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You bought your first home -- now what?
Nearly 6.4 million homes were purchased in the U.S. last year -- and many of them are owned by young first-time buyers like you, who now find themselves wondering, "What's next?" And with the subprime crisis quickly becoming a general slide in the housing market, you're looking for guidance on how to stay on track financially.
With Nolo's Essential Guide to Buying Your First Home, you'll get the crucial information that will make the difference between worrying about your home and enjoying every minute you spend there. Packed with tips and timely reminders, our latest USA TODAY book gives you the lowdown on:
This slim volume could potentially save you and your family thousands of dollars -- and perhaps even your home. Turn to this all-in-one resource for the tools and tips you need to keep home ownership simple and fun!
- Sales Rank: #1017263 in Books
- Published on: 2008-10-07
- Original language: English
- Number of items: 1
- Dimensions: 9.00" h x 1.00" w x 6.00" l, .97 pounds
- Binding: Paperback
- 304 pages
From the Publisher
Skip the stress! Enjoy your new home.
From the Author
9 Money-Saving Tips for New Homeowners
From the authors of Nolo's ESSENTIAL GUIDE for FIRST-TIME HOMEOWNERS
October 27, 2008 Berkeley, CA--Today's economic climate can raise anxiety levels, especially for first-time homeowners. New homeowners probably passed stringent tests to qualify for a loan, and for many, cash reserves are at an all-time low. How can they enjoy their new nest without stressing out? Ilona Bray and Alayna Schroeder authors of The Essential Guide for First-Time Homeowners (Nolo; October 2008 ISBN 13: 978-1-4133-0895-2) offer nine helpful tips:
1. Improve for you, not for resale. You may have thought you'd be in your first home a few years, but find that dismal market conditions keep you in place. If you need to stay put longer than expected, improvements (like an extra bathroom or bedroom) can make the place more comfortable long term. But if you're justifying laying out cash for major home improvements with the idea that you'll recoup the cost when you sell, do some research first. Most home remodeling projects don't pay for themselves. You'll get the biggest resale boost from kitchen and bathroom remodels and front-yard landscaping.
2. Protect the environment, save money. By hanging your laundry out to dry, washing clothes in cold water, cleaning or replacing your furnace and air-conditioning filters, putting on a sweater and turning your thermostat down a degree or two in cold weather, and turning down the water heater (120° is warm enough for most people), you can both save a bundle and help the environment.
3. That housewarming party? Make it a potluck. Have everyone pitch in for a potluck, or try a cheaper, creative option: Serving afternoon high tea is easier on the pocketbook (and you!) than a dinner party with wine and grilled meat.
4. Prioritize your remodeling and decorating projects. Start with projects crucial to the house's structural integrity and your family's comfort; don't choose new carpeting over fixing a leaky roof (or leaks may ruin the new carpet!). And throw in a couple cheap "extras"--a can of paint and some decorative pillows won't cost you much, but can make the place seem so much more like home.
5. Save for big expenses. New homeowners often forget that annual property tax and insurance payments are on the horizon, usually at the beginning of the new year (unless these expenses were already worked into your mortgage payment). Create a savings goal that will cover such costs, then set aside a bit each month.
6. Figure regular maintenance costs into your monthly budget. Most homeowners need to spend 1% to 3% of their home's value for annual maintenance. Deferring maintenance in hard times can sometimes make things worse--and more expensive--later. For example, failing to deal with peeling exterior paint can lead to dry rot.
7. Enjoy the quest for low-cost home furnishings. Challenge yourself: Don't simply walk into a store and buy a house full of furniture. Try garage sales, thrift stores, and websites like Craigslist or eBay. Wood furniture tends to offer the best value, because it's easily cleaned and won't need reupholstering. For new items, bargain hunt, piece by piece, from online and local retailers.
8. Make the most of homeowner tax deductions. As a homeowner, you can now deduct the costs of mortgage interest (including points), private mortgage insurance premiums (PMI), mortgage prepayment and late payment penalties (but try to avoid these!), state and local property taxes, interest on a home improvement loan, and interest on home-equity debt (with certain dollar limits). Plus, now that you're itemizing, you can also take advantage of other deductions such as gifts to charity.
9. Get a refund on your homeowners' insurance premium. Even if you paid a whole year's premium when you bought your house, you can make changes to your policy and get either a refund or a reduction of your payments midyear. For example, you might qualify for a discount if you add a security system and fire alarm, deadbolt locks, or (depending on where you live) hurricane-resistant shutters. While you're at it, tell your car insurer about your change of address--if it's in a zip code with a lower crime rate, that premium might go down, too.
About THE ESSENTIAL GUIDE for FIRST-TIME HOMEOWNERS: Maximize Your Investment & Enjoy Your New Home is filled with easy-to-implement ideas, crucial advice and helpful reminders about how homeowners can keep their biggest investment working for them. Nolo is proud to join with USA TODAY, the most-read newspaper in the U.S.A, to produce a series of books on personal finance and legal topics. By combining Nolo's topical expertise and team of in-house editors, researchers, and writers with USA TODAY's trademark graphics and cutting-edge reporting, we hope to produce books that set new standards for being relevant, insightful and helpful.
