Retire On the House: Using Real Estate To Secure Your Retirement You just spent thousands of dollars to get into your new home. You were able to negotiate a lower price, closing costs and a buy-down on the mortgage from the homeowner, who at this point is more than willing to hand over thousands of dollars to you to convince you to buy his house. Then — against all the common sense that I can understand — you don’t ask them to lay down $300 - $500 to put up a home warranty that’s going to protect all your appliances, heating/air conditioning, plumbing, electrical, garage door opener, door bell, sump pump, well pump, swimming pool or spa, or washer/dryer.

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