Home buying thread
- Thread starter Tuco
- Start date
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Guest, it's time once again for the massively important and exciting FoH Asshat Tournament!
Go here and give us your nominations!Who's been the biggest Asshat in the last year? Give us your worst ones!
Dis
Confirmed Male
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Thats like in the Highway 6 / 529 area? Thats where we are living right now (apartment). There should be plenty along Barker Cypress from West to 529 that should fit in the 90k range with good schools and neighborhoods. Not to mention that is really close to where we are building.Hatorade said:
Ryoz
<Donor>
- 846
- 194
Technically a realtor is someone certified by the national association of realtors... I"m guilty of using realtor and real estate agent interchangeably, which is incorrect. If the seller has an agent/realtor, they are working for the seller, not you. We didn"t use a buyer"s agent, but I wouldn"t suggest that for everyone. We knew the sellers personally, so it was a little different.
Hatorade
A nice asshole.
- 8,542
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Well we know after it is all said and done it going to be at about 900-970 a month. We are trying to find a way to get it lower than that, we will know more tomorrow after we meet with the lender.Dis said:
If she takes a % off what does that mean? Cheaper house?
Cutlery
Kill All the White People
- 7,050
- 21,180
Don"t have shit to do with credit, everything to do with income. Wife"s got some shit credit and mine is a lot fucking lower than I want now thanks to a medical bill that I never saw and my insurance never paid going to collections. We still got approved for 250, and got 5.5% interest.Hatorade said:
Also, I"m pretty sure lenders don"t do 0 down loans anymore. Minimum we could do was 3.5% FHA. If they do, I"d be hesitant, because that"s the shit that started this whole recession. Oh, and if you want 970 a month, it won"t be anywhere near 230k. My 240k loan is 13xx for P & I, to say nothing of taxes, insurance.
Dis
Confirmed Male
- 748
- 45
Basically what she is doing with us. We bought our house for 243000, so 1% comes out to $2430. She takes the standard 3% and writes us a check for the 1%.Hatorade said:
Edit: you are probably looking at a 90k-100k. My first house was 160k our house payment was 1450 included escrow for taxes, PMI and insurance.
Hatorade
A nice asshole.
- 8,542
- 7,357
Saw five today, liked one but kitchen was small. Easy fix if you tear down a wall put in a bar and new counter space move pantry to where stove is now and move stove to new counter area. 96k about 830 a month after all said and done, not bad for first day out.
Looking at the FHA loan over the VA loan because it will basically be the same price right now due to how the market is, 20 years from now VA loan may be the better option.
Looking to remove the wall where the red is, that parts going into the living room and dining room which is huge. Anyone ever do something like that, know what is will cost? Thinking about 4k tops with a cheaper counter top, looking at stainless steel though or whatever pro kitchen have. Stove in middle on a 45 with counter space on each side.
Looking at the FHA loan over the VA loan because it will basically be the same price right now due to how the market is, 20 years from now VA loan may be the better option.
Looking to remove the wall where the red is, that parts going into the living room and dining room which is huge. Anyone ever do something like that, know what is will cost? Thinking about 4k tops with a cheaper counter top, looking at stainless steel though or whatever pro kitchen have. Stove in middle on a 45 with counter space on each side.
Well we finally finished all the paperwork etc.
We now are the proud owners of this bad boy.
http://img.photobucket.com/albums/v1...g/IMG_0006.jpg
Not resizing since I feel it deserves the fullness.
2700 sqft.
$430k all said and done. Used VA loan.
We now are the proud owners of this bad boy.
http://img.photobucket.com/albums/v1...g/IMG_0006.jpg
Not resizing since I feel it deserves the fullness.
2700 sqft.
$430k all said and done. Used VA loan.
Isn"t that stupid on her part? The 3% will come out as income on her taxes even though she"s only getting 2%. Can she write down the 1% as an expense when she does her taxes?Dis said: