From the most trusted name in real estate: the indispensable guide that helps first-time buyers land the home of their dreams. Now revised and updated for today's marketplace. How do I know if my broker is doing a good job? (See question #18.) How should I decide how much to offer for a home? (See question #29.) How does the negotiation process work? (See question #37.) How much of a down payment will I need to buy my home? (See question #61.) What are the different types of mortgages available? (See question #75.) What if I'm rejected for my loan? (See question #86.

) What exactly is the closing? And where is it held? (See question #89.) Will I need homeowner's insurance? What should it cover? (See question #93.)What's new in this edition?Internet resources for home buyers: Where to shop for a loan on the web, how to apply online for a mortgage, and how to contact the agency that regulates real estate brokers and mortgage lenders in your stateTax laws and what they mean to you: Why the Taxpayer Relief Act is a windfall for homeowners, and how you can take full advantage of itBuying new construction: How to compare developers and negotiate the best dealThe competitive mortgage market: How to find a reputable lender, how to find a true zero-down loan, and what service premiums tell you about your loan.