Essential Advice For Buying Your First Home And Navigating Through The Mortgage Loan Process

 Essential Advice For Buying Your First

Home And Navigating Through The

Mortgage Loan Process

Answers to First-Time Home Buyer Questions and Concerns in an Easy-to-Follow 7-Step Guide to Home Buying

By Diana Donnelly

Make the home buying process less stressful by understanding each step of the process ahead of time

How much mortgage can I afford?

What even are closing fees, and will I be responsible for paying them? How much do I have to put down? How much should I put down?

If you have any of these questions, you are not alone! Buying your first home can be stressful and leave you confused and anxious, wondering if you are making the right choice.

In fact, 70% of people in one survey stated they have at least one regret in their home buying experience, and much of this can be attributed to not being knowledgeable about what to expect ahead of time.

By discovering the 7-step process outlined in this book, you will save yourself from many headaches and be part of the 30% who have no regrets about their home purchase.

In this book, you will discover:

● The many benefits of buying a home, including having complete control over your domain and various tax breaks for homeowners

• ●  How the age-old saying “location, location, location” is of utmost importance in your decision — what to keep in mind when choosing the location of your future home

• ●  An overview of the different types of homes — know what you should be looking for (Cape Cods, Modern Farmhouses, or many other options)

• ●  The key to determining how much to spend on a house that won’t leave you “house poor”

• ●  Costs beyond the purchase price so you know how much you should really save before purchasing

• ●  How to understand your credit score and what you should do to improve your credit before applying for a home loan

• ●  The importance of choosing the right lender and questions you should ask them in an interview

• ●  What you can expect at each step of the loan process, from pre-qualifying all the way to closing on your new home

• ●  Tips on finding the perfect real estate agent for you, as they will be with you on this life-changing journey

• ●  Crucial things to look for when viewing homes, including things you may never have considered important when renting

• ●  Everything you need to know about making an offer on a house so you have the best possible odds of getting the house of your dreams

• ●  All the important factors to keep in mind before closing on your property

• ●  What happens after your offer is accepted and everything you need to know

  about being a homeowner

  And much more.

  This definitive guide leaves no stone unturned when it comes to the house buying process.

  Discover everything you need to know before starting your search so you are not left with regrets later.

  
  

  Click here to get your copy on Amazon / Kindle 

 

African History:

Explore The Amazing Timeline of The World’s Richest Continent - The History, Culture, Folklore, Mythology

& More of Africa

Journey into The Heart of Africa & Explore Over 2000 Years of History, People, Countries, Myths, Facts & More

From the birthplace of civilisation to modern times, African History tells the most exquisite tales of woe and wonder.

With a rich geography and fascinating history this continent is truly awe inspiring!

It’s no wonder Africa has given rise to many of our languages, philosophies and legends which we honour to this day. Using reliable, fact-checked written resources and discoveries from world-renowned archeologists, History Brought Alive presents African History.

Journey with us on the shoulders of the very first peoples of Africa across a riveting timeline of events. Explore the true history, facts, myths and drama that will have you curling your toes in awe and anticipation.

Here is a small taster of what’s inside this book:

Major Figures, Key Events, Politics & Milestones in African History

Fascinating Folktales, Myths & Legends, inc The Flying Tortoise, Lion & The Jackal, The Giants & Many More

The Birth of Human Civilization - Learn About The Origins of Humanity in Africa

Long Lost Kingdoms, inc Ancient Egypt, The Kingdom of Kush, The Land of Punt, Carthage, The Great Zimbabwe & Many More

The Amazing Story of The Nubian Queen Who Fought Back Against Caesar's Powerful Roman Empire

The Israelites & Their Amazing Journey Across The Nile River from Asia and into Africa, where they settled Nubia

Rituals, Tribes & Traditions From Centuries of African Heritage

The Zulu Wars - Epic Battles, Christianity & The British Empire In South Africa

And much, much more

Whether you're a history enthusiast or a curious reader...inside you will discover all you need to know about the true story of African History.

Click here to get African History on Amazon / Kindle

Also Available on Kindle Unlimited

 

 

Chasing Princess Charming

Meet Ken Clarke. Cool. Kick-ass and way above average in the looks department.

She's super smart and hits the drums like a rock star. She has a beautiful face, and rocks the androgynous fashion like she just stepped out of the covers of a magazine.

Even girls screamed for her and guys... well, thanks to her father, she had lost her faith in men a long time ago. And she didn't think that any man was worthy of her trust.

Her world revolved around her fragile best friend, Jennifer. She made it her mission to protect her.

And then Nicholas Atkins entered the picture...

Smart, devilishly handsome, smooth-talking Alpha Male who thought every guy in town wanted to be him, and every girl wanted to sleep with him.

Jennifer suddenly fancied herself in love with him, much to Ken's disappointment.

Soon, Jennifer was busy chasing after Nick.

Ken was busy keeping her away from him.

Nick, on the other hand, had a different agenda in mind.

