd> <br>Our Price: $13.56 ~ <nobr><font color="#990033">You Save: $3.39 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0951980467/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0951980432/avbdcombookmusis">Buying a Home in France (Buying a Home Series)</a> </b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd>  David Hampshire / Paperback / Published 1996</dd> <br>Our Price: $13.56 ~ <nobr><font color="#990033">You Save: $3.39 (20%)</font></nobr> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/190113010X/avbdcombookmusis"> Buying a Home in Ireland (Buying a Home Series)</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  David Hampshire / Paperback / Published 1999</dd> <br>Our Price: $14.36 ~ <nobr><font color="#990033">You Save: $3.59 (20%)</font></nobr> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0951980475/avbdcombookmusis"> Buying a Home in Italy (Buying a Home Series)</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  David Hampshire / Paperback / Published 1999</dd> <br>Our Price: $14.36 ~ <nobr><font color="#990033">You Save: $3.59 (20%)</font></nobr> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0951980459/avbdcombookmusis"> Buying a Home in Portugal</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  David Hampshire / Paperback / Published 1998</dd> <br>Our Price: $14.36 ~ <nobr><font color="#990033">You Save: $3.59 (20%)</font></nobr> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0951980440/avbdcombookmusis"> Buying a Home in Spain (Buying a Home)</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  David Hampshire / Paperback / Published 1997</dd> <br>Our Price: $13.56 ~ <nobr><font color="#990033">You Save: $3.39 (20%)</font></nobr> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0071342540/avbdcombookmusis"> Buying a Home on the Internet</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Robert Irwin(Preface), Doug Galen / Paperback / Published 1999</dd> <br>Our Price: $11.96 ~ <nobr><font color="#990033">You Save: $2.99 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0071342540/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0471024996/avbdcombookmusis">Buying a Home When You're Single</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Donna G. Albrecht / Paperback / Published 1994</dd> <br>Our Price: $11.96 ~ <nobr><font color="#990033">You Save: $2.99 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0471024996/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0793115833/avbdcombookmusis">Buying Your Vacation Home for Fun & Profit</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Ruth Rejnis, Claire Walter (Contributor) / Paperback / Published 1996</dd> <br>Our Price: $15.96 ~ <nobr><font color="#990033">You Save: $3.99 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0793115833/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0793127114/avbdcombookmusis">Century 21 Guide to Buying A Second Home: For Vacation, Retirement, Investment and More!</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Ruth Rejnis(Editor), et al / Paperback / Published 1998</dd> <br>Our Price: $12.76 ~ <nobr><font color="#990033">You Save: $3.19 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0793127114/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0793124247/avbdcombookmusis">Century 21 Guide to Buying Your First Home</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Patrick Hogan(Contributor), Century 21 / Paperback / Published 1997</dd> <br>Our Price: $11.96 ~ <nobr><font color="#990033">You Save: $2.99 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0793124247/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0793117836/avbdcombookmusis">Century 21 Guide to Buying Your Home</a> </b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd> Paperback / Published 1996</dd> <br>Our Price: $11.96 ~ <nobr><font color="#990033">You Save: $2.99 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0793117836/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0793117844/avbdcombookmusis">Century 21 Guide to Inspecting Your Home</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd> Paperback / Published 1996</dd> <br>Our Price: $12.76 ~ <nobr><font color="#990033">You Save: $3.19 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0793117844/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0793122953/avbdcombookmusis">Century 21 Guide to Selling Your Home (Century 21 Series)</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd> Paperback / Published 1997</dd> <br>Our Price: $11.96 ~ <nobr><font color="#990033">You Save: $2.99 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0793122953/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0830637850/avbdcombookmusis">Complete Book of Home Inspection</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Norman Becker P.E., Norman Becker / Paperback / Published 1993</dd> <br>Our Price: $13.56 ~ <nobr><font color="#990033">You Save: $3.39 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0830637850/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/1558702288/avbdcombookmusis">The Complete Guide to Buying Your First Home : Roadmap to a Successful, Worry-Free Closing</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  R. Dodge Woodson, Dodge R. Woodson / Paperback / Published 1992</dd> <br>Our Price: $13.59 ~ <nobr><font color="#990033">You Save: $3.40 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/1558702288/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/1558702768/avbdcombookmusis">The Complete Guide to Log and Cedar Homes : All About Buying, Building, Decorating, and Furnishing Log, Cedar, and Post & Beam Homes</a> </b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd>  Gary D. Branson / Paperback / Published 1993</dd> <br>Our Price: $14.39 ~ <nobr><font color="#990033">You Save: $3.60 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/1558702768/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0965129314/avbdcombookmusis">A Complete Guide to Planning, Building, Buying, Maintaining Inground Swimming Pools</a></b></dt> <dd> Daniel E. Ricchio / Paperback / Published 1998</dd> <br>Our Price: $9.95 <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0965129314/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0471131105/avbdcombookmusis">The Complete Home Buyer's Bible</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  William J. Molloy / Hardcover / Published 1996</dd> <br>Our Price: $29.95 <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0471131105/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0471131113/avbdcombookmusis">The Complete Home Buyer's Bible : Everything You Need to Know to Buy a Resale Home, a New Construction Home, a Building Lot</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  William J. Molloy / Paperback / Published 1996</dd> <br>Our Price: $15.96 ~ <nobr><font color="#990033">You Save: $3.99 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0471131113/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0940313103/avbdcombookmusis">The Complete Home Buyers Guide</a> </b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd>  Bruce N. Hahn / Paperback / Published 1995</dd> <br>Our Price: $12.95 <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0028619595/avbdcombookmusis">The Complete Idiot's Guide to Buying and Selling a Home (Complete Idiot's Guide To...)