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LEFT JOIN wp_savemoreloan_comments ON ( comment_post_ID = ID AND comment_approved = '1')
WHERE ID IN (52,49,48,47,44,40,39,38,37,35)
GROUP BY ID
First, decide how much house you can comfortably afford and what you’re looking for in a home. Drive neighborhoods (at least two) and make note of asking prices. Then go online and follow those homes and see what they sold for. MSN is a frontrunner among such sites.
Don’t try to time a buyer’s market by waiting for prices to go lower. No one knows how long if will last.
Next, get a buyer’s agent and find out which homes in your desired neighborhoods have been on the market for more than 3 months. There will be more motivated sellers in this group.
Remember that you hold most of the cards, so take your time. You’ll have the most leverage with favorable credit and some down payment cash. And compare, compare, compare—locations, features, commute distances, asking prices. You may get more of your “nice to have” features than you expected if you do your homework.
Absolutely everything in a home purchase negotiation is…well, negotiable. Before you make an offer, figure out how much you’d like the seller to pay at closing or refund to you after closing. Try to arrange for this perk, especially if the inspection reveals a feature the house needs right way, like a furnace. Your loan may restrict the amount the seller can give you.
Take advantage of freebies and incentives offered by sellers to get you in the door—within reason. And make sure that you’re dealing with a flexible, realistic seller. Some sellers will yank their homes off the market if they don’t sell right away.
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