Good luck! Remember you can pretty much come up with any excuse to get out of a offer. You just have to come up with an excuse like the inspection or something..
Went back and forth until we settled on the amount that was their minimum and our maximum. Stressful, but worth it. Everything is signed on our end - now we wait for them to sign the contract, and we proceed with throwing all the fucking money ever at things.
But why you gotta shit next to the laundry machine?
I was also not a huge fan of laundry in the shitter, but there are two, so I can deal. We could also possibly look at putting them in the basement, which would make that bathroom less claustrophobic.
But why you gotta shit next to the laundry machine?
I was also not a huge fan of laundry in the shitter, but there are two, so I can deal. We could also possibly look at putting them in the basement, which would make that bathroom less claustrophobic.
While a good plan in theory, as someone who had to deal with the washer and dryer in the basement, having to carry a laundry basket up and down stairs can be a pain in the ass.
Yay, it's ok to freak out. Home buying is crazy stressful. Especially when you think about that giant debt you will be taking on. All the fun expenses you have to take care of and no landlord to fall back on. What if the house is a money hole? So many questions start running through your mind. And than there is the like 50 different pages you have to sign that have a bunch of lawyer munbo jumbo and the fat fees and down-payment.
But at least not all your money is now disappearing into rent, now it goes to the banks, restate taxes and insurance! Also now you could vote at the founding of our country and you have land that you have Dominion over :-p
Yeah, rent vs mortgage payment was a big deciding factor. We're paying $1050 a month right now and shit isn't getting fixed (or it's getting fixed shoddily). We could be paying $1500 a month for MUCH more space, acquiring equity, and being able to pay for our own repairs.
...and you have land that you have Dominion over :-p
No HOA, right???
Nah. It's zoned Rural Residential & Agricultural. The houses are too far apart for anyone to bother with a HOA. Plus, I've checked into the zoning to make sure we can have fencing and gardens and chickens and goats.
We might consider hosting New Years this year, depending on what happens... unless someone else is particularly inclined to hop into the rotation. Then you can play with the ovens.
Keep venting. We weren't joking that this is the most stressful process of your entire life.
Now that you have a signed contract, your loan officer has moved your mortgage file to the absolute bottom of the stack, only to be looked at again when it is "oh shit, that guy's closing is in a few days isn't it?" Then they will see how many hoops they can get you to jump through.
The mortgage math is driving me insane, but apparently we can card things that I didn't think we could card. And since we've got 0% APR for the next 12 months, we basically have a giant bucket of cash that we didn't think we had before.
Confirming all of this with the bank, of course, to make sure it wouldn't crush my debt ratios - but my math says it won't.
And if that does indeed all work out, financing this thing just became trivial.
Thankfully, we don't really need to do anything to the house, and I have a large network of friends who owe me big time for helping them move over the years.
Comments
http://www.zillow.com/homes/302-Closson-Rd,-Glenville,-NY-12302_rb/?fromHomePage=true&shouldFireSellPageImplicitClaimGA=false&fromHomePageTab=buy
Went back and forth until we settled on the amount that was their minimum and our maximum. Stressful, but worth it. Everything is signed on our end - now we wait for them to sign the contract, and we proceed with throwing all the fucking money ever at things.
But why you gotta shit next to the laundry machine?
Holy shit you guys.
But at least not all your money is now disappearing into rent, now it goes to the banks, restate taxes and insurance! Also now you could vote at the founding of our country and you have land that you have Dominion over :-p
That's a hell of a party.
...
Fuck.
Now that you have a signed contract, your loan officer has moved your mortgage file to the absolute bottom of the stack, only to be looked at again when it is "oh shit, that guy's closing is in a few days isn't it?" Then they will see how many hoops they can get you to jump through.
May the inspection results be in your favor!
Confirming all of this with the bank, of course, to make sure it wouldn't crush my debt ratios - but my math says it won't.
And if that does indeed all work out, financing this thing just became trivial.
Hint hint.
Reading it now, I'm like, "Oh. This just makes sense."
All credit goes to beer.