About the Author
Schroeder specializes in employment law and real estate and is co-author of Nolo's Essential Guide to Buying Your First Home. Before joining Nolo, she worked as an associate in a large San Francisco law firm where she represented employers in litigation, drafted employee handbooks and policies and counseled employers on sound employment practices. Schroeder also has experience in employment consulting and human resources. She holds a law degree from the University of California, Hastings College of Law.
Bray is an author and legal editor at Nolo, specializing in real estate, immigration law, and nonprofit fundraising. She is co-author of Nolo's Essential Guide to Buying Your First Home and also edits a number of Nolo's small business books. Bray's working background includes solo practice, nonprofit, and corporate stints, as well as long periods of volunteering, including an internship at Amnesty International's main legal office in London. She received her law degree and a Masters degree in East Asian (Chinese) Studies from the University of Washington.
Most helpful customer reviews
12 of 12 people found the following review helpful.
Useful but superficial
By Amazon Customer
This is not so much an "Essential Guide" as it is a collection of mostly-useful tips, diluted with a lot of cute fluff. For example, there is a chapter with lots of bullet point lists for handling disputes with neighbors, along with a cookie recipe so you can "Woo the Neighbors With These Chocolate-Filled Cookies".
The book tries to cover too many subjects (home maintenance, real estate finance, neighbor law, etc.) and ends up with insufficient detail. The chapter on home maintenance contains a brief schedule of things to check in each month, but what is a first-time homeowner going to get out of the recommendation to "Test the pressure and temperature valve on your water heater by opening it and allowing some water to flow out"? As with most of the tips, a bit more detail telling the reader how to do this would make the advice useful instead of just nagging.
Most of the tips are helpful if incomplete, and most first-time homeowners would benefit from skimming this book. But the book should not be considered a substitute for a real reference on any of the subjects it covers.
6 of 6 people found the following review helpful.
Useful book
By S. J Parker
I'm not a first time homebuyer, but I have 3 children who will be soon.
This book has a lot of good information for first timers. Like knowing when you move in where your main shut offs are - gas, water, electric, etc.
In some important areas not enough detail & specifics, i.e. financing, insurance, home inspections. Of course this should have been researched prior to purchase.
The author talks alot about home maintenance & upgrading. Before making any decisions on energy saving changes - "get an energy audit. A professional will perform several tests and assess your current energy use. There will be some upfront costs - usually $100. to $200 - and your utility company may even offer these services or subsidize payment to an independent auditor, if you ask. In any case, the audit may discover easily correctible problems. For more information, visit the Dept of Energy's Energy Efficiency & Renewable Energy website ( [...] type "energy audit" in the search box).
Other parts of the book didn't seem revelent, i.e. hybrid cars & organic gardening. Other books cover this type of information in much more detail.
Overall its an informative book & I'd recommend it. The 3 stars was an error, which this review page won't let me change. 5 stars
0 of 0 people found the following review helpful.
Some very helpful information, but some annoying weaknesses, too.
By Sheri in Reho
I struggled with the star rating for this book--whether to give it 3 or 4 stars--because, while it was helpful and informative for me personally as a first-time homeowner, it had some pretty substantial weaknesses that reduced its overall usefulness and increased my frustration while reading it:
1. Being tied in with USA Today, the book constantly uses that newspaper as source material. This would not really be a problem except that the book was published in October 2008 and includes references to articles in USA Today that are, in some cases, already several years old. This doesn't seem a wise decision, especially with the changes going on in the home market.
2. The book uses many USA Today graphs and charts; again, this would not be a problem in itself, but these graphs and charts often have little or no relation to what is being discussed on the page and rarely add much (if any) value to what is being discussed. Examples include a pie chart on "Who has the best yard in the neighborhood?" in a discussion on "Getting neighbor buy-in on your remodel plans," a graph on "Number of states with the same official tree" in a discussion on "Tree laws," and a graph on "Most common items boaters have lost overboard" in a discussion on homeowner's insurance. Is this information we need to know as first-time owners? Is this information adding any value to my reading of this book? My answer is no.
3. Since this book is written at a very basic level (you could almost call it "First-Time Homeowning for Dummies), I found it annoying that it would give you a great tip, but stop short in explaining what it means or how to do it. Even a throwaway sentence referring the homeowner to the appliance owner's manual, for example, would be better than setting up a great tip on appliance maintenance and then stopping short of explaining how to do it.
The book covers some great subjects--I especially appreciated the chapters on maintenance, tax breaks and insurance issues. I even learned a lot reading about some issues that don't affect me because I'm a condo owner vs. a single-family-home owner--like property lines, trees and fences.
I am a rarity in that I bought my first home at the age of 55. In fact, my first home was actually my retirement home! I was woefully under-educated as a home buyer and homeowner, despite the fact that I'd taken a class or two on shopping for and buying a home in the year before I bought my home. As a result, this book is a great asset to me as a reference tool to maintaining my home properly, getting the tax breaks I'm qualified for, etc. I really wanted to rate the book higher, but the issues listed above annoyed me enough that I felt it was only fair to potential buyers that I be completely honest about its weaknesses.
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