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Post by deadphishbiscuits on Feb 12, 2020 8:26:50 GMT -7
Can I use that key and Peele dudes rocket mortgage ro shop for loans and interest?
I hate owing people so yeah I always try and pay extra on the loan(s) I have
Just trying not to get fucked
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Post by ferd on Feb 12, 2020 8:27:29 GMT -7
Yeah, honestly...get in touch with Zach N00b. He works for Rocket Mortgage and will be able to help you out.
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Post by ferd on Feb 12, 2020 8:27:58 GMT -7
One other thing, pay close attention to the taxes on the property. Since you plan on rolling them into your payment, they will be a substantial chunk of the monthly payment.
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Post by chronicircle on Feb 12, 2020 8:28:06 GMT -7
in that same realm, if its a townhome you're looking at remember HOA costs as well.
even with my HOA and mortgage payment, still paying less for my place now than i was for a small 1 BR apartment.
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Post by deadphishbiscuits on Feb 12, 2020 8:28:36 GMT -7
Calling zach noob
Report to the wooks por favor
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Post by deadphishbiscuits on Feb 12, 2020 8:28:59 GMT -7
Will not live in townhouse again and fuck hoa
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Post by deadphishbiscuits on Feb 12, 2020 8:29:28 GMT -7
I'll mow my own yard and shovel me own drive way or pay lil dude to to both
Allowance young man
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Post by bear on Feb 12, 2020 8:29:48 GMT -7
Rent to tater
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Post by chickenpoop on Feb 12, 2020 8:31:32 GMT -7
We went through our credit union this time around and preferred it over a bank.
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Post by deadphishbiscuits on Feb 12, 2020 8:34:45 GMT -7
May need to open credit union account
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Post by Don Swifty on Feb 12, 2020 8:35:11 GMT -7
protip; buy the nicest house in the shittiest neighborhood... I think it is the other way around. That way everyone is bringing your home value up I thought the idea was buying into a neighborhood on the cheap, others follow, and then what once was a low rent area becomes a better (depending on one's opinion of gentrification; and maybe even trendy) neighborhood and the early investors into the 'hood eventually see their homes skyrocket in value. |
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Post by treetophigh on Feb 12, 2020 8:35:49 GMT -7
Yall just talked me out of trying to ever buy a house...
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Post by lordkundalini on Feb 12, 2020 8:42:26 GMT -7
Credit union is the way to go, well least for us.. way happier we got rid of Chase and moved all our business to credit union
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Post by chickenpoop on Feb 12, 2020 8:43:54 GMT -7
I think it is the other way around. That way everyone is bringing your home value up I thought the idea was buying into a neighborhood on the cheap, others follow, and then what once was a low rent area becomes a better (depending on one's opinion of gentrification; and maybe even trendy) neighborhood and the early investors into the 'hood eventually see their homes skyrocket in value. We sort of did that last time around with our starter house (bought in a well maintained residential but quiet neighborhood- they were just starting to open more restaurants in the year before we sold). The buying & selling times need to be just right, and even then closing costs, realtor fees, title transfers and taxes take a big bite out of it. We didn't have to pay capital gains taxes though because it was our primary residence for over 4 years (or something like that). And it is always a risk- shit happens! |
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Post by chronicircle on Feb 12, 2020 8:46:00 GMT -7
Yall just talked me out of trying to ever buy a house... its a big commitment but really just a long term investment. |
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Post by bear on Feb 12, 2020 8:49:01 GMT -7
E Q U I T Y
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Post by lerner on Feb 12, 2020 8:54:39 GMT -7
make sure its flat for epic croquet tournament...
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Post by SolarGarlic 🧀 on Feb 12, 2020 9:23:12 GMT -7
Remember to set aside money for moving in costs. Incidentals like blinds, rugs, cleaning supplies, a lawn mower if you have a yard, utility deposits etc. it adds up and it’s stuff you don’t really think about.
Have all your finances in order - no switching jobs, large purchases etc. get copies of w-2’s, bank statements together so you’re not overwhelmed and scrambling.
Find a realtor you’re comfortable with and not one that just wants to make a sale. You don’t owe them anything and are free to use whoever you want.
Also, feel free to shop around for financing but be careful with places running your credit. Those are hard hits on your report.
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Post by frododoknobo on Feb 12, 2020 9:25:48 GMT -7
Can you give me the zip codes you are looking at?
Also, how’s your credit score? You don’t need to give it to me, just a general good/great/excellent would help.
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Post by deadphishbiscuits on Feb 12, 2020 9:28:34 GMT -7
Can you give me the zip codes you are looking at? Also, how’s your credit score? You don’t need to give it to me, just a general good/great/excellent would help. Peep your tele |
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