Rai Sahajpal

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sahajpal-rai.equity.us If you’ve never purchased a home in a managed community (“managed” as in overseen by a homeowner association or HOA), you probably have no idea what will be included in the package of HOA documents you’ll be receiving.

sahajpal-rai.equity.us Whether a home warranty is worth the paper it’s written on is a matter of debate. Some people in the real estate, financial and consumer protection industries laud them. Then there are those who say not to waste your money on a home warranty.

sahajpal-rai.equity.us Never was it more evident that the average American is woefully misinformed about insurance than when the Affordable Care Act kicked in and millions had to purchase health insurance. Deductibles, co-pays and out-of-pocket maximums were terms completely unfamiliar to them.

sahajpal-rai.equity.us Nobody really knows who starts myths, whether of the classic Greek variety or the modern real estate type. While the former are harmless enough, common real estate misconceptions may be dangerous – especially to your pocketbook.

sahajpal-rai.equity.us The following checklist is pertinent to domestic moves only. Moving abroad requires an entirely different set of tasks. Feel free to adjust the timelines according to how busy your life is. You may need to complete some of the tasks earlier.

sahajpal-rai.equity.us Of course you know that you’ll need to pay a down payment on any home you hope to purchase with a mortgage (unless you’ll be using a VA or USDA home loan). But, did you know that you will also need cash for an “earnest money deposit?” Indeed you will, and it’s a fact that surprises many fi...

sahajpal-rai.equity.us The most common chicken-or-egg-type question in the real estate business has to be “Should I sell my current home before buying another?”

sahajpal-rai.equity.us While a home inspection report is vital before purchasing an older home, experts agree that even newer homes should be checked.Not only will the report help you learn about repairs that should be made immediately, it’s a handy reference guide to keep on-hand throughout the time you live in the hom...

sahajpal-rai.equity.us There is any number of reasons that real estate consumers seek a quick close – from the need for speed to start a new job in a new city to the need to beat a lease’s expiration.

sahajpal-rai.equity.us Once you’ve chosen a moving company it’s time to go over the contract. Read it thoroughly before signing it. Scrutinize it to ensure that it lists the correct price, that the pickup and delivery dates and times are as promised and that everything you asked to be put in writing is included.

sahajpal-rai.equity.us In part 1 of our relocation guide we talked about preparing for the big move and how important it is to get clear on exactly what you want in not only a new home, but in a neighborhood as well.

sahajpal-rai.equity.us Quick! Name something that’s chaotic, scary, exhausting and sometimes sad. If “moving” didn’t come to mind first, you’ve been spared from one of life’s major upheavals.

sahajpal-rai.equity.us A big part of the home sale process is the appraisal. No matter how much a seller wants for his home, or how much a buyer is willing to pay for a home, in the end, it all comes down to the appraisal.

sahajpal-rai.equity.us As a homebuyer, you’ll face one of three types of real estate markets as you embark on home ownership: buyers’, sellers’ and balanced. The type of offer you’ll want to submit is highly dependent on the current market.

sahajpal-rai.equity.us If you purchase a home in a managed community, congratulations, you’re about to become a member of, and be governed by, a homeowner’s association, also known as a HOA. You’ll be given a mountain of paperwork by this association and, believe me, these are some of the most important documents yo...

sahajpal-rai.equity.us Parting with a big chunk of money isn’t easy. What is easy is giving in to the tendency to want to beat yourself up after spending it. It’s classic buyer’s remorse, and, while it’s not common, we have seen a few cases of it during our time in real estate.

sahajpal-rai.equity.us Things you’ll typically hear and read about during a buyer’s real estate market include low home prices, large inventories of available homes and little competition from other buyers. While homeowners naturally want to get top dollar for their homes regardless of market conditions, buyers’ mar...

sahajpal-rai.equity.us Unless you'll be paying cash for a home or you are applying for a loan backed by the government (such as a USDA or VA loan) or a Fannie Mae or Freddie Mac loan, you'll need at least 20 percent of the loan amount in cash. This is the down payment, required by the lender.

sahajpal-rai.equity.us Last time we looked how lenders determine your rate and your credit worthiness based on your credit score. We suggested that you order your credit reports from the “big 3” credit reporting agencies.

sahajpal-rai.equity.us It may not seem like it, but there is a process to buying a home and taking certain steps in the proper order just about guarantees success. Taken out of order – putting the cart before the horse – the steps are inefficient and counterproductive, and the process becomes chaotic.

sahajpal-rai.equity.us Between applying for a home loan and the close of escrow comes a most crucial step: the home appraisal. Since the transaction that got you to this point is one in which a buyer and seller agreed on a price, the appraisal is more likely than not to match the purchase price.

sahajpal-rai.equity.us Buying real estate means also buying insurance ― several different types, in fact. Private mortgage insurance (PMI) is sometimes demanded by the lender to ensure the loan is repaid if the borrower defaults. Homeowner’s insurance is a necessity to protect the lender’s financial interests.  

sahajpal-rai.equity.us Houses are like the clothes in your children’s wardrobe – before you know it, they’re too small. Now outgrowing a house doesn’t happen as quickly or as often as Junior goes through shoes, but if you’re planning a family, that house you live in now will feel awfully tight down the road. Thi...

sahajpal-rai.equity.us If you plan on spending a weekend touring open houses, it’s a good idea to go into the process with as much information as possible. Let’s take a look at 3 tips you might want to keep in mind when planning your day of open house tours.

sahajpal-rai.equity.us We’ve all heard it, whether it pertains to investing in the stock market, buying a car or a house: “Caveat emptor,” or “Let the buyer beware.”

sahajpal-rai.equity.us Buying a home is a process that is naturally confusing for the first-timer. A common bewilderment is about how much home can be purchased for the amount of money being loaned. If you’ve ever watched Home & Garden Television’s “Property Virgins” you’ve seen this on display.

sahajpal-rai.equity.us Looking for a new home but not sure about the difference between a condo and a townhome? You're not alone! Both types often come with a homeowners association, but they're not the same thing.

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