Tag Archives: Buying

Tips For Buying Your First Home ♡ Tips For Saving Money – NaturallyThriftyMom

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As many of you know, we recently purchased our first home. We are SO excited about it and this has been a dream of ours for a long time. 🙂 Today I’m sharing with you some tips that our family used in the process of saving money for our first home as well as simple steps you can do now to help you do the same!

New House Tour: https://youtu.be/Gy6j55WqPxY
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This video was sponsored by Credit Karma. Thank you so much for watching this video & supporting my family while allowing me to share what we love! As always please feel free to email me (naturallythriftymom@hotmail.com) with questions or for more specifics about anything i’ve mentioned. 🙂
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10 Tips for Home Buying!! I Bought a Home & You Can Too!

In today’s video, I’m going to give you 10 tips to make the home buying process easier! When I purchased my home, it was really easy for me because I prepped everything in advance. I educated myself and made a check list in so that I could stay on task and on time. If you follow these tips, your process will be a breeze too! If there’s anything that I left out or if anything is unclear, my apologies. Please leave comments below so that myself or the rest of the ML family can answer!

Unfurnished House Tour– https://youtu.be/dpPOfeUfoW4

Video Time Line:

1:53- SAVE SAVE SAVE
3:57- RESEARCH & EDUCATE YOURSELF
5:26- CHECK YOUR CREDIT (FIX & BUILD)
9:14- HOME LOANS
11:57- PRE QUALIFIED/APPROVED
13:56- BUDGET
16:52- FINDING A REALTOR
19:45- GATHER DOCUMENTS
26:10- PUTTING IN OFFER
30:25- CLOSING PROCESS

Site for home buying:

Realtor.com
Trulia.com
Redfin.com
Homefinder.com
Zillow.com

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BUYING A HOUSE AT 21 | HOW WE BOUGHT OUR FIRST HOME ON A SINGLE INCOME!!

Buying A House At 21 | How We Bought Our Home On A Single Income! Budgeting to buy a house can be difficult so here are some tips I learned from our experience in buying a home on a single income and how you can do the same!

Do you have any more tips for buying a home on a single income or budgeting for a house deposit? Feel free to comment and discuss down below! These days it is NOT easy to get a mortgage, especially when you are a young family or couple on a single income. I hope that the tips and tricks we used along the way help you to buy your first home!

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Hi my name is Ash Jackson and on this channel I plan to post all kids of how to videos such as ‘how to lose baby weight fast’, ‘how to organise your home’, ‘how to create DIY decor and furniture on a budget’, ‘how to eat healthy on a budget’ ‘how to be a stylish mum on a budget’, ‘how to meal plan for your family’, how to create healthy family meal plans’, ‘how to workout at home with kids’ and much more. I also do Australian Family Daily Vlogs with my Aussie Vlogging Family on our separate Young Family Vlog Channel.

When buying a home, there are a multitude of tasks, documents and delivery deadlines involved and that is where a real estate professional’s knowledge factors in. I will coordinate all of them and I will maintain constant communication with everyone involved in the transaction. Whatever problems or issues arise, rest assured I will there to help and assist.

Allow me, Tina Israelson, to represent your best interests and help you find your next home!
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The Smart Consumer’s Guide to Buying a Used Car

The new millennium has thus far been a decade of rampant consumer fraud. Shrewd companies and salespersons cook up new way to rip off the public on a daily, if not an hourly basis. Concealed collision damage, rolled-back odometers, “laundered lemon” cars, where the manufacturer has repurchased the vehicle under lemon laws and then neglected to disclose the car’s history to the next buyer, used cars sold as new – these are just a few areas where dealerships and manufacturers are frequently committing fraud against consumers. My firm, by the way, specializes in representing consumers who have purchased “lemon” vehicle or who have been the victims of car dealer fraud.

This short piece is designed to assist you in buying a used car, providing you with the proper tools to protect yourself from being ripped off on your next purchase. PLEASE PRINT THIS ARTICLE OFF AND CARRY IT WITH YOU WHEN YOU GO OUT TO PURCHASE YOUR NEXT USED CAR. SHOW IT TO THE USED CAR SALES-PERSON IF HE OR SHE BALKS AT PROVIDING YOU WITH ANY OF THE REQUIRED INFORMATION. I just purchased a used car with excellent results, and I am not an expert mechanic; rather, I’m just a shrewd consumer, which is an outgrowth of the fact that I’m a shrewd and effective consumer lawyer. The following tips, if followed, are much more likely to result in a satisfactory used car purchase.

