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tmj302
Tmj302  (Level: 53.5 - Posts: 129)
Tue, 11th Jul '06 4:30 PM

GOOD NEWS ANNOUNCEMENT!

Just got some news I had to share with someone!
I'm sure no one else will be quite as excited/scared/sick to the stomach as we are, but we were just approved for a new home loan , and will go look at houses on Thursday!

this will be the first home for us, and every part of this process is new and freakin me out!

Any advice? We have an excellent realtor, our neighbor - who has been so sweet and will be there for every step - she set up the finance opportunity with another exceptional lady. They are both more excited for us than I am right now!

I keep thinking there will be some bad news coming through all this...I'm trying to keep from expecting too much.

Any good experiences/bad experiences?
Anything to calm my nerves would help!


flybybethy
Flybybethy  (Level: 136.6 - Posts: 155)
Tue, 11th Jul '06 4:36 PM

I have no experience, thus no advice, but I just wanted to say congratulations! I hope everything works out for you!
Bethany

kaufman
Kaufman  (Level: 257.2 - Posts: 3936)
Tue, 11th Jul '06 4:38 PM

You're going to have to live there. My advice: Make a list of things that are really important to in the house you get. We had a list of about ten things, and theis place was good on eight or nine of them. No regrets here.

bigbird
Bigbird  (Level: 239.8 - Posts: 3302)
Tue, 11th Jul '06 4:58 PM

Don't jump at the first place that you see that you think you could live in. There are always others, and the experience of looking at various places will teach you a lot.

Good luck! And congrats! Alice

magnolia1
Magnolia1  (Level: 74.5 - Posts: 147)
Tue, 11th Jul '06 5:21 PM

Home is where the heart is,so happy for both of you,take your time and pick where you feel most at home even if it,s new,congrats,sounds like your starting out with the best , good neighbours......good luck and god bless.....magnolia1

sargon
Sargon  (Level: 112.0 - Posts: 1256)
Tue, 11th Jul '06 6:24 PM

Good schools are a sign of a good neighborhood.

suzer22
Suzer22  (Level: 165.6 - Posts: 1982)
Tue, 11th Jul '06 11:15 PM

I always found the house first and then prayed for the loan to be approved. They always approved more than I thought I could handle, but 'they' were always right! I have bought two houses and been very happy with both...and no regrets about taking on the debt!

Happy Hunting!

eesusbejesus
Eesusbejesus  (Level: 75.0 - Posts: 3645)
Wed, 12th Jul '06 1:22 AM

My advice is don't settle on a house that isn't quite what you want, just because you are excited and ready to buy one. If its not the one you want, just wait, and one will come along. You will be sick to your stomach if you jump into a house just because it was there and then the following month, the house of your dreams becomes available. Wait until you gut instincts say that this is the one.

We almost bought a house that was too small, needed too much work, was ugly, but was available right away and we were desperate to get out of our rental. Luckily, we held off and in a month, we found ourselves buying a home with barns & acreage. When I'm sitting outside watching the deer on the hill or walk out to pet the horses, or my children are playing in the creek, I shudder to think about the little crappy place we almost bought, sandwiched in between other crappy places, just so we could have our own home.

So be patient and then be even more patient.

Congratulations & good luck.

Lodi

tmj302
Tmj302  (Level: 53.5 - Posts: 129)
Wed, 12th Jul '06 2:28 AM

Thanks guys for the kudos and advice.
I'm hoping to find one with a decent kitchen - I can't stand the tiny galley kitchens that seem to be in every house now. I hope I don't wear out my poor neighbor/realtor since I'm picky on a few things!

tmj302
Tmj302  (Level: 53.5 - Posts: 129)
Fri, 14th Jul '06 3:43 PM

We put in a bid on a house!!!!

margiematt
Margiematt  (Level: 194.6 - Posts: 388)
Fri, 14th Jul '06 4:03 PM

Good Luck!!!

blaney
Blaney  (Level: 77.1 - Posts: 48)
Sat, 15th Jul '06 11:13 AM

I bought my house about six months ago. I told the realtor my list of things that I really wanted. All appliances, pool, 4 bedrooms, fireplace, in the school district I wanted, etc. All for less than $335,000. The realtor said it would never happen. She was right, I didn't get my fireplace.

My advice to you - wait until you find exactly what you want or very close. I did and I'm thrilled!

surreyman
Surreyman  (Level: 261.3 - Posts: 2770)
Sat, 15th Jul '06 11:47 AM

Gawd - you'd be lucky to get that for the same number of pounds in the UK!

phitzy1
Phitzy1  (Level: 66.4 - Posts: 873)
Sat, 15th Jul '06 12:24 PM

When you're looking don't forget to check the water (pressure, hot & cold) the Heat/Air Conditioning, roof, plumbing, whatever you tink could go wrong. Even if it looks like a Diamond, It may still be a piece of glass!

