Overly Chatty Penguins

The Ready Room => Off Topic => Topic started by: Bryan on June 15, 2005, 12:48:05 PM

Title: im scared.
Post by: Bryan on June 15, 2005, 12:48:05 PM

so ok, im doing ok in my life and its time for me to buy a house. Cant stay with the rents forever right. I think I've found the house I want I think i can afford it. I'm pre approved for 110 thousand.... and now im compleatly wired.  I still have to make sure i can get the house I want. I have to talk to the builder today and see if thay will give me what i want and I have to talk to another loan officer and see if i can get a better deal. I have allways listend to people tell me how stressful home buying is but....ARG!!!! If only I had known... well I might have a house in a few months.... maybe not...


Bryan

Title: im scared.
Post by: 2_of_8 on June 15, 2005, 01:08:54 PM

Good luck :) You, like many others, will probably need it.
I think.

Title: im scared.
Post by: GrayDuck on June 15, 2005, 02:24:00 PM

if you have a steady job, and good credit, getting a loan won't be a problem.

Talking to a builder 'eh?  Are you set on building a new house or are you going to look at the market first?  I've been through it - my biggest obstical was the people who were living in the house I bought - they were very uncooperative to say the least.  I think usually the process goes smoother than it did for us just because of them being morons.

Anyways... any questions, ask away.  Good luck :)

Title: im scared.
Post by: Asal on June 15, 2005, 02:30:31 PM

Good luck, and may you find a happy home :D

Title: im scared.
Post by: Diablus on June 15, 2005, 06:10:06 PM

Have fun with those millions of papers you have to sign :p

Title: im scared.
Post by: Bryan on June 15, 2005, 07:44:36 PM

thank you all. I keep changing my mind and my bill keeps getting bigger but, I think im getting close.


Bryan

Title: im scared.
Post by: Jefe on June 15, 2005, 08:07:40 PM

Good luck Bryan




Bryan

Title: im scared.
Post by: LowCrawler on June 15, 2005, 09:18:25 PM

i take it you live in the city... i was amazed... i was watching a tv show where there was a house that cost half a mil. and it was just a 2 bedroom 1 bath house.

i live in a 4 bedroom, 1 1/2 bath house with a great  big addition that we bought for less than 60k, because we live in a town with 22k people.


big cities suck. suburbia isnt any better.

Title: im scared.
Post by: SgtFury on June 16, 2005, 01:23:57 AM

Good Luck Bryan, it is stressful but theres nothing like that feeling when you get given the keys and the realisation sinks in.... **** this is mine!!!!


 :D

Title: im scared.
Post by: aeroripper on June 16, 2005, 01:58:11 AM

God i would kill to have a my own house.  I'm so tired of living in apartments.

Title: im scared.
Post by: Goldy on June 16, 2005, 06:43:03 AM

Quote

God i would kill to have a my own house.

[snapback]50948[/snapback]

I can arrange that. I will PM you with information about the target.

As for you Bryan... good luck!

Title: im scared.
Post by: Bryan on June 16, 2005, 11:38:31 AM

http://www.choice-homes.com/vrTours/floor_...&sdid=181&p1=17 (http://www.choice-homes.com/vrTours/floor_plansVR.asp?PID=4368&PlanName=1610&sdid=181&p1=17)

the yummy floor plan.

 I'm going to out my hold money down on the lot this weekend. and on monday I'll finish the loan paperwork. 3 to 4 weeks later that might start building my house. which will give me some time to look around. if the economy holds and I keep my job all will be well. thanks for the luck I WILL need it.

Bryan


LowCrawler,
  I live in the area around DFW the same house close to where i live now is 130 or more on a smaller lot. 15 miles out. it is 20 thousand cheaper, with cheaper insurance and taxes.

aeroripper,
  don't let goldy talk you in to makeing me the "target".

Title: im scared.
Post by: Malevolent on June 16, 2005, 01:30:56 PM

Your house looks quite nice, Bryan.

