L3 presentation5
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The document outlines the five basic steps to buying a home: 1) determine home ownership needs such as budget and housing type, 2) locate and evaluate potential homes, 3) price the property, 4) obtain financing like a mortgage, and 5) close the purchase transaction with necessary funds and documents. It also discusses determining an affordable price range, qualifying for a mortgage based on income and down payment, different types of mortgages, closing costs, selling an existing home through repairs, pricing, and using a real estate agent.
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The revival of real world assets (RWA) in crypto marked one of 2024’s most quietly transformative narratives. While attention remained fixated on memecoins, Layer 2 ecosystems, and political betting markets, RWA steadily evolved from a niche experiment into one of the most credible and capitalized sectors in crypto.
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L3 presentation5
- 1. Buying a Home 04/09 Lesson Five $ Presentation 狠狠撸s
- 2. buying a home www.practicalmoneyskills.com buying a home slide 5-A Buying a home is easier than you might think – we'll walk you through the five basic steps. phase 1: determine home-ownership needs ■ What type of housing should I buy? ■ How much can I afford to spend? phase 2: locate and evaluate a home ■ Where do I want to live? ■ What aspects of the home need improvement? phase 3: price the property ■ What is an appropriate market price? ■ How much negotiation movement exists? phase 4: obtain financing ■ How much down payment is available? ■ What are current mortgage rates? ■ Can I qualify for a mortgage? ■ What type of mortgage should I get? phase 5: close the purchase transaction ■ What funds and documents will be needed for the closing? ■ Is everything understood before the final signing?
- 3. ■ Determine the estimated value of the home you would like to purchase. ■ Obtain funds for a down payment from savings or through gifts or loans from family members. ■ Reduce other debts or improve your credit record, if necessary. ■ Compare fees, services, and mortgage rates for different lenders. ■ Prepare the mortgage application. your mortgage acceptance will be based on your credit record. The amount of the mortgage for which you qualify will be influenced by: ■ Your income ■ The amount available for a down payment ■ Current mortgage rates qualifying for a mortgage www.practicalmoneyskills.com buying a home slide 5-B
- 4. types of mortgages www.practicalmoneyskills.com buying a home slide 5-C fixed-rate, fixed-payment mortgages: ■ Conventional 30-year mortgage ■ Conventional 15- or 20-year mortgage ■ FHA/VA fixed-rate mortgage ■ “Balloon” loan (3-10 year terms) adjustable-rate, variable payments: ■ Adjustable-rate mortgage (ARM) ■ Graduated-payment mortgage ■ Growing-equity mortgage other financing methods: ■ Buy-downs ■ Shared-appreciation mortgage (SAM) ■ Second-mortgage (home equity loan) ■ Reverse mortgage ■ Refinancing
- 5. closing costs www.practicalmoneyskills.com buying a home slide 5-D at the real estate transaction settlement, commonly referred to as the “closing”. the following are some of the costs that are typically incurred by a person buying a home: ■ Title search fee ($50-$150) ■ Title insurance ($100-$600) ■ Attorney fees ($50-$700) ■ Appraisal fee ($100-$300) ■ Recording fees and transfer taxes ($15-$30) ■ Credit report ($25-$75) ■ Termite inspection ($50-$150) ■ Lender’s origination fee (1-3% of loan amount) ■ Reserves for home insurance and property taxes (amount varies) ■ Interest paid in advance (if applicable)
- 6. selling your home www.practicalmoneyskills.com buying a home slide 5-E before putting your home on the market, make any preparations that could increase appeal and market value ■ Make necessary repairs ■ Paint exterior and interior areas ■ Update various features (such as new carpeting or plumbing fixtures) determine the selling price, based on: ■ An appraisal to estimate current market value ■ The location, features, and age of the home ■ Current mortgage rates and market demand in your area decide if you will do a sale by owner ■ Advertise your home in various media (e.g., newspapers, internet, flyers) ■ Be ready to meet and show your home to prospective buyers ■ Make use of the services of a lawyer and/or title company for the legal aspects consider using the services of a real estate agent ■ Interview two or more agents to compare their services and experience ■ Expect the agent to provide a marketing plan and to handle the financial and legal aspects of the sale ■ Communicate with the agent on a regular basis regarding the selling price and prospective buyers