IN Shaler Summer 2017 - Page 24

S P E C I A L S E C T I O N : R E A L E S TAT E costs (about 3-5 percent of the cost of your home) and the potential of paying private mortgage insurance (PMI) if you are unable to put 20 percent down on your home. 4. BUYING: Protect yourself! It’s easy to get wrapped up in signing papers and lose sight of what you are agreeing to when buying a home. Fortunately, contingency clauses can protect you from losing what is yours. An example is a mortgage-financing contingency; if you lose your job or your loan falls through, you’ll get your β€œearnest money” back in full. Otherwise, you may be obligated to follow through with purchasing a house you can no longer afford. 1. BUYING: Getting an inspection can save you money in the long run. Inspection fees can range from $300 to $500, prompting some to think they can save money by avoiding an inspection. In almost all instances, this is false. Many issues in a home …Έ)ΌΥΉΝ••Έ‰δΡ‘”ΥΉΡΙ…₯Ή••ε”Έ%˜…Έ₯ΉΝΑ•Ρ½ΘΙ•Ω•…±Μ‘•™•ΡΜ)Ή½Π‘₯͍±½Ν•‰δΡ‘”Ν•±±•Θ°ε½Τ…Ι”…‰±”ΡΌΉ•½Ρ₯…Ρ”„Ή•ά½™™•Θ)½ΘΙ•Ν₯Ή…±Ρ½•Ρ‘•ΘΈ]₯Ρ‘½ΥЁ…Έ₯ΉΝΑ•Ρ₯½Έ°Ρ‘•Ν”Α½Ρ•ΉΡ₯…±±δ)½ΝΡ±δ₯ΝΝՕ́ݽձΥ±Ρ₯΅…Ρ•±δ™…±°½ΈΡ‘”‰Υε•ΛŠé͑½Υ±‘•ΙΜΈ(ΘΈ$ Ue%9θ%́‰Υε₯Ήœ…±έ…έё”‰•ΡΡ•Θ($)½ΑΡ₯½Έ½Ω•ΘΙ•ΉΡ₯Ήœό)Q‘₯́₯́„‘•‰…Ρ”½™Ρ•Έ‘₯͍ΥΝΝ•έ₯Ρ‘₯ΈΡ‘”Ι•…°•ΝΡ…Ρ”΅…Ι­•Π)…ΉΡ‘”…ΉΝݕȁ‘•Α•Ή‘́½Έ„Ω…Ι₯•Ρ䁽˜Ω…Ι₯…‰±•Μ₯Ή±Υ‘₯Ήœ)±½…Ρ₯½Έ°™₯Ή…Ή₯…±Μ…Ή±•ΉΡ ½˜Ρ₯΅”₯ΈΡ‘”‘½΅”Έ%Έ•Ή•Ι…°°)₯Ё₯́…‘Ω₯Ν•ΡΌΑΥɍ‘…Ν”„‘½΅”₯˜ε½ΤΑ±…ΈΡΌΝΑ•Ή΅½Ι”Ρ‘…Έ)ΡέΌε•…Ίё•Ι”Έ9½ΠΝΥΙ”‘½ά±½Ήœε½ΧŠe±°‰”₯Έε½Υȁ‘½΅”ό₯Ή)Ρ‘”‰Ι•…¬΅•Ω•ΈΑ½₯ΉΠ‰•Ρέ••ΈΙ•ΉΡ₯Ήœ…Ή‰Υε₯ΉœΡΌ‘•±ΐΥ₯‘”)ε½Υȁ‘•₯Ν₯½ΈΈ(ΤΈ$ Ue%9聹©½δΡ‘”Ω₯•άό)%ӊ齉Ω₯½Ύё…Ё‘½΅•Μέ₯Ρ „Ω₯•ά…ΈΝ•±°‰₯œΈ%Έ™…Π°)I•…±Ρ½ΘΉ½΄Νхѕ́ё…Ё‘½΅•Μέ₯Ρ „Ω₯•ά½˜Ρ‘”₯ΡδΝ•±°Ρ‘”)™…ΝΡ•ΝΠ°έ₯Ρ …Έ…Ω•Ι…”½˜€ΰ́‘…έ½ΈΡ‘”΅…Ι­•Π°έ‘₯±”‘½΅•Μ)έ₯Ρ …Έ½•…ΈΩ₯•άΝ₯Ё™½Θ€δΰ‘…εΜ€‘΅½Νѱ䁑ՔΡΌΡ‘”•±•Ω…Ρ•)ΑΙ₯”½˜½•…Ή™Ι½ΉΠΑΙ½Α•ΙΡδ€Έ%˜ε½Τ…Ι”₯Έ±½Ω”έ₯Ρ „‘½΅”)Ρ‘…Ё‘…́„Ω₯•ά°‰”ΝΥΙ”₯Ё₯́ё•Ι”ΡΌΝх丁±Ρ‘½Υ ε½Τ΅…δΝ•”)Ι½±±₯Ήœ‘₯±±ΜΡ‘ɽ՝ ε½Υȁ±₯Ω₯ΉœΙ½½΄έ₯Ή‘½άΉ½ά°έ‘ΏŠéѼΝ…δ)„Ι•…°•ΝΡ…Ρ”‘•Ω•±½Α•Θέ½»ŠeЁ͕”Ρ‘…Ёͅ΅”ΝΑ…”…́ё”Α•Ι™•Π)½ΑΑ½ΙΡΥΉ₯ΡδΡΌ‰Υ₯±΅½Ι”‘½΅•Μό ‘•¬έ₯Ρ ε½Υȁ±½…°)΅ΥΉ₯₯Α…±₯Ρ䁙½Θ±…ΉΥΝ”Ι•Υ±…Ρ₯½ΉΜΡΌ΅…­”ΝΥΙ”ε½ΥȁΩ₯•ά)έ₯±°Ι•΅…₯ΈΈ(ΨΈ$ Ue%9½M11%9聕Ё„Ν•½Ή½Α₯Ή₯½ΈΈ(ΜΈ$ Ue%9θ ”ΝΥΙ”ε½Τ…Έ…™™½Ι΅½Ι”($)Ρ‘…Έ©ΥΝЁё”΅½Ιѝ…”Έ)•ΡΡ₯ΉœΑΙ•…ΑΑΙ½Ω•™½Θ„΅½Ιѝ…”₯ٕ́ё”‰Υε•Θ„Ν•ΉΝ”)½˜‘½ά΅Υ ‘½ΥΝ”‘”½ΘΝ‘”…Έ…™™½Ι°‰ΥЁ‘½»ŠeЁΑΙ•ΝΥ΅”)Ρ‘₯́™₯ΥΙ”ΡΌ‰”ε½Υȁ½Ή±δ΅½ΉΡ‘±δΑ…ε΅•ΉΠΈ-••ΐ₯Έ΅₯Ή)½ΝΡ́ё…Ё΅…䁹½Π‰”…́•Ω₯‘•ΉΠ°ΝՍ …́ΥΡ₯±₯Ρ䁉₯±±Μ°Ρ…α•Μ°)‘½΅•½έΉ•Ί…ΝΝ½₯…Ρ₯½Έ‘Υ•Μ°΅½Ιѝ…”₯ΉΝΥΙ…Ή”…Ή΅½Ή•δ)Ή••‘•ΡΌ™ΥΙΉ₯Ν ε½Υȁ‘½΅”Έ=ΈΡ½ΐ½˜Ρ‘…Π°½ΉΝ₯‘•Θ±½Ν₯Ήœ(ΘΘ€άΘΠΈδΠΘΈΐδΠΐQ<YIQ%MπM‘…±•Θ)]‘•Έε½Τ‘…Ω”±₯Ω•₯Έε½Υȁ‘½΅”™½Θε•…ΙΜ°₯ӊé•…ΝδΡΌ)½Ω•Ι±½½¬ΑΙ½‰±•΅ΜΡ‘…ЁΑ½Ρ•ΉΡ₯…°‰Υε•Ί΅…δΝΑ½ΠΙ₯‘Ё…έ…δΈ)!…Ω”„Ι•±…Ρ₯Ω”½ΘΡΙΥΝΡ•™Ι₯•Ή½΅”½Ω•ΘΡΌΝΑ½Π…ΉδΝ΅…±°)™₯α•ΜΡ‘…Ёε½Τ…Έ΅…­”ΑΙ₯½ΘΡΌΑΥΡΡ₯Ήœε½Υȁ‘½΅”½ΈΡ‘”)΅…Ι­•ΠΡΌ΅…­”ΝΥΙ”₯ӊé₯Έ½ΑΡ₯΅…°½Ή‘₯Ρ₯½Έ™½ΘΝ•±±₯ΉœΈ]‘•Έ)½ΉΝ₯‘•Ι₯Ήœ‰Υε₯Ήœ„‘½΅”°₯ӊé…±ΝΌ‘•±Α™Υ°ΡΌ‘…Ω”Ν½΅•½Ή”)έ‘Όέ½Υ±Ή½Π‰”‰Υε₯ΉœΡ‘”‘½΅”Όέ₯Ρ ε½ΤΡΌΡ…­”„±½½¬Έ)!”½Ν‘”έ₯±°‰”…‰±”ΡΌΑ½₯ΉΠ½ΥЁΑ½Ρ•ΉΡ₯…°₯ΝΝՕ́ё…Ёε½Τ΅…δ)Ή½ΠΝ•”έ‘•ΈΡΙε₯ΉœΡΌ΅…­”ΝՍ …Έ₯΅Α½ΙΡ…ΉΠ‘•₯Ν₯½ΈΈ) ½ΉΡ₯ΉΥ•½ΈΑ…”€ΘΠƒŠz