ࡱ> -/*+, 3bjbj DeeU)^c668<>^zzzzS UT^U,]]]]]]]$8`bv]URSUU]66zz8]YYYU6zz]YU]YY\>h\zP$]TVH\]^0>^\,`cW&`c\`c\YUUU]]YUUU>^UUUU`cUUUUUUUUU :  BUYING A HOME There are 9 steps to buying a home. Use this packet to go through the entire process. You will also be given another sheet with your personal financial information on it in order to help you through the process. Step 1: Figure out how much you can afford. Go to  HYPERLINK "http://www.financialcalculators.com" www.financialcalculators.com. Find the Mortgage Calculators section. Choose the How Much Home Can I Afford? Calculator. Scroll down to the link: How much home can you afford. Input the necessary numbers from your given situation.            Look for this in the results:   Go back to financialcalculators.com. Click on Should I Rent or Buy a Home? calculator. Input your current rent. Input the purchase price of home from the first calculator. You have a 20% down payment. Your loan will be for 30 years at 5%. Input the number of years you plan to stay in home. How much will you save (or not) by buying the home over the years you will live there? I would save $71,906 by staying in an apartment. Step 2: Know Your Rights. All borrowers have rights when getting a home loan. You should ask questions about the loan, and realize that you can shop around for a home loan. Do a Google search to find the current APR for: 30 year fixed mortgage? 4.064% 15 year fixed mortgage? 3.253% What website did you use? 2.921% Step 3: Shop for a Loan Go to www.hud.gov/buying. Click on the Looking for the best mortgage: shop, compare, negotiate link. Open the PDF and look through the materials (and especially the glossary) to answer the questions below: Which type of loan is better: Fixed-rate or Adjustable-rate loans? Why? Fixed are better because the price stays the same but with an adjustable it will start of lower but soon go much higher up. What is PMI and when is it required? Private mortgage insurance to protect the lender in case the home buyer fails to pay The money held in escrow is used to pay for: Home owner uses it to pay for taxes and insurance Step 4: Learn about Homebuying Programs Nothing to do in this stepjust be aware that there are programs available to help those that cannot afford a house on their own. For example, Habitat for Humanity will use volunteers to build a house for a needy family, if the family qualifies. Step 5: Shop for a Home First you should choose a real estate agent. As a first time homebuyer, you should NEVER buy without an experienced agent. Plus, it costs you NOTHING! Real Estate agents are paid by the sellers of a home, and first time home buyers are not selling their homes, so they pay nothing! There is nothing for you to do for this step, just remember this for your future! Next you make a wish list. Fill in the wish list on the following 2 pages. The Basics: 1. What part of town (or country) do you want to live in? OKC, OK 2. What price range? No less than ? 50,000 but no more than? 250,000 3. Are schools a factor and, if so, what do you need to take into consideration (e.g. want specific school system, want kids to be able to walk to school, etc)? no 4. Do you want an older home or newer home (less than 5 years old)? newer 5. What kind of houses would you be willing to see? Mark all that apply. One Story 2 story Split Foyer Split level Townhouse/condo Mobile home 6. What style of house appeals to you most? Contemporary Traditional Southwestern Colonial No Preference 7. How much renovation would you be willing to do? A lot A little None 8. Do you have to be close to public transportation? Yes No 9. Do you have any physical needs that must be met, such as wheelchair access? no 10. Do you have any animals that will require special facilities? If so, what? Fenced in backyard preferably 11. The lot Must Have Would Like to have Larger than 1 acre x Smaller than 1 acre Fenced-in yard x Garage x Carport Patio/deck Pool Hot Tub/Spa Extra Parking Outbuildings Special view The Interior 12. How many bedrooms must you have? 2 Would you like to have? 3 13. How many bathrooms do you want? 2.5 14. How big would you like your house to be (square feet) No less than: 2000 Not more than: 15. What features do you want to have in your house? Must Have Would like to have Air Conditioning x Carpet Ceramic tile Hardwood floors x Eat-in Kitchen x Formal Dining Room Family Room x Greatroom Den or library Basement x Laundry Room x Fireplace Workshop No Interior Steps in-law apartment Spa in bathroom Lots of windows 16. Are there any other special features or needs that you must consider when youre looking for a home? After filling out your wish list, you get to go shopping for a house. You would normally go visit many homes with your agent to find the best home to fit your needs. We are going to do this online instead. Use the following websites to find homes close to your maximum price from page 1.  HYPERLINK "http://www.iowarealty.com" www.iowarealty.com --This one usually has the most information!  