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To rent or buy

Jack and Lucile Buy © Home

A history of First Time Home Owner

An article in the series The

Putting the pieces of the

Real Estate

Back Together

Should you rent or buy? Unless circumstances dictate otherwise, how can not afford to buy? An inventory large short sales and foreclosed homes (REO) offers available and waiting to be made. The $ 8,000 tax credit for buyers is a dollar dollar compensation from their taxes. It's like the IRS by writing a check for $ 8,000 and gives you at tax time. Wow, how can it be afford to spend that? It's a good time to buy a house at a market price is below market value.

Consider the choice facing Jack and Lucille Kelly. They living in an apartment with a pool and a cabana where they join their friends in the hot summer days. They live in a nice two-bedroom corner unit overlooking the parking and container. The container also reminded that it is now half the summer.

They are doing well in their careers, both at work and are thinking about starting a family. It will need more space. Lucille job lets you work from home, but when they have guests at night, your home office can be used. If they start a family, only to be viable. They see the foreclosures in the neighborhood, and are wondering what kind of deals are being offered. The weekend will also visit some of the subdivisions of the city to see what new homes are available in your price range. His preference is to have something else with shorter commutes and convenient for the market, the gym, friends and work of Jack. So I looked at purchasing a foreclosure. Everyone is talking about it nowadays.

A true friend of property agent told them that there are some great deals available in the areas that suit them. Last weekend we identified three that could work. Lucille fell for a period of three bedrooms, two bathrooms. She has an office room that would in the perfect home for her. Its easy realtor was optimistic but warned them both to be objective about the process. "If you want to make the best offer, do not become emotionally attached, up close, "he said. Lucille, however, still in love with his favorite house.

Jack in the other part wonders if can afford. Now that you have a down payment saved, are interested in numbers. Your rent is almost $ 1200 a month. That's $ 14,400 a year in rent that could pay a mortgage, and pay their own electric bill. An offer at the home of Lucille fell in love would be in the $ 150,000 to $ 155,000 ball park. Buying a foreclosure would get them a little more house for the money due to favorable selection and motivated sellers. They thought it would take about $ 5,000 to favorite Lucille perfect, unless you did some work themselves. Corridor believes that with its $ 15,000 payment to an offer of $ 150,000 to buy the house. With a loan of 6% from their monthly PITI, principal, interest, taxes and insurance would be $ 1,180 a month. This is a little less than his current income. You could even qualify for a lower interest rate. Your credit score is a healthy 735, and adequate income. Your mortgage, taxes, utilities public ownership of housing and the cost would be less than one third of their income.

Since you have not owned a home in the previous three years qualify for the tax credit of $ 8,000. His agent thinks he can get a new garage door opener and garbage disposal installed as part of the contract without cost to them. Jack likes the extra incentive. With the tax credit and deductions from your mortgage payment, the numbers work in your favor, and will cost less to own a home than renting. It would also have enough space to raise a family, for customers and for the home office of Lucille. The backyard and patio are perfect for grilling and entertaining their friends. They can always go out with them around the pool at the apartment of age, if they want to swim. The American dream is now in sight, and not having to move an additional 40 minutes to experience it. In addition, new subdivisions do not have many trees and all you see is rooftops.

Since the purchase of housing and the eventual sale can lead to considerable economic benefits, is also a good business decision. His agent advised them to temper the emotional aspects of buying a house with pilots. Good advice, and kept them from buying a home too. They will be able to handle well, even if they start a family.

History Closing

The day finally arrived this afternoon at 3:00 Jack and Lucille become owners. They did their homework, got to know the neighborhood that fit their lifestyle needs and submitted an offer with your real estate agent for guidance. She really knew their market and how to work with bank. It seems like only a matter of patience and experience, and had plenty of both. It was a good day, when they found her website and contacted her for help to find the right home for them. There was great mortgage calculators that helped them determine how much you can afford. He went further, she helped to illuminate the house how much they could afford. Lucille and Jack are married to each other, and not their home. There were overextending themselves in a time when the planned start of his family. Worth listening to experts and to talk with trusted friends, otherwise it might have been tempted to over-purchase.

The new house liked construction in the subdivision was brilliant and aggressive marketing by the manufacturer. It has some great features, and everything was new. Unfortunately is an additional 40 minutes by car and car wear and nerves, not to mention the cost of rising gas made a huge difference. Jack took 40 minutes every morning and every evening to spend with Lucille and her growing family. Soon he was three, and Lucille was excited about equipping a nursery.

The house of the selected was 15 years old, in good condition. With Jack and Lucille make some home improvements, it would take much to fix. Frankly, after countertops, a new dishwasher, new flooring in French cuisine and some doors to replace an old sliding patio door, the house was virtually new. The bank had already hurt inside. All I had to do was to paint an accent wall in your room and some fairy tale characters on a wall in the nursery. His agent has to some great deals on counter tops and dish washer. There are a lot of traffic from people with less to do these days, and knew that the best rental hire.

Tomorrow the kitchen floor and French doors should be installed. The countertops will be on the weekend, and the trend forecast for Monday. Lucille book club and golf Jack partners are fulfilled in the new house tonight for a visit and to help prepare the house to move into. Jack and Lucille plan to celebrate during lunch and then to roll up their sleeves and get to work. In the morning we will start bringing over some personal items and open the house for work teams. His enthusiasm smiled closing officer. He told the happy couple about the exclusion that she and her husband bought a few months ago. They settled in and are very pleased with your choice.

Jack's best friend Steve designed a deck and barbecue area in the backyard. Steve is a large improvement projects for the home. Imagine that the materials cost less than $ 700, and Group golf club Jack and Lucille book are paying for raw materials as a gift from God, and coming from a house warming in a few weeks after construction of the bridge. After the closing papers are signed, is to meet some new neighbors and see their new home. Who said can not have your cake and eat it? It tastes very sweet, Lucille and Jack.

For complete information and guidance on the way to the short sale REO and go to my website, and thebesthomebuysinamerica.com find the help you need to improve your score.

Join them in celebrating one of the best U.S. home purchase today!

Tony Alonzi

About the Author

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