{ "item_title" : "Your Key to Home", "item_author" : [" Justin McCurdy "], "item_description" : "Are you a first-time homebuyer wondering if homeownership is really within reach for you? It is-and this guide will show you exactly how to get there.Feeling Overwhelmed by the Home Buying Process?Are you confused by credit scores, debt-to-income ratios, and down payment requirements?Have mortgage options like FHA loans, VA loans, USDA loans, and conventional loans left your head spinning?Do terms like preapproval, closing costs, escrow, and home inspection make buying a house feel intimidating?You're not alone.Justin McCurdy has spent nearly three decades in construction, mortgage lending, real estate, and smart home technology. He has helped hundreds of families navigate the home buying process-from purchase to renovation to maintenance-and he has personally rebuilt his own credit score twice, climbing from the low range into the 800s. Now, he's sharing a clear, practical, step-by-step home buying guide built specifically for hardworking families who need real answers-not jargon, pressure, or sales tactics.A Complete Roadmap to HomeownershipYour Key to Home: A Complete Guide from Dream to Doorstep and Beyond walks you through: Building your financial foundationImproving your credit scoreLowering your debt-to-income ratioSaving for your down paymentUnderstanding loan estimates and mortgage optionsPreparing for closing day with confidenceYou'll learn how to compare new construction vs. resale homes, work confidently with a real estate agent after the 2024 NAR settlement changes, and calculate the true cost of homeownership-including property taxes, homeowners insurance, HOA fees, and more.And while most guides stop at home buying, Justin goes above and beyond, teaching you how to: Renovate smarter, not harder - Focus on upgrades that actually add valueUpgrade on a budget - High-impact improvements without overspendingAvoid contractor nightmares - Hire and manage with confidencePrevent costly repairs - Simple maintenance systems that save thousandsLower bills, increase comfort - Energy efficiency and smart home strategiesIf you've ever wondered how to qualify for a mortgage even if you've been told no before, what lenders look for during underwriting and preapproval, how to build home equity and create long-term generational wealth, or how to implement home maintenance systems that protect your investment for years to come, this is the guide you need. Your Key to Home is more than a real estate book. It's a practical roadmap to stable homeownership, financial confidence, and building equity instead of paying rent.Buy Your Key to Home today and take the first confident step toward owning your home and securing your family's future.", "item_img_path" : "https://covers3.booksamillion.com/covers/bam/9/79/899/486/9798994864210_b.jpg", "price_data" : { "retail_price" : "19.99", "online_price" : "19.99", "our_price" : "19.99", "club_price" : "19.99", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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