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Cheap Homes
How To Save Thousands Buying Your Next House
The first chapter
may be in you email right now. If you don't see it in the next
few minutes, check your "bulk" or "junk"
mail folder. You'll get all the chapters by email over the coming
weeks - and it really is the same book. But if you want it all
sooner you can always return to the homepage and buy it as a
PDF e-book for a reduced rate.
Steve
Gillman
Webhiker LLC
415 Pike Ave, Canon City CO 81212
(Below is the introduction
and table of contents.)
How
To Use This Book
Use the information here
and you will save a lot of money buying your next home. There are five basic ways to do this,
and each is covered in it's own section. While it's possible
to use the techniques and information from all five sections,
you can also just jump straight to the section that you think
will help the most. Read the section descriptions below
to get started.
(Once you have
read this book, use the home buying checklist.)
Section
1 : Buy In Inexpensive Towns
There are still towns in this
country where you can see a good movie, put the kids in a good
school, go shopping, enjoy nearby natural beauty, and buy homes
for under fifty thousand dollars. My wife and I bought a beautiful
little home with hardwood floors, a full carpeted basement, and
a garage, in a pretty mountain town, for $17,500, in 2002. You
can still get homes for under $35,000 there.
What you can't get very easily
there, is a good job. These towns with the cheapest homes usually
have a bad job situation. They are great places to retire to,
or to move to if you have a business or profession that isn't
location-dependent. Writers and internet entrepreneurs are beginning
to discover them. If you already have determined where you will
be living, or if you need a town with high-paying jobs, you can
skip this section.
Section
2 : Buy Inexpensive Houses
Another way to save when buying
a home is to find a less expensive alternative that still fits
your needs. This can mean buying in the inexpensive parts of
town, or buying the inexpensive types of homes. Don't set your
mind on one type of home or one neighborhood before you know
what all the alternatives are.
This section isn't about buying
a cheap dump to save money, or buying in a dangerous part of
town. It is more about a philosophy of defining your true needs
so you can find the least expensive way to meet them. You may
be surprised at what is available for less.
Section
3 : Negotiate A Lower Price
No matter what you buy, you
can save a lot if you know a few basic negotiating techniques.
You'll find some of the best here. Is it worth a few minutes
reading and an hour or two of practice to save thousands of dollars?
These are negotiating techniques
that are used by the masters of negotiation. They are used in
all areas of business and real estate. However, I use real life
examples, some from my own experience, and all involving home-buying.
Section
4 : Finance For Less
You can pay the full asking
price on a home and still spend thousands less than another person
might. It isn't just price, but financing too that makes a home
affordable. Pay a lower interest rate, and you can save many
thousands of dollars. You can pay low or no loan fees, avoid
mortgage insurance, save on appraisals, and more.
Section
5 : Save On Everything Else
This is all the information
that doesn't fit into the other four sections. You'll find a
checklist for moving, a walk-through inspection list, some tips
on hiring an inspector, and more. There are dozens of ways to
save money here. You can get cheaper inspections, pay lower taxes,
pay less for homeowners insurance, and save on closing costs.
Skip this section and you might pay hundreds or thousands more
to own your next home.
....................................................
Table Of Contents
Section 1 : Buy In Inexpensive Towns
Chapter One : Our Own Story
Chapter Two : What Kinds Of Towns?
Chapter Three : Inexpensive Towns
Chapter Four : Finding Your New Hometown
Section 2 : Buy Inexpensive Houses
Chapter Five : Housing That Costs Less
Chapter Six : Why Buy Mobile Homes?
Chapter Seven : Condominiums and Co-ops
Chapter Eight : Fixer Uppers
Chapter Nine : Other Housing
Section 3 : Negotiate A Lower Price
Chapter Ten : The Elements Of Negotiation
Chapter Eleven : Specific Negotiating Techniques
Chapter Twelve : Buying FSBO Real Estate
Chapter Thirteen : Home Inspection As A Negotiating Tool
Chapter Fourteen : Basic Negotiation Checklist
Section 4 : Finance For Less
Chapter Fifteen : Saving Money On Money
Chapter Sixteen : The Elements Of A Loan
Chapter Seventeen : Types Of Loans
Section 5 : Save On Everything Else
Chapter Eighteen : Closing Statement Charges
Chapter Nineteen : Hiring A Home Inspector
Chapter Twenty : Property Inspection Checklist
Chapter Twenty-One : Checklist For Moving
Chapter Twenty-Two : Hiring Home Contractors
Chapter Twenty-Three : Save On Home Owner's Insurance
Chapter Twenty-Four : Save On Property Taxes
Chapter Twenty-Five : Is Your Real Estate Agent A Spy?
Chapter Twenty-Six : Fixing Your Credit Report
Chapter Twenty-Seven : Costly Mistakes To Avoid
Chapter Twenty-Eight : More Ways To Save Money
...................................
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