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Anyone got tips for buying first house?
| brilliant multi-colored karate | 11/22/17 |
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Poast new message in this thread
Date: November 22nd, 2017 5:30 PM Author: brilliant multi-colored karate (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751264) |
Date: November 22nd, 2017 5:30 PM Author: Frisky Angry Piazza Ceo redfin (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751266) |
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Date: November 22nd, 2017 5:32 PM Author: brilliant multi-colored karate Ty (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751292) |
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Date: November 22nd, 2017 5:36 PM Author: Light keepsake machete spot get an inspection (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751319) |
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Date: November 22nd, 2017 5:54 PM Author: Bossy Menage With a contractor, not some shithead friend of the realtor who charges $350 to make sure that there are batteries in the smoke detectors that he can easily reach. (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751426) |
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Date: November 22nd, 2017 6:56 PM Author: Laughsome zombie-like mad cow disease And do not rely on the inspection to the exclusion of your own personal detailed inspection. (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751962) |
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Date: November 22nd, 2017 5:36 PM Author: Clear trip house https://www.nytimes.com/guides/realestate/how-to-buy-a-house (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751320) |
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Date: November 22nd, 2017 5:50 PM Author: Floppy stag film have rich parents (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751409) |
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Date: November 22nd, 2017 5:51 PM Author: brilliant multi-colored karate 30k from daddy (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751415) |
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Date: November 22nd, 2017 5:55 PM Author: Talented mauve preventive strike casino 20 percent down payment is flame if you have good credit. I did 5 and they offered a 1.35 percent lump sum to waive PMI, freeing up a bunch of cash for updates.
Home inspectors are absolutely vital but most of them are rancid TTTs. Spend extra time to find the good ones.
I bought a 101 year old colonial style house and have been chipping away at renovations for the last year and a half, just finished a two month complete gutjob and rebuild on a kitchen, so I’ll answer Qs if you want |
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Date: November 22nd, 2017 5:58 PM Author: Aromatic avocado water buffalo alpha Can you explain how you waived PMI?
We’re trying to save ~200k for a down payment and it’s taking a minute. |
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Date: November 22nd, 2017 6:01 PM Author: Talented mauve preventive strike casino If you have good enough credit (750 plus, 800 preferred) and a solid mortgage broker, the lender will sometimes offer a lump sum payment to waive the PMI. Mine was 1.35 percent of the total property value. That meant I only had to put the minimum down (5 percent) plus the lump sum, then got the same benefit as a full 20 down.
It’s discretionary by the lender and not guaranteed but it frees up a lot of cash. I didn’t even get a higher interest rate, so there was literally 0 benefit to saving up 20 percent. |
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Date: November 22nd, 2017 6:02 PM Author: brilliant multi-colored karate How'd you find the broker? (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751484) |
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Date: November 22nd, 2017 6:03 PM Author: Talented mauve preventive strike casino Recommendations and vetting. Smart home buying is very much a process of “measure many times but cut once.” Take your time. (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751501) |
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Date: November 22nd, 2017 6:03 PM Author: Provocative red range (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751505) |
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Date: November 22nd, 2017 6:03 PM Author: brilliant multi-colored karate Alright. Lease is up April 1. Do I have time to do this properly or should I wait a year? (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751506) |
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Date: November 22nd, 2017 6:08 PM Author: Talented mauve preventive strike casino I started looking for a house January 1 of last year, and closed this house in May. I think you’re fine but do not under any circumstances set a deadline for yourself. If you have to extend the lease because the right deal isn’t in front of you, you should extend.
I’m in a rapidly rising but still very TTT oil flyover market but the competition was still insane for my house because of the location. There were like 30 offers by the weekend after it went on the market on a Wednesday, and I got mine in and accepted first. I toured over 30 homes before I settled on this one.
No deadlines. Be patient. |
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Date: November 22nd, 2017 6:09 PM Author: brilliant multi-colored karate Gotcha cr. Ty (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751550) |
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Date: November 22nd, 2017 6:05 PM Author: Insecure lodge this isn't true in all markets. in hot markets you gotta be ready to jump in without dithering around too long or good places will already be gone (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751522) |
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Date: November 22nd, 2017 6:10 PM Author: Talented mauve preventive strike casino lol wut (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751563) |
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Date: November 22nd, 2017 6:06 PM Author: Aromatic avocado water buffalo alpha Interesting ty. We will consider doing this once we’ve saved the full 20 instead of running out and buying a house today (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751529) |
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Date: November 22nd, 2017 6:09 PM Author: Talented mauve preventive strike casino I had like 15 saved so the remainder went to updates which was 180 as fuck (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751556) |
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Date: November 22nd, 2017 6:12 PM Author: Federal peach death wish filthpig I'm not so sure 1.35% is a good deal.
