| Because of the changing real estate market, if you haven't bought a home in the past few years, you are technically a first home buyer. You will be informed of the 10 important things to know before you buy: 1) NYS agency laws and how they protect you; 2) What to sign and not to sign when working with a realtor; 3) Your finances and your credit, different types of mortgages, documents needed when applying; 4) What to focus on in the purchase of your home-schools, resale values, location, biggest bang for your buck, bling or real value for resale and home search criteria; 5) understanding the real estate market, trends and what the future may hold; 6) how much to offer on a home, understanding down payment and how they affect your offer; 7) choosing a lawyer, property condition disclosures; 8) what to do and not to do once you've made an offer; 9) know the difference between short sales and foreclosures and if they are for you; 10) home inspection, appraisals, walk-through and closing. 1 session
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