BRENNAN’S EIGHT-POINT CHECKLIST OF REQUIREMENTS IN BUYING A USED CAR AND AVOIDING BECOMING THE VICTIM OF A FRAUD

1) Always insist on a warranty. “As-is” can easily be translated into legal jargon as, “You’re stuck, sucker.” Even a 30- or 10-day warranty is better than just “as-is”.

2) Insist that the dealer print on the warranty, in bold letters, “THIS CAR HAS BEEN INSPECTED FOR COLLISION DAMAGE AND COLLISION REPAIRS AND HAS BEEN FOUND TO BE FREE OF COLLISION DAMAGE OR REPAIRS.” This then becomes a part of the warranty.

3) Insist that the dealer prints on the warranty, in bold letters, “THIS CAR HAS NOT BEEN RETURNED TO A DEALER OR MANUFACTURER BECAUSE OF LEMON LAW DEFECTS OR COMPLAINTS.” If the dealer can run a warranty service print-out, insist that they do so and attach it to the warranty itself, with an additional message printed on the warranty: “THE ATTACHED WARRANTY SERVICE HISTORY REPRESENTS THE COMPLETE WARRANTY HISTORY FOR THIS CAR, ACCORDING TO ALL MANUFACTURER’S RECORDS.”

4) You will receive an odometer disclosure statement as part of the vehicle purchase. If there is any inscription on it such as “TMU” (stands for “true miles unknown”), watch out: this car’s odometer has probably been tampered with.

5) Insist upon a test drive of at least 10 miles. Insist on driving the car in varying road conditions: city streets, highway, straight and curvy roads both. Really shrewd consumers arrange to have a friendly professional mechanic, not affiliated with the selling dealership, to accompany them for the ride. Paying a friendly mechanic $ 50.00 to do the test-drive can spare you a lot of heartache later on.

6) Before you buy, have the car inspected by a non-dealer-affiliated professional mechanic. The friendly professional mechanic who accompanied you on the test drive should do just fine for this. Have the car thoroughly looked over, as you will probably be depending on the vehicle, especially for its safety and dependability, for the next several years. Later on, anything beyond routine maintenance expenses will prove galling, so know what you are getting into up front.

7) Do research. You may like the looks of the car, but it pays to check out the vehicle’s service record with Consumer Reports or on the Internet. See the National Highway Traffic Safety Administration site (search under “NHTSA”) for warranty, defect and repair information about any car you are considering buying.

8) Although they are controversial, I recommend buying an extended warranty, particularly if you intend on keeping the vehicle for a long time.

That’s the checklist, which should provide joy rather than grief in most cases. It’s your insurance policy, so print it out and carry it with you when you next make a used-car purchase. Check off each number as you complete that step of the list; then you’ll stand a much better chance of not becoming the victim of a fraud in a used car sale.

I will now explain some issues concerning the documentation normally accompanying a used-car sales transaction, including points to keep your eyes peeled for and some definite red flags that signal you not to buy that car.

All dealerships try to put off the documentation step for the end. Whenever I buy a used car, I insist that the documentation step be done first. In short, after I’ve become interested in a car, I want to see the documentation then and there, before I begin discussing sales terms. All dealers have “dealer jackets” containing all documents for each separate car on the lot. Review these papers first, and only then go for a test-drive and mechanical inspection.

At the time of the sales close, you can expect that the salesperson or a clerk will present you with a stack of fine-print documents which would take a week to read. No one – not even an experienced lawyer – can read all of those documents in a short time. However, you must at least glance at these documents, and keep an eye out for the following pertinent information:

The “Odometer Disclosure Statement”

This is a document required by federal law to accompany all sales of used cars. Read it, and make sure the dealership signs it, for by doing so the dealership is certifying that the actual miles on the car are accurately reflected on the odometer. If the “Odometer Disclosure Statement” has an entry such as “TMU” (which stands for “True Miles Unknown”), or “Actual Miles Unknown”, or any such entry, don’t buy the car! In all likelihood, the vehicle has more miles on it than what is actually showing on the odometer.

The “BUYER’S GUIDE”

The “Buyer’s Guide” is the window sticker on a used car which shows whether the car comes with a warranty. My firm suggestion to all used car buyers: only buy cars with warranties. Do not buy cars “as-is.” The salesperson will frequently tell you that some little old lady only drove the car to and from church, and that dealership knows the service history of the car because that’s where it was serviced, etc., etc.–it’s all a pile of prairie pickles. If you buy a car “as-is”, expect to be ripped off. Expect problems with the car. When a dealership sells a car “as-is, it is telling you clearly that it wants no further responsibility for the vehicle as soon as you drive it off the lot. And if the dealership doesn’t want any responsibility for the car, what does that tell you about the vehicle?

