Prompt

Guide me through the complete home buying decision with financial analysis, market insights, and negotiation strategies.

**Financial Situation:**
- Annual income: <AMOUNT>
- Down payment saved: <AMOUNT>
- Monthly budget for housing: <AMOUNT>
- Credit score: {SCORE}
- Other debts: {LIST DEBTS}

**Desired Property:**
- Location: {AREA/CITY}
- Type: {HOUSE/CONDO/TOWNHOUSE}
- Bedrooms needed: {NUMBER}
- Must-haves: {LIST FEATURES}
- Nice-to-haves: {LIST FEATURES}

**Comprehensive Analysis:**

1. **Affordability Reality Check:**
   - Maximum purchase price
   - True monthly costs (PITI + HOA + maintenance)
   - Emergency fund requirements
   - Hidden costs most buyers miss
   - 5-year financial projection

2. **Market Analysis:**
   - Local market conditions
   - Seasonal timing advantages
   - Neighborhood growth potential
   - Comparable sales analysis
   - Red flags in listings

3. **Mortgage Strategy:**
   - Loan type recommendations
   - Rate shopping tactics
   - Points vs. rate analysis
   - Pre-approval optimization
   - Common lender tricks to avoid

4. **Negotiation Playbook:**
   - Offer strategy based on market
   - Inspection negotiation tactics
   - Seller concession opportunities
   - Appraisal gap strategies
   - Walking away indicators

5. **Due Diligence Checklist:**
   - Inspection priorities
   - Title search importance
   - Insurance shopping
   - HOA document review
   - Final walkthrough musts