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Pre-Qualification: Meet with a mortgage broker and find out how much you can afford to pay for a home. Pre-Approval: While knowing how much you can afford is the first step, sellers will be much more receptive to potential buyers who have been pre-approved. You'll also avoid being disappointed when going after homes that are out of your price range. With Pre-Approval, the buyer actually applies for a mortgage and receives a commitment in writing from a lender. This way, assuming the home yo... [Read More]

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Most cities require that homeowners obtain a building permit before making modifications to their residence. Which modifications require a permit vary by city. Also, some cities are more vigilant than others in enforcing permit laws. In order for the homeowner to receive a permit, the homeowner or his/her designee are required to file plans and pay fees to the city. In addition, the improvements are given a value. If they increase the value of the property, this may result in an increase in p... [Read More]

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Buying a home is one of the most important purchases most people will make. In order to make the right decision the first time, potential buyers need to be prepared. Consider the following before starting negotiations: Be prepared. Research the housing market in the target area. Once you have information about the general area, focus on the particular property and seller. Look for answers to questions such as: Why is the homeowner selling? (If they're moving because they find the area und... [Read More]

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