Tips on negotiation, price and contingencies  . . .

The more you know about a seller's motivation, the stronger a negotiating position you are in . . .

Have the home inspected before purchasing . . .

What type of home insurance to purchase . . .

Tax credits for first time home buyers; what home-buying costs are deductable . . .

Are property taxes deductable; how are home values calculated; what is an impound account . . .

A home ultimately is worth what someone will pay for it. Everything else is an estimate of value . . .

ARMs and Fixed Rate mortgages . . .

What are closing costs, who pays and how to save . . .