Author Topic: im scared.  (Read 2987 times)

June 15, 2005, 12:48:05 PM
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Bryan

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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
1987 Keller, Tx spelling bee champ.

June 15, 2005, 01:08:54 PM
Reply #1

2_of_8

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Good luck :) You, like many others, will probably need it.
I think.
Where lipstick is concerned, the important thing is not color, but to accept God's final word on where your lips end. - Jerry Seinfeld

June 15, 2005, 02:24:00 PM
Reply #2

GrayDuck

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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 :)

June 15, 2005, 02:30:31 PM
Reply #3

Asal

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Good luck, and may you find a happy home :D
Asal 'The Unforgiving'
Fedaykin, Warrior of the Desert Mouse

"I will live to be immortal...or die trying!"

June 15, 2005, 06:10:06 PM
Reply #4

Diablus

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

June 15, 2005, 07:44:36 PM
Reply #5

Bryan

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


Bryan
1987 Keller, Tx spelling bee champ.

June 15, 2005, 08:07:40 PM
Reply #6

Jefe

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Good luck Bryan




Bryan

*DISCLAIMER*  Do not take the above post seriously.

June 15, 2005, 09:18:25 PM
Reply #7

LowCrawler

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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.

June 16, 2005, 01:23:57 AM
Reply #8

SgtFury

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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

June 16, 2005, 01:58:11 AM
Reply #9

aeroripper

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

June 16, 2005, 06:43:03 AM
Reply #10

Goldy

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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!
Best thread ever
"You steal a thousand Post-It notes at 12p, and you've made... a profit."

June 16, 2005, 11:38:31 AM
Reply #11

Bryan

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http://www.choice-homes.com/vrTours/floor_...&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".

1987 Keller, Tx spelling bee champ.

June 16, 2005, 01:30:56 PM
Reply #12

Malevolent

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Your house looks quite nice, Bryan.
It's twice as clear as heaven and twice as loud as reason.

June 16, 2005, 01:46:08 PM
Reply #13

aeroripper

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

June 16, 2005, 02:00:55 PM
Reply #14

Bryan

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Sorry my mistake wrong plan.

http://www.choice-homes.com/vrTours/floor_...&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
1987 Keller, Tx spelling bee champ.

June 16, 2005, 03:26:33 PM
Reply #15

Niteowl

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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!
"I don't have to know an answer, I don't feel frightened by not knowing things, by being lost in a mysterious universe without any purpose, which is the way it really is as far as I can tell. It doesn't frighten me."
-Richard Feynman

June 16, 2005, 04:13:54 PM
Reply #16

Bryan

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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


1987 Keller, Tx spelling bee champ.

June 16, 2005, 04:27:23 PM
Reply #17

Niteowl

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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
"I don't have to know an answer, I don't feel frightened by not knowing things, by being lost in a mysterious universe without any purpose, which is the way it really is as far as I can tell. It doesn't frighten me."
-Richard Feynman

June 24, 2005, 07:48:43 AM
Reply #18

Bryan

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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
1987 Keller, Tx spelling bee champ.

June 24, 2005, 08:15:22 AM
Reply #19

Asurada

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looks like a great house. Thats one big kitchen!
waffles! waffles! waffles!
>>COMM CAN YOU DROP ME SOME WAFFLES?<<
waffles! waffles! waffles!
<(^o^<)no waffles for Lito!!!(>^o^)>