Title: im scared.
Post by: aeroripper on June 16, 2005, 01:46:08 PM

I just don't have the money to buy a house is the problem :-P  unsteady jobs

Title: im scared.
Post by: Bryan on June 16, 2005, 02:00:55 PM

Sorry my mistake wrong plan.

http://www.choice-homes.com/vrTours/floor_...&sdid=272&p1=17 (http://www.choice-homes.com/vrTours/floor_plansVR.asp?PID=8798&PlanName=1610&sdid=272&p1=17)

after seeing the first plan in real life i decided it was to cramped and full of wasted space. this plan is juat a touch bigger and mutch better layout. and its only 2 thousand more.


Bryan

Title: im scared.
Post by: Niteowl on June 16, 2005, 03:26:33 PM

Finally! A topic I can sink my beak into!

First off, HOLY CRAP 110k for a HOUSE?!? You can't even buy a studio apt for that where I live (stupidly expensive vancouver). That's just awesome!!

Secondly, if they have credit unions where you are, I highly recommend you go there for your needs, as I found them most helpful and easy going.

Thirdly! Are you using a mortgage broker to get a rate? It'll save you time and money!

Fourth, I hope you are going for the fixed rate mortgage, 30 years at fixed rate not seen by our parents is amaaaaaazing. Here in canada the longest you can go is 10 years, most ppl go 5 or 7. Can you imagine having to plan your life on that uncertainty? GAH!

Fifthly (I can't stop this numbering), CONGRATS!

Title: im scared.
Post by: Bryan on June 16, 2005, 04:13:54 PM

Thanks Niteowl,

First. its a lot of money for me.

Second. my credit union does not have the best rate. it was eazy thow.

Third. im calling a  mortgage broker tomarrow.

Forth. definatly a 30 year fixed rate. it intrest rate here is less than 6% (5.5 to 5.8 for me) and it is sceduled to rize to 8%!!!! with in months.

Fifthly. thanks agian.



Bryan

Title: im scared.
Post by: Niteowl on June 16, 2005, 04:27:23 PM

Quote

First. its a lot of money for me.

[snapback]50999[/snapback]

Yeah, I totally understand, housing prices have everything to do with how much the companies are willing to pay you around there. Like, in Silicon Valley, you automatically make a ton more, for the same job, but then bungalows start at 500k :S

Title: im scared.
Post by: Bryan on June 24, 2005, 07:48:43 AM

well today im a quarter of a century old....and tomarrow I sign on the house... three months or so from now......i'll be in my shiney new house...


Bryan

Title: im scared.
Post by: Asurada on June 24, 2005, 08:15:22 AM

looks like a great house. Thats one big kitchen!

Title: im scared.
Post by: LowCrawler on June 24, 2005, 12:09:22 PM

i hope those doors open inward over by bedroom 2, 3 and that bathroom right next to the entry.... get 2 or 3 people trying to come in and out of rooms/the house at the same time and youve got some door issues :p

Title: im scared.
Post by: Guenhwyvar on June 24, 2005, 02:36:29 PM

Well first off congrats on the shiny new house.  110K is a crazy cheap when compared to some places such as Silicon Valley.  Nothing beats the new house experience, unless you are into fixer-uppers.  

That said, expect small delays.  It may take a little closer to four months unless this builder is just slapping them together with a cookie cutter and he is very efficient.

My current house ended up taking 2 months longer than anticpated to complete, but I'm a happy camper in it.  :)

Title: im scared.
Post by: Bryan on June 24, 2005, 02:42:37 PM

...and no one picked up on the part about it being my birthday today...  :( .

Asurada....yes it is big  :D

LowCrawler........I think they open in ward.......not that it matters It only me.

Guenhwyvar......its a good price I just had to go 30 miles out of the DWF area to get it for said price. So long as I get my intrest rate locked in im in no hurry.

Bryan

Title: im scared.
Post by: Goldy on June 25, 2005, 08:47:38 AM

Bryan, I woulda picked up on it but I stopped reading some of these threads. Anyway I think we have to wait at least a year to get our birthdays recognized. :p