Certainly refinance mortgage loan information is important to consider while you evaluate your options. Here are some resources to help you along the way:

How To Negotiate The Price & Get The Best Deal When Buying A House!
By Kris Bickell
When it comes to negotiating, I’m no expert. But when buying my house, I did not ask for everything I wanted, and to this day I still regret this decision! Again, there are no set guidelines for negotiating, but do what you feels right (and ask your for help).

If you want an item fixed before you move in, ask for it to be fixed. If there is too many problems with the house and you want to walk away from the deal, go ahead (but check with your lawyer first to make sure you get your money back). There will be other houses.

Here are two final mistakes to avoid when buying your next house:

• Negotiate any item that you feel is important.

• After the inspection, you need to decide which items to ask the sellers to pay for to fix, and which ones you will fix.

You want the sellers to fix as much as possible, but you don’t want such a long list, or a list with so many trivial little items, that the sellers just say “Forget it, we’re not fixing anything”.

Your realtors will help you with the list.

But negotiate any item that YOU feel is worthwhile, no matter what the inspector or says!!!

Our house had an old pool in the yard. Our knew it was old, so he didn’t want me to include it on the list. So I didn’t. But I felt it was important. And I should have included it. Because after we moved in, and looked at the pool closely, we decided to ask a pool company to come by to give us information on the pool. They said it was too old and rusted to bother fixing, and recommended we take it down! On our time, and at our expense.

The pool was on the house listing, so technically it should have been in working order. But because my didn’t want an old pool to be a stumbling block, I did not ask the sellers to fix it, and it became our responsibility. Costly lesson for us. (Which became even more costly when I tore cartilage in my knee while taking the pool down and needed an operation!)

Remember, the does not make any money if you do something that causes the deal to fall through. So its in their best interest to make the reply to the inspection as “reasonable” as possible – it’s in YOUR best interest to have the house in proper working condition.

So if you REALLY want something fixed before you move, include it on your list to the sellers after the

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inspection.

Finally, ask for proof BEFORE the closing that every item is repaired properly. (We didn’t, and it created some unneeded disagreement at the closing when some of the items were not fixed to our satisfaction.) Go back and visit if you are not sure!!!

And walk through the house before closing.

In most cases, anywhere from a few weeks to a few months will pass from the time you have the house inspected to the time you move in.

A lot can happen in that time.

Your final “walkthrough” before closing is your time to make sure that no problems or damage has occurred during this time.

If you wait until the closing, nobody will want you to create waves (including you) by bringing up “loose ends”. So take care of this a day or two before closing, or even the morning of closing.
Check everything very carefully – and start getting ready to enjoy you new house!

It’s not over until it’s over!

If you find things going wrong after you move in, things that you thought were covered by your inspection report, you might have some options.

We found several problems - almost by accident - that should have been noticed by the inspector but were not. So we filed a complaint with our State Consumer Protection department against our inspector. And we were amazed at how fast he was willing to pay to fix these problems (fortunately for us!)

Not that we wanted him to pay for every little problem - many of which were part of the normal “wear & tear” of an older house. But the big things he should have found as unsatisfactory were the ones we asked him to pay for.

So, like the immortal baseball player Yogi Berra said, “It ain’t over till it’s over!”

Even if you only prevent one problem, you could save yourself a good amount of money!

Kris Bickell is the owner of HouseBuying-Tips.com, a site that helps first time home buyers avoid the costly mistakes that many new homebuyers make. For more tips on buying a house, getting a mortgage, finding a realtor, and getting out of debt, sign up for the free “How To Avoid These 10 Costly Mistakes When Buying Your First Home” email course at: www.HouseBuying-Tips.com/. © 2005 HouseBuying-Tips.com