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Buying a home

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...
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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
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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.
 
Closing on a house in two weeks, which will be my third home purchase (sold the other two). Was able to get locked in at 3.58%, which makes me very happy. My last house was at 4.5%. The price on my new home was $50k more than my last home (after 20% down the mortgage was about 40k than my last mortgage), but my monthly payment will be lower by over $100/mo. I went from a 3500 sq ft house down to a 1700 sq ft house I've been renting for two years and am happy to be able to spread out again and have a garage I can park in.
 
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green said:
This. Your kids don't want stuff as much as they want you.
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ConradA24 said:
Well said! :)
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Especially true when the oldest that lives with me is 8. My home is centered around the kitchen. So this one has the stove on the island and it faces into the living room. So while I am cooking I can still be part of the flow of the house.
 
Stoked said:
Especially true when the oldest that lives with me is 8. My home is centered around the kitchen. So this one has the stove on the island and it faces into the living room. So while I am cooking I can still be part of the flow of the house.
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My wife's number one requirement was an area viewable from the kitchen that could be a kid play area. My only request was a full-court basketball gym, which I thought was reasonable, even if my wife had to work an additional job or three to cover the cost. I would have even settled for a half court, but I am stuck with a backyard court instead.
 
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...

A) that's actually kind of a crappy neighborhood for the Phoenix metro.

B) Even if you go to a place in the same metro area where people want to live you still won't have a lot of fences. See: https://www.google.ee/maps/place/81...0x872ba962037487db:0x68ba556c05b2a792!6m1!1e1

C) It's a low crime country. Lots of security items like fences and barred windows make people feel less safe here, not more safe.
 
My offer just got accepted. I close 04/16/16 (I requested 45 days for other reasons instead of the usual 30)
 
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