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Buy your first house with your eyes wide open and outsmart the world's most common financial trap! From BiggerPockets CEO Scott Trench and podcast co-host Mindy Jensen, learn how your home purchase can destroy your wealth... or generate even more. Buying a house is more than just trading money for a deed. Between choosing your real estate agent and lender, picking the right neighborhood, and choosing the house itself, you're suddenly making more decisions than you ever thought possible. All this while trying to keep a level head for what may be the biggest purchase of your life! Plus, no matter how desperately you want to escape the renter's cycle, buying a house isn't always a good investment. Your home can destroy your wealth and freedom or generate the same—and this book will show you how to make a decision that gives you the most financial flexibility possible. Scott Trench and Mindy Jensen of the BiggerPockets Money Podcast have been buying and selling houses for a collective thirty years. In First-Time Home Buyer, they'll give you a comprehensive overview of the home-buying process so you can consider all of your options and avoid pitfalls while jumping into the big, bad role of homeowner. In this book, you'll learn: How much house can you actually afford (AKA, not the breaking point of your budget) When to buy a house, renting vs. buying, and everything else you should know about the housing market How to get your financial situation in order while preparing for your big purchase Steps you can take (and early decisions you can make) to turn your first home into a future cash-flowing investment Fixer-upper houses and home renovation—are they really worth it? What to look for when buying a house, and what to absolutely avoid How to choose a real estate agent and a lender that have your best interests in mind All the steps to buying a house—from loan pre-approval, to submitting offers, to home inspections, to the closing process, and everything in between!

A fascinating analysis of the critical role commercial property investment played in the economic boom and bust during the global financial crisis The unprecedented financial boom stretching from the mid-1990s through 2008 ultimately led to the deepest recession in modern times and one of the slowest economic recoveries in history. It also resulted in the emergence of the draconian austerity policies that have swept across Europe in recent years. Property Boom and Banking Bust offers an expert insight into the complex property market dynamics that contributed to the Great Financial Crisis of 2008 and its devastating economic consequences. It is the first book to focus on a woefully underreported dimension of the crisis, namely, the significant role that lending on commercial property development played in the crisis. Among other key topics, the authors explore the philosophical and behavioral factors that propelled irresponsible bank lending and the property boom; how it led to the downfall of the banks; the impact of the credit crunch on the real estate industry generally in the wake of the financial crisis; the catastrophic effects the property bust had on property investors, both large and small; and how the financial institutions have sought to recover in the wake of the financial crisis. Provides valuable insights into what happened in previous booms and busts, particularly in the 1970s and 1980s, and how they compare with the most recent one Offers an expert assessment of the consequences of the global financial crisis for the banking system and the commercial property industry Examines strategies banks have used to recover their positions and manage the overhang of indebtedness and bad property assets Addresses strategies the real estate industry have used to recover from the collapse in property values Written in an accessible style, and featuring numerous insider case accounts from property bankers, Property Boom and Banking Bust disentangles the complex, tightly-woven factors that led to the Great Financial Crisis of 2008, while offering powerful lessons for property industry professionals on how to avoid having history repeat itself.

Die beste Strategie fürs Kaufen und Bauen Ein Ratgeber für alle Immobilieninteressierten – für diejenigen, die noch keine konkreten Vorstellungen haben, welche Immobilie sie sich überhaupt leisten können, und auch für diejenigen, die konkrete Fragen haben, zur Erstinvestition, zur Anschlussfinanzierung oder zu steuerlichen Aspekten. • Immobilienerwerb • Die passende Immobilie finden • Kassensturz • Finanzierungskosten • Finanzierungsformen • Anschlussfinanzierung • Staatliche Förderung Michael Hölting, Mitarbeiter des ZDF, Redaktion Frontal 21

