home buyer assistance: 03/2008

3/11/2008

Tax information for first homeowner

Tax information for first homeowner

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Home Buyer's and Seller's Guide to Radon

OVERVIEW
This Guideanswers important questions about radon and lung cancer risk. It also
answers questions about testing and fixing for anyone buying or selling a home.

Radon Is a Cancer-Causing, Radioactive Gas

You cannot see, smell, or taste radon. But it still may be a
problem in your home. When you breathe air containing radon,
you increase your risk of getting lung cancer. In fact, the Surgeon
General of the United States has warned that radon is the second
leading cause of lung cancer in the United States today. If you
smoke and your home has high radon levels, your risk of lung
cancer is especially high.

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How to Make the Most of Your Home Buying Experience

The Division of Real Estate & Professional Licensing is a state agency within the Ohio Department of Commerce. The Division licenses and regulates real estate brokers and sales associates who arrange for the sale or lease of real estate, as well as real estate appraisers. Regulation of real estate brokers, sales associates
and appraisers is intended to ensure that they conduct their business in a legal and ethical manner. The laws dealing with real estate can be complicated. Frequently, problems arise simply because the parties involved do not understand the importance of each step of a transaction. The Ohio Division of Real Estate & Professional Licensing has assembled this booklet to assist you with the home buying process. In
addition, you might want to utilize the services of professionals in the real estate industry. Professionals such as real estate agents, real estate appraisers, real estate attorneys and qualified inspectors can assist you with and advise you on the details of your purchase.

The Division is pleased to provide the information in this booklet as a service to the general public. In addition, the Division offers an online look-up service at www.com.state.oh.us, which allows you to check the status of real estate agents you may be considering. This guide is intended as general information only. The
Ohio Division of Real Estate & Professional Licensing does not and can not warranty or guarantee the accuracy or availability of the content of this booklet. References to third parties are provided exclusively for conve-nience and are not and should not be interpreted as an endorsement, sponsorship or recommendation of the
third party. You should consult your personal attorney, real estate or tax professional for details and advice on your specific situation. Should you need to verify the licensure of a real estate salesperson or brokerage, or need information about filing a formal complaint with the Division, you may contact the Division at 614-466-4100, e-mail at REPLD@com.state.oh.us or visit the Web site at www.com.state.oh.us.

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Home Decoration

3/07/2008

The Complete Guide to Flipping Properties

Title: The Complete Guide to Flipping Properties
Format: PDF
Pages: 238

Excerpt from Introduction: Buying and selling real estate can be one of the most profitable and lucrative investments activities an individual can participate in. There are many approaches to investing in real estate, most of which are centered around various time horizons. On one end of the investment spectrum is the buy-and-hold strategy, where an investor might purchase a property and hold it for many years. On the other end is the buy-and-sell strategy, where an investor might hold the property for only a few months, weeks, or even days. It is the latter of these two strategies that I focus on in this book.

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J.K. Lasser's Homeowner's Tax Breaks

Title: J.K. Lasser's Homeowner's Tax Breaks
Format: PDF
Pages: 257

Excerpt from Introduction: This is a book of revelations.
Tax revelations. It reveals a multitude of little-known tax-saving ideas for homeowners that can put substantial dollars in their pockets. In fact, it is packed with the largest collection in print of tax-planning ideas for the homeowner. Beyond the garden variety deductions for mortgage interest and real estate taxes, homeowners have a cornucopia of tax opportunities. These include such little-known breaks as getting tax-free rent from a short-term home rental, using the generous $250,000/$500,000 home sale exclusion to shelter gain from the sale of other real estate, and pocketing tax-free mortgage proceeds when
trading up to a more expensive home.

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Home Closing Checklist

Title: Home Closing Checklist
Format: PDF
Pages: 223

Excerpt from Introduction:Everyone knows when a real estate deal closes: It’s when
you get the keys to the house and the sellers get their
money. But when does the closing process actually begin?
In truth, it starts when you make an offer to purchase.
How that offer is written up determines what steps you
have to take in order to eventually receive possession of
your new home.

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The Complete Book of Home Inspection 3rd Edition

Title: The Complete Book of Home Inspection 3rd Edition
Format: PDF
Pages: 306

Excerpt from Introduction: As of this writing there are thousands of
home inspectors servicing large and small communities
throughout the United States and
Canada. A combined study by ASHI and the
National Association of Realtors estimated that
in the year 2000, 77 percent of all homes sold in
the United States had an inspection.
What does the above have to do with you?
Well, over the years I’ve had many clients tell
me that they know so little about a house that
they don’t even know what questions to ask
and exactly what is it that I do. If you plan on
hiring a home inspector for your existing or
future home this book will explain what an
inspection covers and what to expect from
your inspector. Even if you plan on hiring an
inspector, you might want to consider doing a
preliminary inspection yourself. This book is
written in sufficient detail that you can do a
fairly extensive preliminary inspection yourself.

