Anyone got tips for buying first house?
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Date: November 22nd, 2017 5:55 PM Author: slimy area
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
(http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751437) |
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Date: November 22nd, 2017 6:08 PM Author: slimy area
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.
(http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751540) |
Date: November 22nd, 2017 6:03 PM Author: 180 toilet seat boltzmann
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)
(http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34751504) |
Date: November 22nd, 2017 7:10 PM Author: Free-loading Khaki Genital Piercing
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.
(http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34752085) |
Date: November 22nd, 2017 7:10 PM Author: slate pistol
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.
(http://www.autoadmit.com/thread.php?thread_id=3806171&forum_id=2#34752091) |
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