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Reviewed by Divine Zape for Readers' Favorite
J. Baptiste’s First Time Homebuyer Gold is a valuable book that gives novice homebuyers everything they need to make the most of their first purchase. The author draws on more than twenty years in the mortgage compliance industry to discuss choosing a location, budgeting, and understanding the limits associated with the purchase before moving on to the mechanics of making offers, earnest money deposits, and sale and purchase agreements. The author explains the lending process, including pre-approval letters, debt-to-income ratios, down payments, employment and income verification, FICO scores, gift letters, and escrow accounts. In the later part of the book, the author discusses the property itself, addressing inspections, oil tanks, appraisals, septic tanks, property boundaries, and more. Readers get an important walk-through for closing the deal and what happens after the keys are handed over.
First Time Homebuyer Gold is the book that gives future homeowners one important tool they need to make the right purchase: knowledge. J. Baptiste teaches readers the art of living within their means, questioning every document, and negotiating without fear. The book is filled with practical lessons and insights, and I underlined the following: never open a new debt while a mortgage is in process; never skip the final walk-through; and verify every line of the closing disclosure. The writing is accessible, and the chapters are short, with a straight-to-the-point kind of delivery that makes readers understand that these are simple, yet important instructions from an expert who has been in the business for many years. You will hear the compassionate and warm voice of a coach who wants to help you find a home.