Les Éditions Anthemis vous proposent un outil complet à propos du crédit hypothécaire et de sa pratiqueLe crédit hypothécaire est une opération importante de la vie économique et financière de l'emprunteur. Il constitue pourtant, dans la pratique notariale, un acte souvent banalisé, dont les différents intervenants ne mesurent que trop rarement la portée réelle. Cet ouvrage balaie la matière de manière pratique, au travers de six thèmes qui posent aujourd'hui des difficultés.Le champ d'application de la loi du 4 août 1992 et la délicate articulation entre les régimes légaux impératifs sont étudiés ; plusieurs questions sont abordées dont celle des crédits mixtes ou des crédits dont l'emprunteur n'est pas détenteur des droits réels affectés en hypothèque. Le régime des sûretés est également approfondi, dont ceux du cautionnement à titre gratuit et de la solidarité-sûreté. Un sujet de pratique notariale pure est ensuite consacré au prêt hypothécaire entre particuliers et à la plus-value que le notariat peut apporter à cet égard.Sont également examinés les incidents liés à l'exécution du contrat de crédit, dont la question des indemnités exigées par l'organisme bancaire en cas de remboursement anticipé du crédit. Un volet s'attache enfin à mesurer la responsabilité du dispensateur de crédit en cas d'abus de sûretés ou de simulation et les solutions pratiques que le notariat peut apporter lorsqu'il est exigé des parents, qui se portent garants, d'acquérir une part de l'immeuble de leur enfant.L'accent des contributions est orienté vers les difficultés rencontrées par la pratique et les solutions pragmatiques qui peuvent y être apportées.Cet ouvrage est destiné avant tout au notariat, mais intéresse également les banquiers, les juristes d'entreprises, les avocats, les magistrats, les comptables et conseils fiscaux, financiers ou patrimoniaux.Un ouvrage écrit par des professionnels, pour des professionnelsA PROPOS DES ÉDITIONS ANTHEMISAnthemis est une maison d'édition spécialisée dans l'édition professionnelle, soucieuse de mettre à la disposition du plus grand nombre de praticiens des ouvrages de qualité. Elle s'adresse à tous les professionnels qui ont besoin d'une information fiable en droit, en économie ou en médecine.

In just over three years, real estate giant Tishman Speyer and its partner, BlackRock, lost billions of investors'dollars on a single deal. The New York Times reporter who first broke the story of the sale of Stuyvesant Town-Peter Cooper Village takes readers inside the most spectacular failure in real estate history, using this single deal as a lens to see how and why the real estate crisis happened.How did the smartest people in real estate lose billions in one single deal? How did the Church of England, the California public employees'pension fund, and the Singapore government lose more than one billion dollars combined investing in a middle-class housing complex in New York City? How did MetLife make three billion dollars on the deal without any repercussions from a historically racist policy of housing segregation? And how did nine residents of a sleepy enclave in New York City win one of the most unlikely lawsuits in the history of real estate law?Not only does Other People's Money answer those questions, it also explains the current recession in stark, clear detail while providing riveting first-person accounts of the titanic failure of the real estate industry to see that a recession was coming. It's the definitive book on real estate during the bubble years—and what happened when that enormous bubble exploded.

An Introduction to Real Estate Finance serves as the core of knowledge for a single-semester first course in real estate finance. Unlike other real estate finance textbooks, with their encyclopedic but often stale details, it combines a short traditional text with a living website. The book gives students and professors highly applied information, and its regularly updated online features makes it especially useful for this practitioner-oriented audience. It covers fundamental topics such as accounting and tax, mortgages, capital markets, REITs and more. It also addresses the 2008 financial crisis and its impact on the real estate profession. This text is a valuable companion for students of real estate finance as well as financial analysts, portfolio managers, investors and other professionals in the field. Offers a concise, efficient,'finance-centric'alternative to traditional real estate finance texts Website gives readers the tools to find current information about their own areas of specialization—a unique approach not found in other real estate finance textbooks Gives students and professors the material to examine every subject in broad and highly detailed terms

Fully revised and expanded, the classic guide to negotiating every aspect of any real estate transaction Real estate guru Bob Irwin breaks down all the common negotiating'tips and traps'when it comes to buying and selling in real estate. Beginning with the golden rule of real estate--everything is negotiable--the all-new third edition of this easy-to-read guide helps homeowners and investors like you maximize profits by avoiding the common pitfalls standing in the way of getting the deal you want. Fully updated for real estate investors in any economic climate, this comprehensive guide delivers useful tools for every step along the way along with rock-solid advice for sellers and buyers on: Getting a better price in a down market Negotiating a quick sale Dealing with reluctant lenders Keeping the upper hand when buying a foreclosed property Talking a seller into financing your purchase And more Robert Irwin is a real estate broker, investor, and author. He is a regular guest on many radio and television programs as well as the author of more than 35 books on all aspects of real estate, including the McGraw-Hill bestselling Tips & Traps series, which has sold well over a million copies. Irwin lives in Westlake Village, California.