Ken didn't know that while Jennifer was so desperate to win Nick's heart...

Nick would do everything to win hers.

Click here to get Chasing Princess Charming

on Amazon Kindle

Also Available on Kindle Unlimited

 

Cryptocurrencies and Blockchain 101:

From Bitcoin to NFTs: Learn Everything About the Metaverse and Get Ready to Be Part of the Crypto Revolution

Would you like to learn all about the crypto world easily?

You're about to discover every secret, its real story, and why it could change your life starting today.

The time of the biggest monetary revolution in history is here, and it is essential to make the most out of this moment by understanding why it's happening and what we can do to take advantage of it.

Here is what you'll find inside this guide:

• The history of cryptocurrencies: where they came from and why they have had this huge success,
• Let's learn what the blockchain is and how it works to discover all its secrets,
• NFTs and Metaverse: understanding all about them to becoming part of the digital revolution,
• How will the crypto world evolve in the future? Is it all speculation, or is there really room for profit?

And much more!

Even if you don't know anything about what you just read or it seems too difficult, don't worry: this guide is designed to be extremely easy for anyone to understand!

Click here to get 

Cryptocurrencies and Blockchain 101 on Amazon / Kindle

Also available on Kindle Unlimited

Hand of Retribution

 

Hand of Retribution

Brianna Hatherd wants nothing more than any other college freshman. Independence. A touch of adulthood. To be away from her small hometown. And for a brief moment, she achieves that goal. Until she receives word of a home invasion that has yielded a horrifying outcome.

Thrust back into Cullton, Pennsylvania, the town she thought she had left forever, Bri finds her family in shambles. Determined to find answers, she gets stonewalled in every attempt by local law enforcement and townspeople. With seemingly nowhere to turn, she prays for justice in a most heartfelt plea for at least one person to see her heartache and intervene.

Soon after Bri’s cry for help, mysterious, supernatural deaths begin plaguing Cullton. As she musters the energy to continue her fight for answers, suspicion over those mysterious deaths is cast her way. Only when a stranger reaches out to Bri does she learn the most inconceivable revelation about the happenings in her hometown, and the price of answered prayers.

Click here to get Hand of Retribution on Amazon / Kindle

Also Available on Kindle Unlimited

Click here to get Hand of Retribution on Barnes n Noble

The Sound of the Broken Wand

 

The Sound of the Broken Wand: The Poems

Award-winning singer-songwriter Tiki Black blends her multicultural assets to create intricate lyrics and memorable music. Tiki now bares her soul with her first book, The Sound Of The Broken Wand, a beautifully written collection of poems (and one essay). The artist weaves the wealth of her experience into each line, encouraging and celebrating the magic of human emancipation, as it breaks the spell of survival and allows us to experience the infinite possibilities of life.

The collection of poems (and one essay) encourages us to emancipate and break the wands of survival to allow for creative growth and freedom. The pieces are centred around 6 themes implicitly present in all stories: the blood (representing life and death), the cage (representing prison and refuge), the mirror (reflection and deflection), the crown (power and duty/debt), the shoe (journeys and unbeaten paths) and the wand (bewitchment and magic).

Click here to get The Sound of the Broken Wand on Amazon / Kindle US Store

Also Available on Kindle Unlimited

Click here to get The Sound of the Broken Wand on Amazon / Kindle UK Store

Also Available on Kindle Unlimited

 

 

We're All Broken

Step into a gripping psychological thriller story about the troubled mind of a serial killer and the daughter who turned him in.

For Penelope Hayes, the day her mother died threw her life into chaos. Forced to watch her father struggle with a downward spiral that left him locked in a mental rehabilitation center, Penelope and her siblings were separated in the foster care system and left to adapt to a strange new way of life.

Through a never-ending slew of patient care and custody battles, Penelope sees her father fight his demons as he desperately tries to reclaim his children. Then she hears nothing for five years. What nobody told her was that he was serving a sentence for attempted murder.

Now on parole and in the best mental health of his life, a glimmer of hope appears. It seems that finally, they can rebuild their family again. It was only later that Penelope made a terrible discovery – one that would force her to make an impossible choice. Her father had done many terrible things in his fight against his mental demons... and she has to decide whether or not to turn him in.

As a gritty crime thriller that explores the story of a daughter put in an impossible situation, We’re All Broken is a powerful read that grapples with themes of love and loss, failure and triumph, and finding the good within the horrific.

Click here to get We're All Broken on Amazon / Kindle

Also Available on Kindle Unlimited

 

 

I was a Prisoner, and I was Innocent

A memoir of the author's experiences as a prisoner in New York. It tells the story of how he ended up in prison as a lawyer even though he was innocent, how innocent people are easily criminalized by a flawed judiciary in the U.S. and how they are treated in prison.

