Book Review: Buying Your First Home by Chuck and Donna Cosmato
In my years as a licensed real estate professional, I regularly met people ready to buy their first home. Or so they thought. After all, it's the American dream to own your own place. Unfortunately, for those who don't understand what they can afford or really desire, that dream can become a nightmare. by Chuck and Donna Cosmato is a handy, easy-to-understand guide written with buyers in mind to make sure they sidestep the pitfalls in today's market. Buying Your First Home: Insider Secrets You Must Know
Book Delivers as Promised
As I read Buying Your First Home, I kept thinking, "If I had this book when I was in real estate, I would have given a copy to serious first time buyers." This book delivers what it promises; insider secrets you must know. Chuck Cosmato brings his years of of real estate experience to the table as he teams up with daughter Donna Cosmato to offer a methodical plan to help buyers identify what is important to them when buying a house. Tools like the "Dream House Wish List" help buyers bring their true preferences into focus. Questions on this list delve below the surface and dig out tidbits that many homeowners don't take into consideration until it is too late.
What House Can You Afford?
Along with the help this book provides in identifying the house of your dreams, I recommend this book for those who want to know what they can afford to buy. Chuck and Donna Cosmato walk readers through the entire process from how lenders make decisions to the formula used to calculate debt to income ratios. What I really appreciate is the straight-forward, easy-to-understand language that keeps things easier to grasp.
Highly Recommended Reading
In addition to providing steps to match buyer to house, the book explains the different kinds of loans available, the importance of your credit score, and steps you can take to improve your credit score. While this book offers basics every first-time home buyer needs to know, it goes beyond that. It approaches finding the right real estate agent through an interview and hiring process. What a great idea! Instead of settling for the first agent you talk to, this book shows you how to choose an agent that will "work for you."
I recommend this book highly for anyone planning to buy a home; not just first time buyers. It's available at Amazon in paperback and is also available for Kindle. In fact, I suggest it as required reading for Freddie Mac and Fannie Mae. It would certainly teach them a thing or two about how to help people reach that American Dream without turning it into a foreclosure nightmare.
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