Author: Jamal Amimi

Chapitre 4 : Types de prêts immobiliers, choisissez votre arme Une scène de la vraie vie Deux acheteurs, mêmes revenus. L’un à 6,5 % fixe, l’autre à 5,5 % variable « moins cher ». Trois ans plus tard : 8 % et +400 $/mois pour le second. La différence : comprendre avant de signer. Prêts…

Chapitre 3 : L’apport initial, combien faut-il vraiment ? Une scène de la vraie vie Un jeune homme a épargné 40 000 dollars en quatre ans. Il a demandé à la banque : « Assez pour 350 000 ? » Oui, a dit l’agent. Mais il ignorait les frais de clôture (2-5 %) et la…

Chapter 21: Conclusion, Your Roadmap from Today to the Keys A Scene from Real Life Three years ago, an immigrant family in a cramped rental dreamed of a home. Today their kids play in their own backyard. They followed a month-by-month plan. This book is their plan written down. The Roadmap: 12 Months to Keys…

Chapter 20: Agents and Brokers, Who Really Works for Whom? A Scene from Real Life A buyer thought “her agent” worked for her. He was actually the seller’s listing agent — everything she said reached the seller. She overpaid $15,000 without knowing. Buyer’s Agent vs Listing Agent Listing agent: sells at the highest price for…

Chapter 19: Closing Day, the Full Timeline A Scene from Real Life A family arrived at closing nervous. 100+ pages to sign. On page 40, the mother’s name was misspelled by one letter — 2 hours lost. Then they lacked the cashier’s check nobody told them about. Delayed 3 days. All avoidable. The Timeline: Week…

Chapter 18: Mortgage Rates Explained in Depth A Scene from Real Life Two buyers, 6.5% vs 7.25%, same bank, same week! The 0.75% gap = $150/month = $54,000 over 30 years. Your rate is personal, built from your components. Fixed vs Adjustable 30-year fixed: never changes. ~6-7% in 2026. 15-year fixed: 0.5-0.75% lower but higher…

Chapter 17: Banks vs Credit Unions vs Brokers, Where to Get Your Loan A Scene from Real Life One buyer got 7% from their big bank. A friend got 6.5% from a credit union. A third got 6.375% via a broker who shopped 12 lenders. Same borrower, three prices. The difference: knowing where to look.…

Chapter 16: Septic and Well Water, the Hidden World Under Your Home A Scene from Real Life A family bought a beautiful rural home. Nobody asked about the septic system. Six months later: complete failure, $32,000 replacement. A $500 inspection before buying would have found everything. How a Septic System Works Septic tank: underground concrete…

Chapter 15: Specialized Inspection Deep Dive A Scene from Real Life A family bought after a “clean” general inspection. First winter: black mold behind the walls. Cost: $12,000. A specialized moisture inspection would have caught it. Radon: The Silent Killer Radioactive gas, odorless. Second cause of lung cancer. Test: 48-hour device ($150-250). Above 4.0 =…

Chapter 14: Insurance Deep Dive A Scene from Real Life A storm hit. A tree fell on the roof. The insurer said: “Water damage from external flooding is excluded. You need separate flood insurance.” The bill: $18,000 from their pocket. They had never read the policy. Policy Types HO-3: detached homes (most common). HO-6: condos…