The book vividly describes the real prison life that may surprise you, for better or worse, with full of intriguing episodes of incompetent lawyers and cozy system to cover them, grossly defective and unfair criminal justice system of the U.S., a full account of a murder in prison, heartwarming friendship and farewell with fellow prisoners, absurd rule enforcement and retaliation by the officials, eye-popping number of US prisoners and innocent death raw inmates, school and libraries in prison, reunion with family, and much more.

Click here to get, I was a Prisoner, and I was Innocent

on Amazon Kindle US Store

Also Available on Kindle Unlimited

Click here to get, I was a Prisoner, and I was Innocent

on Amazon Kindle JA Store

Also Available on Kindle Unlimited

The Ultimate Beginner's Guide to Homestead Gardening

 

The Ultimate Beginner’s Guide to Homestead Gardening: Your Next Step to Self-Sufficiency

Sick of the bad quality, high levels of pesticides, and exorbitant prices of the fruits and vegetables sold in your local market?

What if there was a way to grow nutritious fruits and vegetables right from your own garden? What if we told you it was much simpler than you expected? It’s time to get started cultivating your very own ecologically sound food garden!

The never-ending stream of information that is available online may make the prospect of growing your own food seem overwhelming. So, the author has compiled a simplified, step-by-step guide to establishing a sustainable garden.

Even if you’ve never planted a garden before or have no idea what a seed or sapling is, you can still set up your garden like an expert. If your goal is to live a life of total independence and self-sufficiency but don’t know how to get started, this all-encompassing guide on homesteading will offer you all the knowledge you need to cultivate and store a sustainable crop of vegetables.

Let’s dig into the details of planning and planting your space. Take the first step toward self-sufficiency and…

Click here to get

The Ultimate Beginner's Guide to Homestead Gardening

on Amazon / Kindle 

Also Available on Kindle Unlimited

 

Loving Akhilesh :

Reflections of parenting a child with severe learning disabilities

Note: This item is eligible for FREE Click and Collect without a minimum order subject to availability.  Details 

The National Health Service (NHS) states that learning disabilities affect around 1.5 million people in the United Kingdom, and that this figure is rising by the minute. Loving Akhilesh – Reflections of Parenting a Child with Severe Learning Disabilities is based on my parenting experience with my son, Akhilesh Kadari, who was diagnosed with severe learning disabilities soon after birth. I will be speaking about his care including his birth story, health and social care plans, and his medical diagnoses.

Being my son’s main carer since his birth, I wanted to share my parenting experience with others to help raise awareness of learning disabilities, to provide a good insight into the advancements in the resources available when caring for a child with learning disabilities, to provide hints, tips and ideas for parenting and finally, to highlight that a parent’s job is to not cure the disability but to create the best physical, mental, spiritual and social environment for the child to help them work through their challenges. As Kevin Heath says, “as our kids grow, they may forget what you said, but they won’t forget how you made them feel.”

You can also listen to the podcast under the same book title that is based on this book. The podcast is available on platforms such as Spotify, Amazon Music and Audio, Apple/iTunes, YouTube, Google Podcasts and more. I hope that you enjoy reading/listening to my motherhood journey as much as I enjoyed writing it.

Click here to get Loving Akhilesh on Amazon / Kindle US Store 

Also Available on Kindle Unlimited

Click here to get Loving Akhilesh on Amazon / Kindle UK Store 

Also Available on Kindle Unlimited

Departure

Departure

A space opera and thought exercise for the avid science-fiction reader, "Departure" explores mankind's greatest test against an adversary of their own creation: self-replicating drones that threaten humanity's very existence after a malfunction spirals their growth rate out of control. Installation of the first-ever Dyson Sphere goes awry when a world-shattering mistake threatens Corina-189 and its host star, Elnath. Humanity faces an unthinkable terror when the self-replicating drones forming its shell malfunction, tearing away inexorably across the galaxy, devouring all energy in its path. A young commander struggles to lead a fractured civilization in a fight for victory against a new, infinite enemy amidst a brutal war for planetary control. Will they find salvation? Or will mankind run forever through the stars?

Click here to get Departure on Amazon Kindle

 

Everyone Dies in Youngstown:

A Gripping Suspense Thriller

(The Hard Knock Series [Thriller Authors])

Can a man stand by when his brother is murdered?

It’s a dog-eat-dog world in rustbelt Youngstown, Ohio--but MJ Shea, a small-time cocaine runner, is making out just fine, thank you.

Until his crack-addicted brother turns up on the street, his brains blown all over the pavement.

The cops can’t be bothered investigating a simple gangland murder.

And no one wants to tangle with Waylay Mays, the city’s brutal drug lord.

But with his own life on the line, MJ must fight his way through the lies and hidden dangers of the forbidding city streets to get justice for his dead brother.

And what he finds will change everything, forever.

Prepare to stay up late reading this gritty, fast-paced novel by award-winning thriller writer James Dain, Best Novel Winner at the Los Angeles Neo-Noir Festival.

Note: Special FREE Promo August 15-17.

Click here to get Everyone Dies in Youngstown

on Amazon / Kindle

Also Available on Kindle Unlimited