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• Is it better to buy your next home first or sell your existing before you buy?
• How do I best estimate moving costs?
• What is a good way to estimate the cost of house insurance?
• What is the formula to figure out how much house a buyer can afford? 2 times the yearly income or 3 times the yearly income?
• How much house can I afford?
• What are the advantages or disadvantages to homeownership?
• What is the difference between being prequalified and preapproved for a loan?
• If I have a payed off house under my name and its been a few years since I payed it off, could I ever be considered a first time buyer again?
• What is the proper mortgage for my income?
• Is this the best time to purchase a house?
• What are the qualifications for the first time buyers loan?

• If I find a home that is not for sale, how do I find out if their interested in selling?
• I am looking to buy a new house and I would like to know what qualities make for a good home resale value?
• Where can I find houses in foreclosure in my area without paying for this information?
• My neighbor is going to sell his house, how do I get an option to buy first?
• What does MLS mean?

• How much commission does a real estate agent make on each home sold?
• What should I do if I have a bad real estate agent or realtor and I want to make a complaint?
• Does a buyer pay a real estate agent commission?
• What should I look for when selecting a real estate agent?
• What is the difference between a listing agent and a buyers agent?
• What is dual agency?
• What are some questions to ask a Realtor when buying a home?

• If a home is appraised well above the purchase price can this equity be used towards the loan down payment?
• Who pays for the home appraisal, the buyer or the seller?
• How would you go about finding out how much a specific house sold for?
• Where is it written that the lender has to pick the appraiser as opposed to the borrower picking/hiring an appraiser?

• What is the time limit, after purchasing a home, the buyer has to repair any NON-mentioned problems in a home? Example: Noted on city water/sewer, Reality - septic sytem.
• What if I was presented with a home inspection report and I later find out that the inspection report is not enitirely true?

• If a counter offer is made on a contract signed by the buyer and the buyer refused to sign the counter offer, what is the status of the original offer?
• Am I entitled to know why my offer on a particular house was refused by the seller? I'm going through 2 realtors (the "seller's" representative and my "buyer" representative) and I feel as though my offer wasn't even presented since it was actually more than the seller wanted and someone else's offer was accepted.
• I submitted a bid for a house in New Jersey that is owned by a bank in Illinois. Do they have a required amount of time to respond?
• When submitting a bid on a home, how long does the seller have before answering the bid?

• I am considering selling my home and looking for a larger one. I dont have a down payment for the new home. Is there a way that a contract would be contingent for the down payment from selling my first home to use for the down payment on the 2nd? And what happens if it takes a while to sell my original home?
• How is an earnest money determined on an offer to buy property since you still need to come up with a down payment?
• Can I cancel a residential purchase agreement if buyers do not remove the contingencies in a certain time frame?
• Is the listed price of real estate negotiable?

• What is the purpose real estate closing attorney?
• What should I do to be prepared for my real estate closing?
• What is included in closing costs?
• Does the seller have to be present at the final walk through? Should they be?
• If there is no mortgage, then what costs are involved at closing?
• Can closing costs be added to the loan?
• Should there be any additional third party fees (lender, agent, attorney, etc.) outside of the good faith estimate?
• In buying a new home, how are estimated closing cost determined? How are estimated prepaid items/reserves determined?
• What is an escrow account?

• My husband and I own an apartment and are considering turning it into a condominium. Can you give us any advice as to how to go about doing so?

• If I currently have a mortgage with Wachovia and want to renew do I have to be living in the house that I am remortgaging?
• What is the criteria for proof that you used a second home as primary residence?
• What would a down payment % be on a second home?
• How do you calculate the captial gain on a second home? Is it the amount you received at closing, or some other formula?