Download Buying and Selling a Home by The Editors of Kiplinger's Personal Finance Magazine PDF

By The Editors of Kiplinger's Personal Finance Magazine

Thought of a vintage in its box, this finished booklet publications dealers during the array of financing offerings, together with fixed-rate and adjustable mortgages, FHA or VA loans and artistic financing preparations, and exhibits find out how to enhance estate, monitor dealers and set the perfect cost. Readers also will the way to benefit from domestic fairness to alleviate monetary matters from home improvement expenditures to school university.

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Extra resources for Buying and Selling a Home

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If you are planning to buy a new car, boat or expensive furniture (paying either by cash or credit), postpone the purchases until after you’ve bought your home. On the other hand, a good credit record requires that you have used credit in the past. Some cash-only buyers find themselves hampered by their own prudence when it comes time to buy a home. If you’ve A DO-IT-YOURSELF CREDIT CHECK Federal law gives you the right to know what’s in your credit files. Before you apply for a mortgage loan, find out whether anything in your record might present a problem.

Home-Equity Debt In addition to deducting interest on acquisition debt, homeowners can deduct interest on up to $100,000 of home-equity debt. The interest on such borrowing is fully deductible—whether you tap your equity via refinancing, a second mortgage or a home-equity line of credit—as long as the loan is secured by your principal residence or second home. The interest is deductible almost without regard to how the borrowed money is spent, but there are a few exceptions. If the money is used to invest in tax-exempt bonds or single-premium life insurance, the interest can’t be deducted, no matter what kind of loan is involved.

Department of Agriculture’s Rural Housing Service (RHS) also has a no-money-down program for moderate-income people seeking to buy in rural areas. , Room 5037, South Building, 14th St. , Washington, DC 20250; 202-720-4323). Tell the RHS where you want to buy a home, and it will give you names of prospective lenders. html. which constitutes most of your monthly mortgage expense early in the term of the loan? Study the next chapter carefully to get a full appreciation of the range and variety of tax breaks you will get from the purchase and ownership of your new home.

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