Billy langford (9 risultati)

Condizione: New.

Soft cover. Condizione: Very Good. 1st Edition. DAW Collector's Book 603. Light edge and corner wear with a flat uncreased spine; no interior markings. Cover art by Vincente Segrelles. This anthology contains: Introduction by Karl Edward Wagner; Uncle Otto's Truck by Stephen King; Out of Africa by David Drake; Names by Jane Yolen; Just Waiting ;by Ramsey Campbell; The Ventriloquist's Daughter by Juleen Brantingham; Elle Est Trois (La Mort) by Tanith Lee; The Man with Legs by Al Sarrantonio; 3:47 AM by David Langford; Mistral by Jon Wynne-Tyson; The Wall-Painting by Roger Johnson; Keepsake by Vincent McHardy; Echoes by Lawrence C. Connolly; After-Images by Malcolm Edwards; Come to the Party by Frances Garfield; The Attic by Billy Wolfenbarger; One for the Horrors by David J. Schow; Spring-Fingered Jack by Susan Casper; and The Flash! Kid by Scott Bradfield. Vincente Segrelles; (illustratore). Book.…

Condizione: New.

Paperback. Condizione: new. Paperback. Buying a house is one of the biggest financial decisions most people will ever make, yet most buyers start the process with partial information, bad assumptions, and far too much trust in people whose incentives are not fully aligned with theirs.In What They Don't Tell You About Buying a House, mortgage broker and former real estate agent Billy Langford gives buyers the plain-language home buying guide the industry rarely provides. Drawing on more than thirty years inside residential real estate, he explains what pre-approval really means, how much house you can actually afford, how closing costs and first-year expenses change the math, and where buyers get pressured into expensive mistakes.This practical guide to buying a house covers mortgage basics, credit and debt-to-income ratio, FHA loans, conventional loans, VA loans, USDA loans, PMI, lender shopping, the 2024 NAR settlement, buyer agent commissions, buyer representation agreements, home inspections, appraisal gaps, title insurance, HOA documents, new construction risks, seller concessions, the Loan Estimate, the Closing Disclosure, property tax reassessment, homeowners insurance, escrow shortages, refinancing, wire fraud, and post-closing surprises.Langford does not write like a salesman and he does not write like a cheerleader. He writes like someone who has sat at the closing table for decades and knows exactly where buyers lose money, where they get rushed, and which questions should have been asked before anything was signed.Whether you are a first-time home buyer or a repeat buyer who wants a smarter, safer purchase, this book will help you compare mortgage options, evaluate agents and lenders, read the paperwork, negotiate inspection issues, avoid overpaying, and get through the first year of homeownership with fewer costly surprises.If you want an honest real estate guide, a practical mortgage guide, and a plain-English homeownership guide in one book, start here. The real estate industry has secrets. Learn what agents and lenders won't say, avoid costly traps, and navigate the biggest purchase of your life with an insider's knowledge. Stop trusting blindly and start buying smarter. This item is printed on demand. Shipping may be from multiple locations in the US or from the UK, depending on stock availability.…

PAP. Condizione: New. New Book. Shipped from UK. THIS BOOK IS PRINTED ON DEMAND. Established seller since 2000.

PAP. Condizione: New. New Book. Delivered from our UK warehouse in 4 to 14 business days. THIS BOOK IS PRINTED ON DEMAND. Established seller since 2000.

Paperback. Condizione: new. Paperback. Buying a house is one of the biggest financial decisions most people will ever make, yet most buyers start the process with partial information, bad assumptions, and far too much trust in people whose incentives are not fully aligned with theirs.In What They Don't Tell You About Buying a House, mortgage broker and former real estate agent Billy Langford gives buyers the plain-language home buying guide the industry rarely provides. Drawing on more than thirty years inside residential real estate, he explains what pre-approval really means, how much house you can actually afford, how closing costs and first-year expenses change the math, and where buyers get pressured into expensive mistakes.This practical guide to buying a house covers mortgage basics, credit and debt-to-income ratio, FHA loans, conventional loans, VA loans, USDA loans, PMI, lender shopping, the 2024 NAR settlement, buyer agent commissions, buyer representation agreements, home inspections, appraisal gaps, title insurance, HOA documents, new construction risks, seller concessions, the Loan Estimate, the Closing Disclosure, property tax reassessment, homeowners insurance, escrow shortages, refinancing, wire fraud, and post-closing surprises.Langford does not write like a salesman and he does not write like a cheerleader. He writes like someone who has sat at the closing table for decades and knows exactly where buyers lose money, where they get rushed, and which questions should have been asked before anything was signed.Whether you are a first-time home buyer or a repeat buyer who wants a smarter, safer purchase, this book will help you compare mortgage options, evaluate agents and lenders, read the paperwork, negotiate inspection issues, avoid overpaying, and get through the first year of homeownership with fewer costly surprises.If you want an honest real estate guide, a practical mortgage guide, and a plain-English homeownership guide in one book, start here. The real estate industry has secrets. Learn what agents and lenders won't say, avoid costly traps, and navigate the biggest purchase of your life with an insider's knowledge. Stop trusting blindly and start buying smarter. This item is printed on demand. Shipping may be from our Sydney, NSW warehouse or from our UK or US warehouse, depending on stock availability.…