The moral of the story: buy cars with warranties, even if the warranty is for only 30 days. Warranties give you rights in case the car was sold to you fraudulently or it turns out to be a lemon. When you buy a car “as-is”, that may be the end of the line for you as far as pursuing any fraud or lemon-law claim.

The ‘Warranty History”

You have to request this, and you should request it. Many dealerships have access to the warranty history of the cars they sell, and particularly in the case of new car dealerships for the same make of vehicles. For example, if you are buying a used Chevy from an authorized Chevy dealership which services and sells new Chevys, then that dealership has computerized access to the warranty history of the car. This means that you can learn of any repairs done to that vehicle while it was under its original warranty. You can quickly learn if the car was a lemon by its warranty history.

If you don’t understand the “warranty history”, have some knowledgeable explain it to you. Make sure you understand it before you buy the car.

And, insist that the “warranty history” be attached to the warranty itself, with a representation that it represents the complete warranty history for that car. This then gives the consumer additional legal rights if it turns out the vehicle was sold fraudulently or it is a lemon.

“DISCLOSURE NOTICES”

If you are given anything called a “Disclosure Notice”, or the like, BEWARE!!! Read over all the documents to ensure that you are not being sold a recycled, or “laundered”, lemon. Anything called a “Disclosure Notice” which discusses the mechanical condition of the car is a red flag to back out of the deal and leave the dealership. You do not want to buy a “laundered lemon” – it will likely cost you more trouble than you ever imagined possible. In short, don’t buy a car if there’s any indication that it’s a “laundered lemon.”

The above, then, are the basic documents you must keep your eyes peeled for. In fact, for your own protection you must demand to see them. The dealership may not have the “warranty history”, but it should have all the others.

Robert F. Brennan, Esq. is a principal with Brennan, Wiener & Associates, an AV-rated law firm in La Crescenta, CA.  His firm specializes in consumer protection litigation, including lemon law, car dealer fraud and consumer class actions.  He can be reached through his website: http://brennanlaw.com

Related Consumer Fraud Articles

Home Buying in 12 Tips

Tips buy your first residence in 12 essential steps. This obvious, fast-paced video clip outlines how to get the best house for lowest price.

This movie summarizes the steps to buying your first home. In the foreseeable future we are incorporating movies offering additional information of each and every action:

Step one: Credit History and Credit History

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Real Estate Professionals:
Embed this Residence Buyer Channel video on the internet site.

Renting versus Buying a home | Housing | Finance & Capital Markets | Khan Academy

Created by Sal Khan.

Watch the next lesson:
https://www.khanacademy.org/economics-finance-domain/core-finance/housing/renting-v-buying/v/renting-vs-buying-a-home?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets

Missed the previous lesson? Watch here: https://www.khanacademy.org/economics-finance-domain/core-finance/housing/home-equity-tutorial/v/home-equity-loans?utm_source=YT&utm_medium=Desc&utm_campaign=financeandcapitalmarkets

Finance and capital markets on Khan Academy: Is it always better to buy than rent? What if home prices go up dramatically and rents don’t? How can we compare home prices to rents to figure out what to do. This older tutorial (low-res, bad handwriting) walks us through this. It is about housing but similar thinking can be applied to any rent-vs-buy decision (spoiler alert, Sal did eventually buy a home).

About Khan Academy: Khan Academy offers practice exercises, instructional videos, and a personalized learning dashboard that empower learners to study at their own pace in and outside of the classroom. We tackle math, science, computer programming, history, art history, economics, and more. Our math missions guide learners from kindergarten to calculus using state-of-the-art, adaptive technology that identifies strengths and learning gaps. We’ve also partnered with institutions like NASA, The Museum of Modern Art, The California Academy of Sciences, and MIT to offer specialized content.

For free. For everyone. Forever. #YouCanLearnAnything

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Buying a house? Learn how to pick the best home loan rates first

The process of home buying can be tedious to say the least. Combing through the vast information available can be time consuming. Keeping in mind also the consequences of not being thorough in the due process also, one cannot afford to take shortcuts. The results can me calamitous.

Different individuals rate mortgage products in the market separately, one man’s meat being the other’s poison with regards to their preference. To determine the home loan which suits one’s needs, a combination of home loan features need to be considered such as:

Interest Rates, Are they fixed or Variable?

Purpose of the Mortgage

Fee structure

Total income and credit limit etc.

