Current Events > Three weeks until I join the homeowners club :)

(+) Yeah! (+)

Ama
---

Congrats. You doing any projects to spruce up the house right away?

Thanks. I'd like to do a few things in the house eventually, but we're going to focus on getting a fence first. We have a dog already and plan on getting another soon, so that's a high priority.
---

What you eating for dinner tonight?

What kind of dog do you have and what kind do you plan on getting?

Type of fencing are you looking at, and are you gonna build it yourself?
---

How do people afford houses? After my rent, bills, food? Etc I almost break even. How the hell am I suppose to save up for down payment, closing costs, inspection, insurance, etc. I took a homeowners class and they said just buy choosing am $80,000 house and only putting down 4%, after everything is said and down(with the rest of the fees) I'll still need about $13,000 upfront. I can't afford that or save up for that.
---

Behaviorism posted...

How do people afford houses? After my rent, bills, food? Etc I almost break even. How the hell am I suppose to save up for down payment, closing costs, inspection, insurance, etc. I took a homeowners class and they said just buy choosing am $80,000 house and only putting down 4%, after everything is said and down(with the rest of the fees) I'll still need about $13,000 upfront. I can't afford that or save up for that.

I recently got a house that was valued at 184,000. We put down 6,000 for it plus a 1000 dollar earnest (which goes to the house). There's closing costs, but a lot of the time the seller will cover those.

Wooden privacy fence. He jumped his previous owner's 4ft chain link oneptetty easily apparently.

He's a retriever mix. I think he's mixed with border collie personally. Or maybe some kind of pit based on his big block head.

http://imgur.com/a/pKrep.jpg

He always jumps on my gf during storms lol
---

Congrats!
How much was your downpayment?

I'm trying to get ideas myself.
---

We only have $3100 due at closing for a 111k house(we paid 110).

FHA loans only require 3.5%
---

The seller is covering 3k of closing costs
---

How do you apply for an fha loan? Just through the website? How long did it take to figure out you were approved?
---

I put 22k down on my first place. Put 80k down on my second place (fiance and I went in half and half)

I saved up fr the first down payment by working 3 jobs and saving everything I could. I sacrificed most of the weekends of my 20s.

The second down payment was mostly the proceeds of selling my first place.
---

We went through a loan officer. We got pre approved so it all went pretty quickly. After we found the house, we had all the paperwork done in a month or so.

We take possession 6/1. We'll still have the lease to our apartment until the end of June, which will be super nice.
---

NES4EVER posted...

I put 22k down on my first place. Put 80k down on my second place (fiance and I went in half and half)

I saved up fr the first down payment by working 3 jobs and saving everything I could. I sacrificed most of the weekends of my 20s.

The second down payment was mostly the proceeds of selling my first place.

That's impressive!
---

bump
---