Taschenbuch. Condizione: Neu. nach der Bestellung gedruckt Neuware - Printed after ordering - Buying a house is one of the biggest financial decisions most people will ever make, yet most buyers start the process with partial information, bad assumptions, and far too much trust in people whose incentives are not fully aligned with theirs.In What They Don't Tell You About Buying a House, mortgage broker and former real estate agent Billy Langford gives buyers the plain-language home buying guide the industry rarely provides. Drawing on more than thirty years inside residential real estate, he explains what pre-approval really means, how much house you can actually afford, how closing costs and first-year expenses change the math, and where buyers get pressured into expensive mistakes.This practical guide to buying a house covers mortgage basics, credit and debt-to-income ratio, FHA loans, conventional loans, VA loans, USDA loans, PMI, lender shopping, the 2024 NAR settlement, buyer agent commissions, buyer representation agreements, home inspections, appraisal gaps, title insurance, HOA documents, new construction risks, seller concessions, the Loan Estimate, the Closing Disclosure, property tax reassessment, homeowners insurance, escrow shortages, refinancing, wire fraud, and post-closing surprises.Langford does not write like a salesman and he does not write like a cheerleader. He writes like someone who has sat at the closing table for decades and knows exactly where buyers lose money, where they get rushed, and which questions should have been asked before anything was signed.Whether you are a first-time home buyer or a repeat buyer who wants a smarter, safer purchase, this book will help you compare mortgage options, evaluate agents and lenders, read the paperwork, negotiate inspection issues, avoid overpaying, and get through the first year of homeownership with fewer costly surprises.If you want an honest real estate guide, a practical mortgage guide, and a plain-English homeownership guide in one book, start here.…

Paperback. Condizione: new. Paperback. Buying a house is one of the biggest financial decisions most people will ever make, yet most buyers start the process with partial information, bad assumptions, and far too much trust in people whose incentives are not fully aligned with theirs.In What They Don't Tell You About Buying a House, mortgage broker and former real estate agent Billy Langford gives buyers the plain-language home buying guide the industry rarely provides. Drawing on more than thirty years inside residential real estate, he explains what pre-approval really means, how much house you can actually afford, how closing costs and first-year expenses change the math, and where buyers get pressured into expensive mistakes.This practical guide to buying a house covers mortgage basics, credit and debt-to-income ratio, FHA loans, conventional loans, VA loans, USDA loans, PMI, lender shopping, the 2024 NAR settlement, buyer agent commissions, buyer representation agreements, home inspections, appraisal gaps, title insurance, HOA documents, new construction risks, seller concessions, the Loan Estimate, the Closing Disclosure, property tax reassessment, homeowners insurance, escrow shortages, refinancing, wire fraud, and post-closing surprises.Langford does not write like a salesman and he does not write like a cheerleader. He writes like someone who has sat at the closing table for decades and knows exactly where buyers lose money, where they get rushed, and which questions should have been asked before anything was signed.Whether you are a first-time home buyer or a repeat buyer who wants a smarter, safer purchase, this book will help you compare mortgage options, evaluate agents and lenders, read the paperwork, negotiate inspection issues, avoid overpaying, and get through the first year of homeownership with fewer costly surprises.If you want an honest real estate guide, a practical mortgage guide, and a plain-English homeownership guide in one book, start here. The real estate industry has secrets. Learn what agents and lenders won't say, avoid costly traps, and navigate the biggest purchase of your life with an insider's knowledge. Stop trusting blindly and start buying smarter. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.…