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Buying a Home by Ceridian Corp

Title: Buying a Home by Ceridian Corp
Format: PDF
Pages: 66

Excerpt from Introduction: You probably have a dizzying number of questions on your mind. Am I
really financially ready for this step? How much do I need for a down payment?
What kind of mortgage should I look for? What happens at a closing?
If this is the first time you’ve entered the real estate market—or even if you’ve
bought a home before—you may feel intimidated by the amount of work
a buyer needs to do. You may worry about finding the right home at a price you
can afford, or about finding the professionals to work with you—your real
estate agent, lawyer, inspector, and financing agent. And you may feel confused
about what steps to take and in what order.
This booklet was designed to help take the stress out of buying a home. It will
take you step-by-step through the home-buying process. From making
the decision to buy, to understanding mortgages, making a bid, negotiating a
purchase and sale agreement, and closing the transaction—when the
home finally and officially becomes your own—it will help you navigate the
process with understanding and confidence.

How to increase the value of your home.

Title: McGraw-Hill How to Increase the Value of Your Home
Format: PDF
Pages: 209

Excerpt from Introduction: Home improvement is our new national pastime. My coauthor
Vicki and I can say that unequivocally because of one stunning
fact: Consumers spent a record $163 billion on home improvements
in 2002, and that was easily surpassed in 2003, as they sunk more than
$200 billion into their homes.
This trend has spawned all kinds of “how to” books. How to build
a deck, how to fix your kitchen, how to wire a house, and how to fix
your plumbing. But our book is a little different. It’s a “how to” book
that shows you how to tackle home improvements so that you actually
increase the value of your home.
This book will help you decide where to start. Should you begin in
the kitchen with the dark brown cabinets, the dark brown burlap on the
walls, and the ceiling fixture with two 15-watt light bulbs? Or perhaps in
the formal dining room with the black spiral staircase? Or the front
hallway with the closet painted like a circus tent with alternating chartreuse
and white stripes?
Don’t laugh. I was faced with remodeling all three. The first two
have come and gone, but I just won’t let my wife Janet paint that closet.
That’s because when we get compliments about our house, I want
people to know that it didn’t always look the way it does today.Having
a book like this when we first started our home remodeling odyssey
would have saved us from some early mistakes.

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Metropolitan Home Magazine November 2007 PDF eBook-OXFORD

The Complete Guide to Real Estate Finance for Investment Properties

Title:The Complete Guide to Real Estate Finance for Investment Properties
Format: PDF
Pages: 264

Excerpt from Introduction: As investors continue to migrate from the stock market to the real
estate market, the need for sound financial analysis of incomeproducing
properties is greater than ever. Just as buying high-flying
stocks with no regard to intrinsic values resulted in hundreds of
thousands of investors losing their life savings, so will buying real
estate with reckless disregard to property values result in a similar
outcome. While an abundance of books have been written on how to
buy and sell houses, the market is virtually devoid of any works that
specifically address the topic of the principles of valuation as they
apply to real estate. Notable exceptions include more expensive
titles such as Real Estate Finance and Investments by Brueggeman
and Fisher, with a list price of $125, and Commercial Real Estate
Analysis and Investments by Geltner, boasting a list price of $114.
The Complete Guide to Real Estate Finance for Investment Properties:
How to Analyze Any Single Family, Multifamily, or Commercial
Property focuses on the concepts of financial analysis as they
pertain to real estate and is intended to help fill the void that currently
exists regarding this subject. This represents a marked contrast from
the works previously referred to in three primary ways. First of all,
the other works are much more expensive. Second, they have been
written to appeal to a different audience in that they are written in a
textbook format with both the student and the professional in mind.
Finally, the other works deal with advanced theoretical principles of
finance, which are of little value to the investor who most likely has
no background in finance.
The Complete Guide to Real Estate Finance for Investment
Properties, on the other hand, is designed to appeal to those individuals
who are actively investing in income-producing properties,
as well as to those who desire to invest in them. Furthermore, those
same individuals who are now investors will at some point have a
need to divest themselves of their holdings. Whether an investor is
buying or selling, the basis for all decisions must be founded on the
fundamental principles of finance as they apply to real estate valuations.
The failure to understand these key principles will almost
certainly result in the failure of the individual investor. At a minimum,
it will place him or her at a competitive disadvantage among
those who do understand them. Recall the myriad of investors who
bought stocks for no other reason than that they received a so-called
hot tip from a friend or coworker—and who later collectively lost
billions of dollars. A similar outcome is almost certain for those
individuals investing in real estate who fail to exercise sound valuation
principles and act on nothing more than the advice of someone
who has no business giving advice, such as a broker with a
supposedly hot tip.

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