And remember...most states DO NOT LICENSE HOME INSPECTORS! Just any guy (or chick) could say "I'm a licensed home inspector" so check with your realtor to see if A) licensing exists in your state and B) if not to see who has experience in checking out a house before you buy it.

One more thing! Have fun! this is a big decision and you'll be there for a while...

surreyman
Surreyman  (Level: 261.3 - Posts: 2770)
Sat, 15th Jul '06 12:56 PM

Do you not have the equivalent of Chartered Surveyors in the US?

mightydog
Mightydog  (Level: 110.0 - Posts: 29)
Sat, 15th Jul '06 8:23 PM

just remember that all or most realtors represent the seller not the buyer!! You must ask them if they will represent you! They are legally responsible to get the best deal for the seller not the buyer, unless you contract with them to represent you..

geophile
Geophile  (Level: 159.7 - Posts: 1521)
Sun, 16th Jul '06 2:38 AM

Just remember, a house is a money-sucking pit. Our landscaping takes 950 gallons of water a day, due to a large slope we are required to maintain. You will be making more trips to Home Depot than you ever did to your dearest relatives...just count on extra cash every month to cover all the things that inexplicably fall apart in your hands. I don't think I am pessimistic...just realistic. Good luck!


surreyman
Surreyman  (Level: 261.3 - Posts: 2770)
Sun, 16th Jul '06 6:33 AM

Yep. Just got told yesterday we need 2,500, instant, for a new central heating boiler! I can think of a few more interesting ways in which we could have spent that! .........

skagitmla
Skagitmla  (Level: 96.1 - Posts: 28)
Sun, 16th Jul '06 8:00 AM

--Plan on spending 1% of your home's value per year on general maintenance.
--If offered, get that home warranty for the first year.
--Don't spend all that you are pre-approved for; we were able to refinance to a 15-year loan after the first 1.5 years (not for everyone, but I sure feel like I'm making an impact each month). An alternative is to make an extra mortgage payment each year.
--Congrats on this exciting process!

tmj302
Tmj302  (Level: 53.5 - Posts: 129)
Sun, 16th Jul '06 1:05 PM

Thankfully, our realtor is a lovely person. This particular home was a foreclosure, and currently owned by the govt....they had an inspection sheet with their inspector's details, and the only "damage" to the home is a bit of siding and an eave...they have alloted an amount of money to be spent on those repairs.
Thankfully, we also have family friends who are plumbers, electricians, and the family is in construction, si I'm not worried about the condition of all the details.
It actually looks great - there are no water spots on ceilings, no interior damage..other than the hideous paint colors the people used!!!

It is 1500 sq. ft., 3 bed 2 bath, finished basement with 2 rooms, drive-under 2 car garage, attached screened in porch, huge deck with above-ground pool, grapevines on property, fruit trees, landscaped yard, beautiful river-rock fireplace, hardwood floors, separate laundry room, vaulted ceilings...

It is the neighborhood we wanted, so i won't have to change what school my girl is enrolled for, it's near enough to the grandma for babysitting purposes, and the landscaping is so that we really can't see the neighbors..

It was the last out of 6 that we looked at, so now we just wait for the details..

Thanks all - for the advice..

twinboymom2001
Twinboymom2001  (Level: 67.0 - Posts: 197)
Sun, 16th Jul '06 9:15 PM

Good luck!! Buying a new home is so exciting. It looks like you have great advice and are in good hands. My husband and I built our 1st real house (we were the contractors and actually built 80% of the house ourselves), so I don't have much advice on buying a home already built. Good luck and keep us updated!

tmj302
Tmj302  (Level: 53.5 - Posts: 129)
Mon, 17th Jul '06 11:03 AM

We got the house!! Now comes the paperwork and suffering through the 30 days for closing!!
Now I'll just have to obsess over what paint colors to choose...

surreyman
Surreyman  (Level: 261.3 - Posts: 2770)
Mon, 17th Jul '06 12:47 PM

Wow - our last house buy took 9 months from 'Yes'!

phitzy1
Phitzy1  (Level: 66.4 - Posts: 873)
Mon, 17th Jul '06 12:50 PM

Congrats!!!


Have fun and don't forget about those little trial paints. I've gone through several trying to pick an exterior color! Gotta Love 'em!


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