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Home Tanning Beds: A Good Alternative For Safe And Quick Tan
By Javier Fuller
Tanning happens is a craze that is growing with every passing day. Every day some new tanning products are introduced in the market. A lot of money is being spent in research and development to come Read more...

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Tips For Selecting A Good Home Security System
By Milos Pesic
Selecting a good home security system can be tough, as you will have to be sure to select a good, reputable, customer friendly firm with excellent after sales service and reliable home security Read more...
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Home Based Network Marketing
By Rolf Rasmusson
Working at home in network marketingHome based network marketing has never been easier. With the wide array of electronic tools, coupled with the internet your task has been similfied Read more...
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Using a Little Common Sense When Comes The Time To Choose A Right Home Business
By Thierry Goho
While no one can deny that internet is the right place where one can succeed through relatively many good home internet business opportunities, it is not irrefutable to say the contrary. In fact, a Read more...

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First Home Buying Tips
By Danielle Stone
Purchasing your first can often be an intimidating process. You are about to make the biggest purchase of your life-to-date, and you want to make sure you are getting the most for your money. A lot of people make the real estate market more complicated than it is. With a little bit of research and an open mind it is possible to be a very successful first time buyer.

There are many factors that contribute to an enjoyable buying experience and the tips listed below will get you started on the right track:

1. The first step is doing the research. Sure, research is probably the least enjoyable part of the whole experience but it is going to set the foundation for being a successful buyer. Once you have chosen the general area you would like to purchase in start looking at what types of homes are available and more importantly prices in that area. This is different than actually searching for a home; instead you are just getting a feel for the market so that you have a better understanding when you do narrow your search.

2. Before beginning to search you must formulate a budget for your purchase. How can you tour houses if you don't know what you can afford? Obtaining a mortgage can be a

bit of a process in itself, so make sure to be as prepared as possible. Pay off all debts; debt negatively contributes to obtaining a loan and lowers the amount you can afford to pay toward your mortgage. Also, check out your credit file online for free. Scan it for errors or anything that could possibly lead to a denied loan application. Finally, make a rough estimate of how much you can afford to pay monthly toward a mortgage. The general rule of thumb for first time buyers is that debt load should not exceed 40% of monthly gross income.

3. Now the fun part: searching for your new home! This is such an exciting part of the process that some first time buyers fall in love with one of the first houses they tour. Make sure to keep an open mind and consider all of your options. Don't be afraid to look at a that might not be your dream on paper; a flyer rarely can do a quality justice. When looking at a house don't just look at the house; take a drive through the neighborhood and not the look of other's homes, consider owner's dues, look at the neighborhood public space if it is available. Make sure to ask lots of questions. You can even make a list of questions while you are looking at the online tour or flyer so that when you see the house in person you don't forget.

Being a first time buyer is very exciting, but it is not easy. There are a lot of details to be worked out. Careful planning and good organization will make buying your first much more pleasurable. By following the tips above you should be well on your way to finding your first home, and having fun while doing it!
Danielle Stone is the luxury real estate marketing director for El Dorado Hills real estate where you can find local school information, full access to the Sacramento California area MLS listings, and helpful information to have a successful real estate experience.


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