</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Shelley O'Hara, et al / Paperback / Published 1997</dd> <br>Our Price: $14.36 ~ <nobr><font color="#990033">You Save: $3.59 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0028619595/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0890439133/avbdcombookmusis">Consumer Reports 1999 Home Computer Buying Guide (Annual)</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Donna Heiderstadt, Consumer Reports (Editor) / Paperback / Published 1999</dd> <br>Our Price: $7.99 ~ <nobr><font color="#990033">You Save: $2.00 (20%)</font></nobr> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0890438943/avbdcombookmusis"> Consumer Reports Home Computer 1998 Buying Guide (Serial)</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Donna Heiderstadt, Consumer Reports (Editor) / Paperback / Published 1998</dd> <br>Our Price: $7.19 ~ <nobr><font color="#990033">You Save: $1.80 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0890438943/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/089043882X/avbdcombookmusis">The Consumer Reports Home Entertainment 1998 Buying Guide (Serial)</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Consumer Reports(Editor) / Paperback / Published 1997</dd> <br>Our Price: $7.19 ~ <nobr><font color="#990033">You Save: $1.80 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/089043882X/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0865341605/avbdcombookmusis">Contracting to Build Your Home : How to Avoid Turning the American Dream into a Nightmare</a></b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd>  Herschel G. Nance, James C. Smith (Editor) / Paperback / Published 1992</dd> <br>Our Price: $10.36 ~ <nobr><font color="#990033">You Save: $2.59 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0865341605/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0963533738/avbdcombookmusis">David Rathgeber's buying a home in the Washington, D.C. Metropolitan Area</a></b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  David Rathgeber / Paperback</dd> <br>Our Price: $9.95 <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0963533738/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0517888440/avbdcombookmusis">Dress Your House for Success : 5 Fast, Easy Step to Selling Your House, Apartment, or Condo for the Highest Possible Price!</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Martha Webb, Sarah Parsons Zackheim (Contributor) / Paperback / Published 1997</dd> <br>Our Price: $9.60 ~ <nobr><font color="#990033">You Save: $2.40 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0517888440/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0965039706/avbdcombookmusis">Dummy's Guide to Home Buying!</a> </b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd>  Rebecca Jodene Spalding / Paperback / Published 1997</dd> <br>Our Price: $11.96 ~ <nobr><font color="#990033">You Save: $2.99 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0965039706/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/1563821087/avbdcombookmusis">The E-Z Legal Forms to Buying/Selling Your Home : Do It Yourself Kit</a> </b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd>  Legal E-Z / Hardcover / Published 1997</dd> <br>Our Price: $15.16 ~ <nobr><font color="#990033">You Save: $3.79 (20%)</font></nobr> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/1563824116/avbdcombookmusis"> The E-Z Legal Guide to Buyin/Selling Your Home (E-Z Legal Guide, 13)</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd> Paperback / Published 1997</dd> <br>Our Price: $11.96 ~ <nobr><font color="#990033">You Save: $2.99 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/1563824116/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0966012070/avbdcombookmusis">Feng Shui : A Guide for Increased Real Estate Sales to Asians</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Sheida Hodge / Mass Market Paperback / Published 1998</dd> <br>Our Price: $11.96 ~ <nobr><font color="#990033">You Save: $2.99 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0966012070/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0671639617/avbdcombookmusis">The Field Guide to Home Buying in America : A Home Buyer's Companion from House Hunting to Moving Day</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Mark Levine, et al / Paperback / Published 1988</dd> <br>Our Price: $16.50 <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0671639617/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0783547900/avbdcombookmusis">Financing a Home (Time Life Books Your Money Matters)</a> </b>~ <nobr><font color="#990033">Usually ships in 2-3 days</font></nobr></dt> <dd>  Marc Robinson, Mare Robinson / Hardcover / Published 1996</dd> <br>Our Price: $3.47 ~ <nobr><font color="#990033">You Save: $1.48 (30%)</font></nobr> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0793117852/avbdcombookmusis"> Finding & Buying Your Place in the Country</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Les Scher, Carol Scher (Editor) / Paperback / Published 1996</dd> <br>Our Price: $20.76 ~ <nobr><font color="#990033">You Save: $5.19 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0793117852/avbdcombookmusis">Read more about this title...</a></i> <dt> <b><a href="http://www.amazon.com/exec/obidos/ASIN/0609803530/avbdcombookmusis">Finding Home : Buying the House That's Right for You</a> </b>~ <nobr><font color="#990033">Usually ships in 24 hours</font></nobr></dt> <dd>  Martha Webb / Paperback / Published 1998</dd> <br>Our Price: $9.60 ~ <nobr><font color="#990033">You Save: $2.40 (20%)</font></nobr> <br><i><a href="http://www.amazon.com/exec/obidos/ASIN/0609803530/avbdcombookmusis">Read more about this title...</a></i> <br><b><a href="http://www.amazon.com/exec/obidos/ASIN/0966013506/avbdcombookmusis">Bought Not Sold</a> Single Agency, Buyers' Brokers</b>by Ray Wilson, Thomas Early List Price: $14.95 Our Price: $11.96<font color="#990000"> You Save: $2.99 (20%)</font> Availability: Usually ships within 24 hours. <br><b><a href="http://www.amazon.com/exec/obidos/ASIN/0793126746/avbdcombookmusis">Buyer Agency</a> </b>: Your Competitive Edge in Real Estate by Don Harlan, Gail Lyons (Contributor), Donald L. 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