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Buying a home

At some point this discussion turns into one about risk appetites.

In all honesty, we have high stress jobs and are responsible on a daily basis for millions of dollars of other people's money. My personal appetite for risk when it comes to housing is low. We're going to proceed pretty conventionally.

Also, lying is bad mmmkay?
 
Sirkickyass said:
At some point this discussion turns into one about risk appetites.

In all honesty, we have high stress jobs and are responsible on a daily basis for millions of dollars of other people's money. My personal appetite for risk when it comes to housing is low. We're going to proceed pretty conventionally.

Also, lying is bad mmmkay?
Click to expand...

Lol.
 
And a third of a million dollars later this is happening. Closing in approximately 30 days. Lets hope it isn't a money pit.
 
Sirkickyass said:
And a third of a million dollars later this is happening. Closing in approximately 30 days. Lets hope it isn't a money pit.
Click to expand...

Nice! Looks like I'm having one built for me for about 165k. 1/3 acre. I should have bids in any day now (hoping tomorrow).
 
Add me to the list of homebuyers :(

It was gonna get me one day. Finally did. Offer's accepted, waiting on appraisal.
 
Just made an offer on a 1,700 sq ft 3 bedroom, 2 1/2 bath, 2 car garage, fenced (block) home. Has a fire pit and a fireplace, all appliances provided. I'll know by 5 PM MT tomorrow.
 
I read one page then got bored. Here is my advice:

- Buy as little home as you can tolerate. Having extra money every month is SO much better than a bigger house.

- Find the neighborhood you like. Find the street you like. Get a good idea for the value of that street. Then you knock doors or have your realtor knock doors and ask if anyone there is looking to sell. You'd be surprised how well this works. We actually sold one of our homes this way. We were considering selling our home and a realtor knocked on our door, said his buyer was looking for a south facing house in this neighborhood and asked if we were looking to sell. Two weeks later, house was in another's name.

- Pay the damn thing off. Imagine what you could do with the money you are paying towards rent every month. You'd live like a king.

- Don't move every three years. If you aren't staying for 10 years, rent.
 
Why in US ordinary homeowners dislike or do not want have fences? Does that not prevent burglaries etc.?
For example, a random street in Phoenix:
https://www.google.ee/maps/@33.4930...4!1sGdzPw4s-72lDUWZQXt7mGw!2e0!7i13312!8i6656

For comparison, the neighbourhood in Tallinn, where i live (when most of the houses were built, it was low to middle class, now it is also a middle to high class):
https://www.google.ee/maps/@59.3851...4!1sSR2oYBP4-27p55LvMoEQBA!2e0!7i13312!8i6656

Is that kind of service affordable for middle class homeowners in US?
https://www.g4s.ee/en/personal-client/home-surveillance/services/introduction
 
Stoked said:
Just made an offer on a 1,700 sq ft 3 bedroom, 2 1/2 bath, 2 car garage, fenced (block) home. Has a fire pit and a fireplace, all appliances provided. I'll know by 5 PM MT tomorrow.
Click to expand...
How much?
 
green said:
- Buy as little home as you can tolerate. Having extra money every month is SO much better than a bigger house.
Click to expand...

This.
Hard to get the wife to buy into it though
 
I think I mentioned earlier in the thread that a bigger house does not equate to having enough space for privacy from kids. They are wherever you are.
You can have a killer game room with the most awesome toys and they'll be into it for a minute... then back to hanging out with you in the kitchen or wherever.

It's great...
 
Stoked said:
I will be financing 135k, way below my pre-approved credit limit. We avoided the house poor problem many have mentioned in here.
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Good man.
I'm currently financed for about 145 after refinancing with 35,000 down.

Payment went from about $1300 per month (we were always broke) to about $900 per month.
 
fishonjazz said:
Good man.
I'm currently financed for about 145 after refinancing with 35,000 down.

Payment went from about $1300 per month (we were always broke) to about $900 per month.
Click to expand...

I'm paying 900 now but this house will bring my payment to about 650ish.
 
Dr. Jones said:
I think I mentioned earlier in the thread that a bigger house does not equate to having enough space for privacy from kids. They are wherever you are.
You can have a killer game room with the most awesome toys and they'll be into it for a minute... then back to hanging out with you in the kitchen or wherever.

It's great...
Click to expand...

This. Your kids don't want stuff as much as they want you.
 
lauriandres said:
Why in US ordinary homeowners dislike or do not want have fences? Does that not prevent burglaries etc.?
For example, a random street in Phoenix:
https://www.google.ee/maps/@33.4930...4!1sGdzPw4s-72lDUWZQXt7mGw!2e0!7i13312!8i6656

For comparison, the neighbourhood in Tallinn, where i live (when most of the houses were built, it was low to middle class, now it is also a middle to high class):
https://www.google.ee/maps/@59.3851...4!1sSR2oYBP4-27p55LvMoEQBA!2e0!7i13312!8i6656

Is that kind of service affordable for middle class homeowners in US?
https://www.g4s.ee/en/personal-client/home-surveillance/services/introduction
Click to expand...

Fences aren't tied to burglaries. Burglaries are tied to opportunity. You leave the blinds open and they see cash. You leave the doors unlocked. That type of stuff.
 
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