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1、BuyingyourfirstBuyingyourfirsthomehomePrintedonrecycledpaper35080-0506We’dliketohearanysuggestionsorideasyouhaveonthistopic.Pleasewritetousatpublications@ceridian.com.Besuretoincludethetitleofthebookletinyourmessage.Thankyou.WearegratefultoJudithA.Leonelli,t
2、heowner/brokerofarealestatefirminMendon,Massachusetts,forherexperthelpinthedevelopmentofthisbooklet.Ms.Leonellihasbeenworkinginthefieldofrealestatefor21yearsasalicensedrealestatebroker,memberoftheNationalAssociationofRealtors,residentialspecialist,relocation
3、specialist,andcertifiedbuyerrepresentative.?2006CeridianCorporation.Allrightsreserved.Contents2Yourfirsthome4Preparingtobuy12Mortgagebasics31Determiningyourpricerange46Yourhomesearch69Makinganofferandclosingthesale79Settlingin82HelpfultermsYourfirsthomeIfyou
4、’vedecidedtobuyyourfirsthome,youprobablyhaveadizzyingnumberofquestionsonyourmind.AmIreallyfinanciallyreadyforthisstep?HowmuchdoIneedforadownpayment?WhatkindofmortgageshouldIlookfor?Whathappensataclosing?Youmayfeelintimidatedbytheamountofworkabuyerneedstodo.Y
5、oumayworryaboutfindingtherighthomeatapriceyoucanaffordoraboutfindingtheprofessionalstoworkwithyou—yourrealestateagent,lawyer,inspector,andfinancingagent.Andyoumayfeelconfusedaboutwhatstepstotakeandinwhatorder.Thisbookletwasdesignedtohelptakethestressoutofbuy
6、ingahome.Itwilltakeyoustep-by-stepthroughthehome-buyingprocess.Fromunderstandingmortgages,attendingopenhouses,makingabid,negotiatingapurchaseandsaleagreement,andclosingthetransaction—whenthehomefinallyandofficiallybecomesyourown—itwillhelpyounavigatetheproce
7、sswithunderstandingandconfidence.TalkingtofriendsandfamilyaboutyourdecisiontobuyMostofthetime,friendsandfamilyarehappywhenyou’reabletobuyahomeofyourown.Butwhatifyou’resingleandyourfamilythinksyoushouldn’tbuyuntilyou’remarried?Orfriendssayyou’retooyoungtomake
8、suchabiginvestment?Ifyourfamilyorfriendsarelessthansupportive,remindyourselfofthereasonsyouhavedecidedtobuysoyoucandiscussthemconfidently.Letyourparentsorfriendsknowthatyou’vedoneyourresearchand
