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There is really no single home-buying recipe that will fit all buyer situations, but we believe that knowing about some of the important issues will help make your decision simpler, smarter, a lot less risky and much less stressful.

Great Location Great Home

A word about home buying...
by J. Tar, CBR

home buyer's biggest challenge is to strike a smart balance between Great Location and Great Home. Oftentimes, buyers make the mistake of focusing too much on interior features that fulfill their vision of the perfect home - new kitchen, big windows, finished basement, etc. - rather than the location of the property. By location, we mean the features and benefits of - the actual street, the lot, the neighborhood, the school district, proximity to water, hospitals, transportation, shopping, etc. - things that can really add a lot to the resale value of a property. In fact, a great thought process that we recommend to home-buyers is to think about reselling the home that they are today considering to buy. That is, when buying, think about selling! Simply put, focusing too much on the home and not enough on the location can be a really big, long-term mistake. Always remember the popular rule that professional real estate investors use - "Location, Location, Location - You can always change a home, but you can never change the location". Obviously, this rule does not always apply. For instance, if a home needs additions and expansion to fit your requirements, but there is no room to do so, the location may be great, but it will never fit your needs. That aside, and especially, when available purchase money is the major governing factor -- which it almost always is -- we strongly recommend buying a bit less of a home and MORE (as much as possible) of a location. Acquiring this sense of balance takes some getting use to, (and could even be painful - because it may seem like you are giving up something) but it can make a BIG difference in your life! Often, a smaller, less finished home with great location features will appreciate much more in price, than a larger, more finished home in a location that is less appealing. When we speak about a "Great Deal" in real estate, it means that the property has a great relationship in terms of price vs. potential value. (Think of potential value as a combination of location and home.) It means that, although the home features may be less than perfect (they may in fact be perfect for you by the way), the location is so excellent, that the current sale price PLUS any investment you make to change the home, will be 100% (or nearly 100%) recoverable when you resell. Naturally, there are no guarantees of return on investment in real estate, but a smart purchase and good planning can really minimize your risks and maximize your gains.

As a rule, when we show you a property, it will always be location-valuable. The home may need work, or may be totally re-done, but the location will be really really excellent. And we will do our best to tell you why we believe the home is a Great Deal in ways that make sense. So remember - LOCATION, LOCATION, LOCATION -- and we would love to share these values with you to help you find that perfect balance!

In this section we offer information in the the form of articles and tools that we have hand-picked, based upon our own experience as buyers, as well as what we have learned from working with buyers from various walks of life.

Read each story carefully and please give us a call if you have questions on any particular topic. We are always here to help.

Also, visit our Library for a complete list of articles at this site!

The Steps to Buying a Home What happens after the offer... Can buying a home be a stress-free process? Well, we can't guarantee that, but we believe that being informed and knowing the steps can certainly help. In this article we outline the process and things buyers need to know and do along the way to moving in! Click Here for the Full Story What's that first form I'm signing? Agency Disclosure - It’s the law! The Agency Disclosure form is used to inform the buyer or seller of real estate, exactly who the real estate agent works for (ie: the buyer or the seller). Therefore, it is important that you receive and sign it as a first step in dealing with any real estate agent. -- and by the way it is New York State Law to receive it. This law and process is aimed at protecting your interests, so don't be concerned with signing this document. If you don't receive it, then do be concerned and demand it! Click Here for the Full Story Home buying should be a well-planned business project! Here is some great advice for buyers from author Dian Hymer. What is a home buyer's biggest worry? Paying too much? Buying a home that you end up hating? Working with an agent who leads you astray? Buying a home that turns out to be a money pit? Getting in over your head financially? Click Here for the Full Story Sizing Up The Quality of Schools It’s not all about test scores! Here is some useful information about measuring the quality of schools from author Alfie Kohn. Kohn is the author of seven books on education and human behavior, the most recent being The Schools Our Children Deserve: Moving Beyond Traditional Classrooms and "Tougher Standards" (Houghton Mifflin). Everyone knows that buyers are attracted to neighborhoods with good schools. But not everyone knows what makes schools good. That's why many people continue to assume -mistakenly- that high test scores are a positive sign. Click Here for the Full Story MORE THOUGHTS... Planning to Buy a Home Some simple facts.. Here's an easy, high-level view of things to think about and know when buying a home. Click Here for the Full Story What's your FICO Score? Lendors use it to estimate risk... Along with the credit report, lenders can also buy a credit score based on the information in the report. That score is calculated by a mathematical equation that evaluates many types of information that are on your credit report at that agency. By comparing this information to the patterns in hundreds of thousands of past credit reports, the score identifies your level of future credit risk. Click Here for the Full Story How Much Can You Afford? Consider the following factors... To decide how much you should pay for a home, consider the following factors - How much can you afford to pay? How much do you feel comfortable paying? How well priced is the home? What is the home worth to you? Are others trying to buy the home? How easy or difficult will it be to find a similar home? Click Here for the Full Story Getting a Mortgage - What's the Process? - A simple step-by-step view... One of the most common current day issues is often the source of much confusion and stress. Getting a mortgage, either for a new home purchase or a refinance, follows the same basic process. Unfortunately, mortgage brokers and banks, all too often, do not clearly map out the process for customers at the start and even more importantly fail to keep them informed as the process unfolds. Here, we outline the steps in simple, detailed terms. Click Here for the Full Story MORE FINANCIAL TALK...

The information included at this site, or received from this site, may not be applicable to every situation. Every property, market and personal situation is unique. The formulation of an effective property marketing or purchasing strategy requires careful analysis and planning with a real estate professional. The authors make no representation or guarantees through the presentation of this information. Federal, New York State and local laws prohibit discrimination because of race, color, sex, religion, age, national origin, marital status, familial status or disability in connection with the sale or rental of residential real estate. Coach Realtors does not knowingly accept advertising on this website in violation of these laws. Coach Realtors will not be responsible for misinformation, misprints, typographical errors, etc., which appear on this web site. All offerings are subject to errors, omissions, prior sale, change of price, or withdrawal with or without notice. All facts should be independently verified by prospective purchasers.