An all-time bestseller, Dolf de Roos?s classic Real Estate Riches shows you how to find great deals and make great profits in the real estate market. You?ll learn why real estate is such a reliable moneymaker and how to achieve the biggest return possible on your investment. Full of time-honored wisdom, proven tactics, and quick-and-easy tips, this book shows you how to find the best properties with the most potential, analyze deals, negotiate and submit offers, effectively manage properties, and dramatically increase the value of your real estate without spending much money. If you want to be your own boss and quit the nine-to-five life, Real Estate Riches shows you how.

The analysis of the mortgage market is a specialised field but examines a financial market with extremely wide-ranging implications; it affects the stability of the whole economy. The key thing about this analysis is the increasing importance of the secondary mortgage market – which in the US is now several times larger than the market for government debt. The UK secondary mortgage market is also growing and the book will provide a timely resource to those active and interested in this important financial market. The 1990s saw an enormous growth of mortgage market analysis as an academic subject and there is a vast literature scattered among the key real estate journals. There is now a great need to not only bring this very complex subject area together, but also to abstract the main issues and to render them intelligible. The book will provide an organised research resource and also inform and motivate further research into the microeconomics of mortgage markets.

Save Time and Money-and Get the Loan That's Right for You Ever-changing mortgage guidelines... confusing financial forms... if you're buying or refinancing a home, you know all too well how overwhelming and intimidating the mortgage process can be. This revised edition of How to Get the Best Home Loan guides you through all the critical issues and demystifies the mechanics of mortgage lending-everything from disclosures and fees to closing costs, points, and making payments. Longtime mortgage banking industry insider and former realtor W. Frazier Bell helps you sidestep the risks of financing a mortgage and sheds light on many unknown aspects that keep borrowers from making intelligent, money-saving decisions. Written in clear, simple language, this comprehensive Second Edition features new information on desktop underwriting, merged credit reports, and using the Internet, as well as updated sections on verifications, qualifying, and loan types. Bell gives you hands-on access to his hard-won experience, providing the tools you need to: • Understand why lenders do the things they do • Learn what to look for when comparing loans and lenders • Head off potential problems and expensive mistakes • Navigate FRMs, ARMs, FHAs, GEMs, and TILs • Know why certain loans may be better for you than others • Save yourself hundreds, even thousands, of dollars Packed with real-life examples, sample forms, and proven advice, How to Get the Best Home Loan, Second Edition will ensure that you get the right loan, at the right price, from the right lender.

The Ultimate guide to finding and financing a home Almost everyone aspires to owning a home, but the reality of coming up with a large enough down payment often stands in the way of making that dream come true. No longer! How to Buy a House with No (or Little) Money Down has helped tens of thousands become homeowners, and now it's your turn! Financing your dream home can be possible even if you never thought you could. This completely updated and expanded Third Edition shows you how. Even if you are relatively cash-poor or have a less-than-perfect credit rating, real estate and financial experts Martin M. Shenkman, CPA, MBA, JD, and Warren Boroson can help you obtain a mortgage and find the house you've always wanted--with expert guidance through all the confusing legal and tax issues involved. Featuring new sections on choosing an agent, using the Internet to search for an agent and a house, and how to win the bidding war, this clear, nontechnical guide tells you how to: • Make seller financing the ticket to your dream home • Take advantage of equity sharing, equity kicker mortgages, and other esoteric techniques • Use lease options to build equity while renting • Apply for and obtain fha, va, family, and other loans you may qualify for • Inspect a house from top to bottom, inside and out • Bargain with a seller and save a bundle • And much, much more You can obtain a down payment and get the most house for your buck--simply read How to Buy a House with No (or Little) Money Down and start making your dream a reality!