With all this to keep in mind, it might seem that a tedious task lies ahead but, worry not as there exists many mortgage providers to choose from. With this increased competition comes great deals for the customer that adds bigger smiles to their faces. This scenario is seen worldwide including here in Australia. We just have to figure out, what the best deals are.

Finding the best home loans in Australia.

As listed above, the check list of factors will be crucial. And the process of finding the best house purchase deals will involve comparing what’s on offer amongst different mortgage providers. These we shall then compare with our preferences and abilities to finance the mortgage. For instance, individuals seeking a mortgage product for investment will have a divergent opinion with a home owner on what product is best. As preferences will vary between individuals it is most important that you look for lenders that offer a range of specialised as well as prime home loan products that suit individual needs.

Find the best interest rates as well.

This is the first thing all home owners seek to find out and with good reason too. The reason being as it will determine the overall cost of obtaining financing to acquire your house. However even as you consider this a more critical look is needed to find out other related aspects such as how the loan will be amortised. Generally the shorter the amortisation period, the more money saved on interest. Also, a low interest rate does not necessarily mean the loan will be cheap. More often than not, you will find more additional charges with products with lower interest rates. The rate can also be fixed of varied. Finding out the pros and cons of these will help in your quest to find the best product.

Compare and Compare again.

This will quite essentially guarantee you the best deals when you decide to buy a house. So take your time and compare home loan rates offered by different providers. What are the mortgage terms of one mortgage provider? Are they better or worse compared to the next provider? Find out if it’s an open mortgage where you can increase the amount paid in premiums or its closed and you can only pay a fixed premium through the term of the mortgage. Also, compare the customer service. Having a provider that is knowledgeable, prompt and approachable will be highly impact-full in your quest. It will also make the process stress free and maybe even enjoyable.

All the best though, in your research and eventual home buying expedition.

loantech Australia Apply Online or Compare Home Loan Rates with our mobile lenders.

TOP 7 Steps – PRE-APPROVED CAR LOANS! – “13 Car Buying Mistakes” – Kevin Hunter – Longview WA

TOP 7 Steps - PRE-APPROVED CAR LOANS! -

http://www.mintvalleyfcu.org/ Interview with loan officer Amanda Owen from Mint Valley Credit Union and TBFS Host Kevin Hunter, Author of “13 Car Buying Mistakes.” Top 7 things to know on how to get pre-approved on a car loan before car shopping. Whether you have good credit or bad credit, always start with your own bank or credit union first!
Amanda Owen from Mint Valley Credit Union, located in Longview Washington discusses the top seven (7) considerations you will need to make when you’re car shopping. They include the following:
1. Know your Budget
2. Know your Credit Score – How to get a FREE CREDIT REPORT!
3. Documents needed: Drivers License, Proof of Insurance, Pay Stubs, Debt Obligations, and References.
4. Co-Signer: Identify a good co-signer of your credit has been hurt lately, or if you have bad credit. This will save you money on interest rates, and make it possible to get a car loan.
5. GET PRE-APPROVED! This move can save you hundreds and thousands of dollars because the office a car dealer makes most of their money in happens to be with their loan officer!
6. Know WHAT kind of car or truck you want, and know what the approximate market value is. Car buyers who are informed make smarter decisions and are much better negotiators.
7. Know your Trade-in value. You can call dealers to get an approximate value on your trade before you ever set foot on a car lot.

Amanda Owen from Mint Valley Credit Union was our special guest for this interview. A special thanks to Amanda and to Mint Valley Credit Union for allowing Amanda to participate and share this important information with car buyers! Many car shoppers have no idea where to turn when it’s time to buy a car. They worry about credit scores, or wonder if they have good credit or bad credit. How do you know? This simple advice video shares with you the steps you’ll take to get a pre-approval on a car loan, allowing you to car shop with confidence.

Why is a pre-approval so important? It’s simple: If you are no longer worried about what type of financing you can get approved for, you can put your attention to negotiating the best possible car deal for you. Once you have a price for your new car and your trade-in established, you don’t have to worry about the unnecessary hassle the dealer will put you through in the finance office. Did you know that approximately 50% of all dealer profits are made after the sale of the car? That’s right! It happens right in the finance office, and unprepared car buyers get taken advantage of while signing a car contract.

Concerned about the future of Cowlitz County? Contact www.citizencommissioner.com and share your ideas today!
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Buying a car: finance deals explained

Used car expert Jason Dawe explains the different ways to pay for a car. Find your next car at http://www.driving.co.uk

Car Finance Made Simple

If you are after a new car, but don’t necessarily have the funds to cover it, you’re going to need to secure some form of car finance – here’s our quick guide to what financial help is available to you.

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