HYPERLINK "http://www.zillow.com" www.zillow.com  HYPERLINK "http://www.coldwellbanker.com" www.coldwellbanker.com  HYPERLINK "http://www.neiltimmins.com/" http://www.neiltimmins.com/  HYPERLINK "http://www.remax.com" www.remax.com http://www.realtor.com/realestateandhomes-search/Oklahoma-City_OK/beds-2-4/baths-1h-4/type-single-family-home,condo-townhome-row-home-co-op/price-50000-200000/sqft-7/pfbm-10?ml=3 There are many others, and you can use any websites that have home listings. Find the top 3 homes that meet as many of your wish list items as possible AND are close to your Max Sales Price. Then fill out the following table: House 1House 2House 3Location (address) 2337 NW 157th Ter, Edmond, OK 73013 9017 NW 82nd St, Yukon, OK 7309912301 Kingsgate Dr, OKC, OK 73170List Price $179,900225,000204,900Year Built200820071997Style of home:TraditionalTraditionalTraditional# of bedrooms334# of full baths232# of baths000# of half baths000Above Grade Square FootageLower Level Finished Square FootageTotal Finished Square Footage160422002125Lot size (either SF or acres) 84001.2Garage (how many stalls?; attached?)Attached 2 carAttached 3 CarAttached 3 carFoundation CompositionSlabSlabSlabExterior compositionBrickBrickBrickDrivewayConcrete DriveConcreteConcrete# of fireplaces111HeatCentral GasForced AirCentralAir ConditionerCentral ElectricCentralCentralGross Taxes18,40724,29820781School districtEdmondYukonMooreOther selling points of interest: Fenced backyardFenced backyard Kitchen Fenced Backyard Back PorchMap the home using Google Maps and tell about positives/negatives of location (ex: on busy street, close to grocery store, close to public transportation, etc.) In a NeighborhoodIn a NeighborhoodIn a NeighborhoodAssessed value of home from Polk County Assessors page (or iowaassessors.com)$167,343Cant find191,405 Last date and price of home sale from Assessors page3/31/08 $320,000Aug 2010 227,5004/29/1998 147,500Find the home on  HYPERLINK "http://www.realtor.com" www.zillow.com to find out how many days it has been on the market2 days on Zillow41 days on Zillow1 day on Zillow Use  HYPERLINK "http://www.zillow.com" www.zillow.com to find a nearby home that has sold recently, is a comparable home, and tell me how MUCH it sold for164,900 (less sqft)224900225,000 Choose the house from above that meets most of your wishes and is close to your Max Price. Which one did you choose? Why? #2 because it fits all my needs and is a reasonable price. Step 6: Make an offer. This is the part where you decide how much you should offer. You would try to determine the fair market value of the home by looking at the comparable homes in the area, the assessed value, and the last sales price. Write your offer here: 195,500 Step 7: Get a home inspection Lets assume your offer was accepted. But before you buy a house, you should always pay to have it inspected. Go back to  HYPERLINK "http://www.hud.gov/buying" www.hud.gov/buying website. Under Step 7, Click on the link For Your Protection Get a Home Inspection. Why should you get a home inspection? To make sure the home does not have any major problems and it around the right price for the value Click on the 10 Questions to Ask a Home Inspector link. How much does a typical home inspection cost? 300-500 Remember, if the inspector finds a major problem, you have only lost that amount of money, and you can back out of your offer to buy the home. Step 8: Shop for Homeowners Insurance Go back to hud.gov/buying. Click on the link 12 Ways to Lower Your Homeowners Insurance. Explain what each of the items below mean: Shop Around: Take time and ask people you know, check consumer guides, etc to find the right agency Raise Your Deductible: The money you pay before a loss When Youre buying a home, consider the cost of homeowners insurance: Step 9: Sign papers Go back to the first webpage to find this info: This is called the __closing___ or settlement. This is when you actually become the owner of the house. Oh, and you have to sign a TON of paperwork! Home Ownership Now, you get to live in the house! That also means you have to make the monthly mortgage payments. Use the mortgage calculator online at  HYPERLINK "http://www.financialcalculators.com" www.financialcalculators.com to figure up your monthly payments. Assume your offer was accepted. Take your offer minus your down payment (on page 1) to figure out the loan amount. You are getting 5% interest on your loan. Assume you are paying it off over 30 years with yearly amortization. YES, Have the calculator estimate the taxes, insurance, and private mortgage insurance. WHAT IS YOUR TOTAL MONTHLY PAYMENT, including taxes, insurance, & PMI? $690.39 Now, take your Yearly Gross Income (given on card at beginning of this activitiy) and multiply it by .75 (this is assuming 25% is taken out for taxes). 82500 Now divide that number by 12 months to find out your monthly net income. 6875 What percentage is your payment of your monthly net income? (hint: take monthly payment divided by monthly net income) 10% Do you think this is a reasonable percentage? Explain. Yes     I live in OKC, OK My current career is Pharmacist My current salary is $110,000  Yearly Gross Income Set to 5% Set to 30 Leave all at 0 Dont change these. Assume you need to have 20% of that price to put downhow much do you need? 76,499.60 What is the total you can spend on a home? 382,498 Closing costs are fees you have to pay to get a loan. They are 2-5% of the price of the home. 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