#tips to buy a home

[n1et]

I just got a cane and oh my god, my entire body is shaking. It's as if I was standing up for all my life and just sat down. Life changing decision to just go and get one, and it only costed 34 PLN, I could get like a single burger with no sides or drink for that. Solid oak, admittedly about 3cm too long but I'm gonna trim it in a sec.

And I never even had big issues with my legs, just a slight left hip joint problem, nothing painful, 99% of the time I didn't notice it. But I guess it was just overworked and stiff all this time? Even my tension headaches got slightly better.

If you feel like you have ANY issues with your legs just get a cane, or even go to a medical store and try it out for 10 minutes, you don't even have to buy it at first. The investment is so low and the difference is potentially massive.

I can't believe I waited over 4 years to do this.

[true-bean]

I mean sure tipping merch sellers at concert seems crazy but y’all really don’t know what goes into it.

We show up at 11am-1pm, count thousands of shirts (in the heat and sun for outdoor venues). Sort through them all and make them presentable for customers. Then when the venue opens we sell the shirts while also keeping everything stocked. Then at the end of the show we count out any shirts that are left (usually a lot) and then finally head home at 11pm-3am. And on top of this we make less than minimum wage because we make tips.

Like yeah, the conditions shouldn’t be like that and we should get paid wayyy more but we all know that’s never gonna happen

[hella1975]

just think this time tomorrow ill be publicly indecent in a spoons somewhere. i am so strong

[justplaggin]

went to milan last week and brought back some italian little guys :D

[countv0ncunt]

try to get dressed without crying challenge

[luthwhore]

i am buying a house, and (maybe) you can too!

so... you want to buy a house, but you don't make a lot of money and you have no way to save up the recommended 10% recommended downpayment on a mortgage, which means you're basically going to be stuck renting forever, right?

well... actually, maybe not!

this post is going to be very US-centric, so i cannot speak to the homebuying experience in other countries, but if you live in the united states... you might be able to buy a house for much less up front than you might think!

this is gonna get long, but the main things you'll need are:

a credit score in the low- to mid-600s. this can vary by program, but most down payment assistance programs require somewhere between a 620 and 660. (i might make a second post at some point about credit scores bc fixing my credit score was a long and arduous process.)

enough in savings to cover a few up-front expenses. there are a couple of things that the down payment assistance programs won't cover. for me, we ended up having to pay ~$1500 up front total, which - to put it in perspective - is less than the deposit and move-in fees were going to be at most apartments in our area.

that's basically it! if you can do those two things, you might be able to buy a house!

let's talk about the details.

programs vary by state, but most states have down payment assistance programs of one kind or another. there's also a federal USDA loan program which is $0 down as well, but is only available in rural areas.

these programs WILL usually require you to have a certain credit score, usually somewhere in the 600s. (the particular program my housemates and i are using requires a minimum 640, but some require a higher or lower credit score than that.)

usually your first step is speak to a mortgage lender. the mortgage lender i'm working with is only available in the state of tennessee and not all mortgage companies accept all down payment assistance options, so i would research options in your state and then check to see if the programs have a list of preferred lenders and/or loan officers.

this sounds scary, but my loan officer has been a life-saver during this process. generally your loan officer wants to help you succeed, particularly when they know you're a first time home owner. tell your loan officer that you're going to be a first time home owner and you're interested in a $0 down payment program. they can run the numbers and see if you qualify, and if so, how much you can qualify for.

you can have multiple people on the mortgage with you, but everyone on the mortgage has to meet the credit score requirement.

if you do qualify, also talk to your loan officer about how much you can pay per month for a mortgage, too, since this might also impact what price range you're shopping in.

you'll also want a real estate agent. (trust me on this. you want a real estate agent.) my loan officer recommended a real estate agent to me and we quite literally could not have done this without him. your real estate agent does a lot more than just help you find houses to look at. they will also point out things that you might not know to look for and will also help negotiate with the seller for you.

when you talk to your real estate agent, tell them you are using a down payment assistance program and that you will need the seller to cover your closing costs. closing costs, for reference, are a bunch of small expenses that are paid when you officially sign the mortgage. typically both the buyer and the seller have separate closing costs, but it's fairly normal for buyers to ask the seller to pay for their closing costs for them in the current market. your real estate agent can then negotiate for this for you.

if the seller covers your closing costs and you can get approved for down payment assistance, there are only three things you will probably have to pay for out of pocket:

"earnest money." this is a small sum of money you pay to hold the house after the seller accepts your bid. (in our case, we paid $500 for our earnest money.)

the home inspection. our home inspection was also about $500, though the price of this could vary based on where you live.

the home appraisal. for us this was also about $500, though again, this could vary based on where you live.

and that's basically it! obviously talk with your loan officer and real estate agent about the cost of these things bc they might not be the same cost for you as they were for me, but for us, this ended up actually being cheaper than moving into a new apartment!

[champstorymedia]

Fast Track Your Property Sale: Proven Methods for a Speedy Transaction

Introduction Are you looking to sell your property quickly and efficiently? In today’s fast-paced real estate market, time is of the essence when it comes to selling your property. From staging your home to pricing it right, there are proven methods that can help you fast-track your property sale. In this comprehensive guide, we will explore some strategies and tips to ensure a speedy…

[nauticalfools]

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[realtorigneshdave]

Have you ever wondered about the key differences between investing and buying a home? 🏠#RealEstate

Have you ever wondered about the key differences between investing and buying a home? 🏠💰 Keep in mind investment potential, financing strategies, and thorough market research for success!

[monsterkong]

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[bigboybutch]

anyways I’m thinking of getting into whittling

[calciferstims]

guysss I finally got my first chewelry necklace look how cute it is!! it even matches my aesthetic 😌🖤

[moonibinbon]

my roommate just came home and gave me $100??? I’m using it on his shoes

[shawnboday]

What Does The Real Estate Market Look Like Currently?

As we dive into the third quarter of 2023, it’s a perfect moment to reflect on the housing market’s journey so far this year and project what lies ahead. The real estate landscape has been marked by some notable shifts, and understanding these trends can help both homebuyers and sellers make informed decisions in the coming months. The second quarter of the year saw a significant rise in…

[deus-ex-mona]

the miniature council passes a judge(☆)ment

[carcrashcockrash]

auuggghg wauughh im dying from a deadly diseas. its called ate pizza and macdonalds and soy all in one day disease an d symptoms include exploding. u mgiht want to step back brother