I know this is a long shot, but I figured I'd pull out the big guns. Namely, CTN vibes
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Hugs kids!!! Love y'all!!
Moderator: CameronBornAndBred
Being lazy and using Tilly"s vibes and hugs. Yes, this is going to work for you!!!TillyGalore wrote:Lots and lots of vibes this works out for you.
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Call me if you need moral support.
When I saw my house for the first time, I knew it was going to be the house I would buy. It was not the first, nor the last I looked at. After seeing this house, I went ahead and looked at the other houses I picked out previously, if for no other reason than to ensure this is the house I wanted.shereec wrote:Best of luck to you! Sending tons of vibes! The advice about looking at more than one house is good because I bet there ARE plenty to choose from on a short sale.
I told you so. Smart and beautiful, like all the women of Crazietalk!TillyGalore wrote: I bought my house for at least over $20,000 less than I qualified. In fact my mortgage gal commented that I qualified for a lot more than what I was spending. Again, I knew how much I could spend per month, and still have a life, which made things a lot easier. I have no problem, in terms of emotion, paying my mortgage as I planned very well, IMHO.
TillyGalore wrote: The best piece of advice I can give, is find out how much you qualify for, from there figure out how much you are willing to spend per month. I didn't want a house I qualified for because that meant more money out of my pocket every month. I bought my house for at least over $20,000 less than I qualified. In fact my mortgage gal commented that I qualified for a lot more than what I was spending. Again, I knew how much I could spend per month, and still have a life, which made things a lot easier. I have no problem, in terms of emotion, paying my mortgage as I planned very well, IMHO.
Excellent advice about setting a ceiling for what you're comfortable with each month. Over the course of years of living in your new home, there will be changes in property taxes, changes in homeowner's insurance premiums, etc. which will impact your monthly payment. It's important to allow a little room to deal with increases.DukieInKansas wrote:TillyGalore wrote: The best piece of advice I can give, is find out how much you qualify for, from there figure out how much you are willing to spend per month. I didn't want a house I qualified for because that meant more money out of my pocket every month. I bought my house for at least over $20,000 less than I qualified. In fact my mortgage gal commented that I qualified for a lot more than what I was spending. Again, I knew how much I could spend per month, and still have a life, which made things a lot easier. I have no problem, in terms of emotion, paying my mortgage as I planned very well, IMHO.
I'll second this advice. Figure out how much you can pay each month before determining how much you spend. Often you qualify for more than is comfortable paying. There are always other expenses in owning a home/condo, so you don't want all your net monthly income to go to the mortgage. You still want to go out and have Babes at the Beach. You can do a simple Excel spreadsheet with potential mortgage amounts across the top and various interest rates down the side to calculate estimated payments - and then add the estimated insurance and real estate tax escrow payments. Like Tilly, I didn't go with what they told me I could buy. I stuck with how much I wanted to pay per month and have not regretted it.
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that all goes well.
Aw shucks!!!OZZIE4DUKE wrote:I told you so. Smart and beautiful, like all the women of Crazietalk!TillyGalore wrote: I bought my house for at least over $20,000 less than I qualified. In fact my mortgage gal commented that I qualified for a lot more than what I was spending. Again, I knew how much I could spend per month, and still have a life, which made things a lot easier. I have no problem, in terms of emotion, paying my mortgage as I planned very well, IMHO.