You can make a lot of PMI payments for several thousand dollars. |
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Date: November 22nd, 2017 6:13 PM Author: Talented mauve preventive strike casino That’s true, but I’m not moving for enough years to make it worth it, and I earn my money very unevenly so lower monthly payments help my budgeting (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751598) |
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Date: November 22nd, 2017 6:59 PM Author: Laughsome zombie-like mad cow disease Yeah, the ROI isn't necessarily hot. You spend 1.35% to reduce your down payment by 15% at most. (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751990) |
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Date: November 22nd, 2017 5:58 PM Author: painfully honest giraffe corner (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751459) |
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Date: November 22nd, 2017 5:59 PM Author: brilliant multi-colored karate I'm listening brother (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751461) |
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Date: November 22nd, 2017 6:03 PM Author: painfully honest giraffe corner (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751500) |
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Date: November 22nd, 2017 6:04 PM Author: Talented mauve preventive strike casino I am inclined to agree with this assessment. The juice will run out and it will pay to be patient and have a cash warchest (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751512) |
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Date: November 22nd, 2017 6:03 PM Author: Insecure lodge be honest with urself about ur ability and willingness to do updates.
are you in an area where certain natural disasters might occur? GIS mapping can show you if you're in a floodplain (100 year flood, 500 year flood).
look around for protips on all the shit that is NOT covered by normal homeowners insurance (i.e., basement flooding) |
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Date: November 22nd, 2017 6:04 PM Author: curious french chef theater ensure mortgage payment well within your means (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751508) |
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Date: November 22nd, 2017 6:07 PM Author: painfully honest giraffe corner (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751532) |
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Date: November 22nd, 2017 6:19 PM Author: Irradiated Slate Bawdyhouse Lettuce This x 1000
Our mortgage payment is about 15% of our monthly after tax income which feels about right |
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Date: November 22nd, 2017 6:54 PM Author: Talented mauve preventive strike casino Mine is 2.5 percent. Even better (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751948) |
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Date: November 22nd, 2017 7:01 PM Author: fragrant hall toilet seat Mine is 33% (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34752008) |
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Date: November 22nd, 2017 6:25 PM Author: Misunderstood national Wait till the absolute peak of the market so you enrich your boomer overlords. Plus you’ll get the added benefit of being upside down in a couple years. (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751714) |
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Date: November 22nd, 2017 6:27 PM Author: canary histrionic boltzmann gas station (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751734) |
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Date: November 22nd, 2017 6:28 PM Author: Lilac bateful brethren idea he suggested buy during the winter (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751739) |
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Date: November 22nd, 2017 7:01 PM Author: fragrant hall toilet seat Because of less competition? (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34752016) |
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Date: November 22nd, 2017 7:10 PM Author: Laughsome zombie-like mad cow disease The most important things are foundation, roof, and air conditioner units as they are the most expensive to fix if something goes wrong (and can't be ignored). Look for value on a structurally sound house with a dated interior (and remember if you're going to remodel anyway, it doesn't matter if a room started out as a 2/10 or a 6/10). I bought a house that had been languishing because it had poor landscaping/curb appeal for how expensive it was . . . fixing that is pretty easy and can have a good return.
Also, don't have a buyer agent, and be insistent that buyers agent commission is contributed to your closing costs. The sellers agent will fume about this but you have the power. |
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Date: November 22nd, 2017 7:10 PM Author: Razzle cheese-eating mediation theatre negotiate your mortgage rate with more than one bank at a time. it's a huge hassle, because they make you send a fuckton of paperwork, but i got around 50bps knocked off my mortgage by continually asking one to beat the other to earn my business.
mortgage brokers are for people with shitty credit, best rates for someone with good credit will almost always come directly from the lender.
depending on the size of your mortgage, a 1/8% difference could be tens of thousands of dollars over the life of your mortgage. |
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Date: November 22nd, 2017 7:15 PM Author: outnumbered sandwich if buying new build find out exactly what is included in quoted purchase price. (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34752133) |
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Date: November 22nd, 2017 7:31 PM Author: hilarious locale community account Don’t do it. (http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34752271) |