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Home Buyer 411The Smart Guide to Buying Your Homeby Thomas (TJ) Underwood75 page e-book $9.95—now available on

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Learn How You & Your Family Can Benefit From Purchasing Home Buyer 411The Smart Guide to Buying Your Home©2014, 2023

Home Buyer 411The Smart Guide to Buying Your Home is now on the market and is helping consumers buy their home in a more efficient and effective manner.


Home Buyer 411 shows you a new and highly effective way of reaching your goal of successfully purchasing your home.  The blueprint of how to purchase your home the smart way is provided in an enlightening manner that you can not only understandbut is presented in a manner that is designed to get you powerful results!


You can learn how to prepare your mind for a successful home purchase by knowing what to expect from the time that you consider contacting a real estate agent or loan officer to what you need to do after you successfully purchase your home.



What is Inside Home Buyer 411The Smart Guide to Buying Your Home?

Included are an introduction and seven chapters (99 pages in the hardback version) that are designed to take you in a smarter way step by step through the home buying process so that you will avoid the mistakes that all too many home buyers have made in the pastand continue to make.



Preface 1 - 2

Table of contents 3

Introduction 4 -27


1)      Chapter 1 Preparation—the key to your successful home purchase 28


2)      Chapter 2 Why Home Loan Pre-Approval/Pre-Qualification Is So Important 34


3)      Chapter 3 Home Loan Closing Costs—learn how you can avoid over-paying on your home loan 39


4)      Chapter 4  The Steps that You Need to Take to Purchase Your Home (The Complete Home Buying Process) 52


5))     Chapter 5  Environmental Concerns 62


6))     Chapter 6  What You Need to know If You Plan on Purchasing Directly from a Homeowner 72


7))     Chapter  7   The Top 20 Questions To Ask Your Agent & Checklist for Success 78


BONUS CHAPTER   Frequently Asked Questions of Home Buyers 84 


This guide will provide home buyers the ability to get properly prepared on the front end to buy their home in the current market by providing all of the resources that are needed to put them in the best financial position prior to, while and after buying their home.

In the Introduction you will be presented with new trends in the housing industry and an improved awareness of the importance of knowing your credit and tax position if you are to achieve at your highest level while purchasing your home.

Furthermore, you will learn key factors that you must be aware of (including more effective ways of managing your credit) if you are to make your home purchase and ownership period more enjoyable.

Chapter 1 informs you of the preparation that you must have to get ready for your home purchase and make the likelihood of a successful purchase at a fair pricerealistic from the start.


Chapter 1 continues with the preparation that you need to do by providing you a blueprint of how you can use personal financial statements to make your home purchase a more productive one. 

The chapter further prepares you from a financial perspective to know what you need to do to achieve major success so that you can enjoy your next property in a manner where you are in a strong financial position

By mastering the "preparation" that is needed you can put yourself in position to create a plan or blueprint for your future success that will put you in a strong financial position—before and after the purchase of your new home.  



By being able to see your financial future more clearly you will be in a much better position than you were to make decisions that are good for you and your family in all areas of your life!



In Chapter 2 you will learn how to purchase your home properly even if you already have a good job, a large down payment, a properly established emergency fund and you know that your credit is good! 


For those of you who may not be in that position you are shown in clear terms how you can get in position to make your home purchase more rewarding and beneficial for you and your family.



The home loan pre-approval and pre-qualification process will be explained to you in a manner that will allow you to choose the best approach for your intended home purchase.



In Chapter 3  you will learn about home closing costs and how to select the best loan for your particular situation.  It is important that you don't over-pay for your home loan. 


In this chapter you will be provided information on what a loan at a good rate looks like and you will be able to pull out your proposed loan document and immediately determine if you are over-paying for your loan.


In short, after reading this chapter you will be able to select a loan that is best for you and your family!



In Chapter 4 you will learn the steps that you need to take in the home purchase process. 

In Chapter 4 you will learn about the home buying process from beginning to end so that you can have a conceptual overview of the home buying process that all too many consumers fail to get prior to buying their home. 


That overview will give you the confidence that you need and you will then possess the knowledge of how to purchase your home in a manner that will benefit you and your family the mostnot creditors or others who have no real concern for your future.


In Chapter 5 you will learn why it is so important to know what is in the environment in and around the home that you may be considering for purchase.



It is important that you consider the environmental aspect of living when you are in the home buying process even if you are a home buyer because in most communities if you are unaware of environmental concerns in your home and area, that lack of awareness could lead to health concerns for you and your family and possibly create problems down the road when you have to sell that home.



In Chapter 6 you will learn what you need to do if you are purchasing directly from a homeowner without the assistance of a real estate agent

In Chapter 7 you will learn the questions you need to ask real estate agents.  It is important that you realize that you must ask and receive the right answers to questions that you may have when you are interviewing real estate agents to  help you purchase your home. 



In addition, you will be provided with a home buyer checklist to ensure that you take the necessary steps (from start to finish) that will ensure that you successfully purchase your home.



In the BONUS CHAPTER you will be provided with frequently asked questions that many home buyers have asked over the years (along with the answers) so that you can get added insight on the home buying process.



All in all, you get a 99-page guide (hardback version) that will provide you with eye-opening home buying information and advice that you can't find anywhere else, and the content will provide you with what you need to make your home purchase as smooth and stress-free as possible in the current economy.

The hardback version is priced at only $19.95, and you will have the ability to pass it along to others that you are concerned about so that they too can achieve homebuying success, as the information in Home Buyer 411 is timeless.

If you prefer the digital version, you can get that for only $9.95 and put yourself in position for the successful sale of your home in a cost-efficient manner.

In addition, you have the ability to e-mail us if you have any questions about the content that is inside this helpful guide (must not be actively represented by a real estate agent). 

As a result of seeing the devastation that was caused by the recent real estate meltdown and deciding to do something about it in a highly effective way—we decided to create this helpful guide so that you could have an opportunity to purchase your next home in a manner that is truly in your best interest! 


You now have an opportunity to utilize a "powerful guide" that will help mitigate the possibility of another meltdown of the magnitude that irreversibly damaged the housing market in 2008 and beyond.

By purchasing and properly utilizing this inexpensive guide that is based on over 20 years of real world experience (comes with a 60 day no questions asked full refund if you are unsatisfied for any reason)—you now have no excuse for purchasing your home in a manner that does not serve your best long-term interest!



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About This Article:


The above article was written by Thomas (TJ) UnderwoodThomas (TJ) Underwood is a former fee-only financial planner, a former top producing loan processor and is currently a licensed real estate broker in the state of Georgia. 

He is the writer behind The Real Estate & Finance 360 Degrees Series of Books that include The Wealth Increaser, Home Buyer 411 The Smart Guide to Buying Your Home, Home Seller 411 The Smart Guide to Selling Your Home, and  Managing & Improving Your Credit & Finances for this MILLENNIUM.

In addition he is also the writer who created The 3 Step Structured Approach to Managing Your Finances, and CREDIT & FINANCE IMPROVEMENT MADE EASY—NEW GUIDE that you can download right now "(at MIMIMAL cost $3.95)" to learn more about his writing style and how you can achieve "more" success in the current economy.

He is the creator of where he regularly blogs about helping consumers improve their credit, finance and real estate pursuits in an intelligent, consistent and proactive manner. 

He’s always looking for ways to make intelligent finance improvement happen for those who “sincerely desire” success in their future. He was the first financial planner to coin the phrase "financially alert mind"  and he consistently writes in a style that is designed to provide consumers the ability to take control of their lives and achieve great results.

You can contact him from a number of sources but the most direct way is to contact him through the contact us block that can be found at the bottom of this page.  You can also get highly relevant tips on "living your life more abundantly" and link to and possibly earn revenue by logging on to

He is also an IRS registered tax planning professional with over 30 years of tax experience and can be reached at:



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Peachtree City, GA 30269

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Atlanta, GA 30349

404-952-9284 (Direct)

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