Top 3 Most Useful Things To Buy On Amazon For Your Home (Under $25)!

It’s literally ridiculous how many things Amazon sells everyday. And what’s crazy is most of the stuff that you buy is under $25 so it’s reasonably priced and super useful. I went over 100 different products looking for the best of the best, but it narrowed down to these three products.

1. Amazon smart plug

Amazon Smart Plug works with Alexa to add voice control to any outlet. Schedule lights, fans, and appliances to turn on and off automatically, or control them remotely when you’re away.

$24.99

2. Daiwa Felicity five in one vibrating massager

This awesome massage set is one of the coolest things to buy all Amazon. It comes with five attachments that you can put on, an attachment for a deep scalp, an attachment for a face massage, two point massage, and the handle itself also can become a massager!

$23.99

3. Mini Bluetooth speaker

All right, this little guy is high up on my Amazon list. This tiny speaker is so loud it will fill the entire room with a strong base and sound… And at this price you can go wrong

$16.99

Top 3 Ways to Buy a Home with Bad Credit |No Money Down| Essential Real Estate Tips

There’s many hidden costs when it comes to buying real estate. You have inspection fees, attorney fees, appraisal fees, and so on and so forth. All of these fees, what you call closing costs, sum up to be anywhere from 3 to 6 percent of the total loan. And that depends on if you go with a FHA loan or a conventional loan. With an FHA loan you may pay more fees than what you would if you went with a conventional loan. This is all because you may be a little riskier credit wise, FHA loans have less strict lending restrictions so people with lower credit scores go with these loans making the closing costs more expensive.

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But fear not there are a number of ways to work your way around paying these closing costs and even down payment. You just have to use your resources well, and search through the internet until you find a blog that will guide you through the way, like this one! Being a first time home buyer opens up a lot of doors when it comes to avoiding closing costs and high percentage down payments.

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1 Find Grants that will give you up to 10k to fund your down payment and closing costs.

Let’s go into further detail on what grants are. Grants give you money that does not need to be paid in return. Money that comes with no strings attached is by far the single and best kind ,and it can help tremendously with your down payment. There are various grant programs out there designed to cater to your areas of need. Whether it’s money for a down payment or closing costs. You can receive grants from nonprofits, local governments, and even employers.

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Examples of Grant Programs (click the programs for more information):

Freddie Mac Home Possible 

HomePath ready buyer program

NJHMFA state-wide Down Payment Assistance Program

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2 Apply for a VA or USDA loan which will allows no money down

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The U.S. Department of Agriculture also insures 0% down payment loans. The requirement is that you must buy a house in a rural area and meet certain income restrictions. Closely consider what’s important to you in a home and a location. When it comes to a VA loan, these mortgages are usually offered through a Department of Veterans Affairs program. They’re mostly available to active and veteran service members and their families, VA loans are backed by the federal government, but are issued through private lenders. VA loans have generous terms, such as no down payment, no mortgage insurance, no prepayment penalties and limited 

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3 Ask for Seller Concessions, and let the seller pay for your closing costs 

When going with a FHA loan you can only receive up to 3 percent of sellers concessions. So if your house’s purchase price is $100k, you’re getting $3k from the seller. This should cover the closing costs in full if it doesn’t you can roll the rest of closing costs into the end of the loan. 

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The next step would be paying the down payment, which would equal $3500. If you want to take it even further, you can borrow the $3500 from a family member. If you go with this method you would end up paying $0 to own a piece of land and a piece of property.