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Buying a House in a Buyer's Market

Now is a great time to buy a house.  Prices are falling, and so are mortgage rates.  Millions of houses are for sale, and sellers are getting anxious. 

That's one way of looking at it.

Alternatively, you could say:  This is a bad time to buy a house.  Prices might be lower in a few months.  Same with mortgage rates.  With more than 4 million houses on the market nationally, and more being added daily, sellers are bound to become desperate.  Why not wait them out?

In many places, it's a buyer's market in real estate, with sellers outnumbering potential purchasers.  The resulting downward push on prices makes buyers happy.  But it complicates matters for buyers, too.  In some markets, there are too many choices to sort through.  Even more bewildering, buyers wonder if they should wait a few months.

If you're serious about buying a house, this is both the first step and the final goal. To put it more precisely, you have to decide whether you will actively shop and then negotiate a fair deal, or if you'll just passively browse houses, hoping to stumble on a steal.

You're more likely to succeed with the active approach instead of waiting (possibly in vain) for prices to fall further. You can't predict when the local market will hit bottom.  Even if prices do fall, someone could buy your favorite house out from under you.

If you find the right house at the right price, buy it.

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Investing Borrowed Money Can Be Risky

You're getting into risky territory when you start investing borrowed money. At first glance, your plan may seem like an easy way to use the bank's money to easily rack up investment gains for yourself.

After all, you can probably get a home equity line of credit at or below the prime rate, which is now 8.25 percent. Assuming the interest on the loan is tax-deductible (which you can ascertain by checking out IRS Publication 936), you're actually paying 6.2 percent in interest after taxes, assuming a 25 percent tax rate.

So all you've got to do to come out ahead is earn more than 6.2 percent after-tax on the borrowed money you invest.

Some may think that sounds like a sure thing. But actually, several things could go wrong.

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Home Insurance - Are Your Contents Covered?

Are your house contents insured?  Are you absolutely certain?  If you're under insured, from a legal point of view, you may as well not be insured at all.  Your insurer may simply scale back your claim by the amount you're under-insured, but they would be within their rights to reject the claim totally.

Many people under-estimate the value of their personal possessions.  If you go through your home, room by room, and make a rough mental note of the contents, you may be very surprised at what you come up with.  Don't forget to include portable electrical items, jewelry, designer clothes,paintings and even photograph frames. It's often the smaller items that are easily stolen in a "smash and grab" type of burglary and these can be the very items which you overlook in your valuation.

When working out the premium for your policy, insurers use your postal code, the size of your home and the claims history of the area.  Contents calculators are often available online, which are useful in deciding the level of coverage required.  There are steps you can take to help to cut premiums and stay safe.

In addition to the normal alarm system, you might consider installing motion-activated lights at the entrances to your house.  Not only are they a deterrent for the burglar but they're convenient for your own use too.  A security cover inside a letterbox makes sure a thief can't gain entry by putting a hand or instrument through it to open the door. Fitting all outside doors with efficient key-operated deadbolt locks is a good idea.

Inside the house, valuables could be kept in a safe and security fittings could secure any precious works of art.  It's a good idea to use some kind of marking or security code and record serial numbers, where this is relevant.  Photographs of your valuables are useful too.

There's a wide range of policies available.  With some insurers, it is normal for individual items valued at over $1,500 to be listed separately. These will be covered inside the home, but would need "personal belongings insurance" if they are to be insured away from home.

Some insurers offer discounts on homeowner's insurance if you cover both your home and your automobiles with the same company.  Ask your insurance agent if such discounts are offered in your area.

Just remember, you need to insure the full value of your belongings to avoid the risk of a claim being reduced or rejected, while still getting the very best value for money.  The easy way to do this is via an on-line insurance broker.  They'll be able to search a wide range of insurers and come up with the right policy to suit your own particular needs.

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