Board 8 > Buying a house

Topic List	Page List: 1
MajinZidane 12/21/20 9:00:15 PM #1:	I've been doing a lot of research on if it's finally time for me to buy a house as a first time home owner. I know basically what I want in a house, but that's really it. I don't know what steps I should take, if I should wait for a change in the market (it is supposedly very unkind to buyers right now), and how to determine what I can afford, etc. Like, obviously I know how much money I have coming in and out, but don't know what's actually reasonable for a monthly payment, especially when you tack on costs I definitely am not yet aware of. I know that I can very likely be pre-approved for a sum of money greater than what I should probably take on. And I'm sure there are a lot of other things I am clueless about right now. Any tips or advice? --- Virtue - "You don't need a reason to Boko United." <cite>MajinZidane posted [p:948619712] in Buying a h... [t:79191613]...</cite> <quote>I've been doing a lot of research on if it's finally time for me to buy a house as a first time home owner. I know basically what I want in a house, but that's really it. I don't know what steps I should take, if I should wait for a change in the market (it is supposedly very unkind to buyers right now), and how to determine what I can afford, etc. Like, obviously I know how much money I have coming in and out, but don't know what's actually reasonable for a monthly payment, especially when you tack on costs I definitely am not yet aware of. I know that I can very likely be pre-approved for a sum of money greater than what I should probably take on. And I'm sure there are a lot of other things I am clueless about right now. Any tips or advice? </quote> ... Copied to Clipboard!
MysticBrohan 12/21/20 9:06:45 PM #2:	last i checked you work at pizza hut so maybe just live there --- Esto es el fin, Grande Padre <cite>MysticBrohan posted [p:948619994] in Buying a h... [t:79191613]...</cite> <quote>last i checked you work at pizza hut so maybe just live there </quote> ... Copied to Clipboard!
MajinZidane 12/21/20 9:08:02 PM #3:	okay buddy that was like 7 years ago --- Virtue - "You don't need a reason to Boko United." <cite>MajinZidane posted [p:948620041] in Buying a h... [t:79191613]...</cite> <quote>okay buddy that was like 7 years ago </quote> ... Copied to Clipboard!
MysticBrohan 12/21/20 9:09:07 PM #4:	i would recommend waiting a few months because a bunch of crazy shit is gonna happen soon --- Esto es el fin, Grande Padre <cite>MysticBrohan posted [p:948620073] in Buying a h... [t:79191613]...</cite> <quote>i would recommend waiting a few months because a bunch of crazy shit is gonna happen soon </quote> ... Copied to Clipboard!
CaptainOfCrush 12/21/20 9:10:13 PM #5:	The one thing I can tell you with confidence is that mortgage insurance sucks, so I encourage you to save up the 20% down required to avoid it. I'd also argue that trying to "time" the real estate market is an unsound idea, as like most markets, it generally trends upwards, and whatever time you delay your purchase while waiting for a crash is likely time you'd be paying rent anyway. --- Yoblazer https://imgur.com/gByqgPg <cite>CaptainOfCrush posted [p:948620117] in Buying a h... [t:79191613]...</cite> <quote>The one thing I can tell you with confidence is that mortgage insurance sucks, so I encourage you to save up the 20% down required to avoid it. I'd also argue that trying to "time" the real estate market is an unsound idea, as like most markets, it generally trends upwards, and whatever time you delay your purchase while waiting for a crash is likely time you'd be paying rent anyway. </quote> ... Copied to Clipboard!
Sunroof 12/21/20 9:11:03 PM #6:	You want to put at least 20% down. Your mortgage payment should then be 25% of your monthly paycheck. <cite>Sunroof posted [p:948620158] in Buying a h... [t:79191613]...</cite> <quote>You want to put at least 20% down. Your mortgage payment should then be 25% of your monthly paycheck. </quote> ... Copied to Clipboard!
Peace___Frog 12/21/20 9:13:45 PM #7:	I talked with a real estate agent and she helped me out a lot. Obviously it costs some money if they help you through closing but it was very well worth it in my book. I was kind of in the same boat as you. If your mortgage and homeowners insurance are less than 20% of your annual income then you'll be well within a safe range, unless you buy a house that needs a lot of work on it before it's livable. Once you get up to 30% you're starting to stretch yourself more thin, but obviously it also depends how much your utility bills will be, what your taxes are like, what sort of other spending you're interested in, and so on. I'm not sure if those are really hard and fast rules, perhaps the more financially minded folks can say one way or the other, but that's the range I was exploring when searching ten months ago. And yeah saving up for 20% down is ideal but for me I wanted to get out of my apartment asap so I borrowed some funds from my 401k to get up to 10% down. Mortgage insurance sucks, but if you want a house that badly then it's just another cost to consider. --- ~Peaf~ <cite>Peace___Frog posted [p:948620268] in Buying a h... [t:79191613]...</cite> <quote>I talked with a real estate agent and she helped me out a lot. Obviously it costs some money if they help you through closing but it was very well worth it in my book. I was kind of in the same boat as you. If your mortgage and homeowners insurance are less than 20% of your annual income then you'll be well within a safe range, unless you buy a house that needs a lot of work on it before it's livable. Once you get up to 30% you're starting to stretch yourself more thin, but obviously it also depends how much your utility bills will be, what your taxes are like, what sort of other spending you're interested in, and so on. I'm not sure if those are really hard and fast rules, perhaps the more financially minded folks can say one way or the other, but that's the range I was exploring when searching ten months ago. And yeah saving up for 20% down is ideal but for me I wanted to get out of my apartment asap so I borrowed some funds from my 401k to get up to 10% down. Mortgage insurance sucks, but if you want a house that badly then it's just another cost to consider. </quote> ... Copied to Clipboard!
Sunroof 12/21/20 9:19:34 PM #8:	The seller pays the real estate agent, not the buyer. <cite>Sunroof posted [p:948620493] in Buying a h... [t:79191613]...</cite> <quote>The seller pays the real estate agent, not the buyer. </quote> ... Copied to Clipboard!
ChaosTonyV4 12/21/20 9:19:59 PM #9:	Find a house you like and ask to see it. If you like the realtor who shows you around, ask them to help you through the processincluding finding and looking at other houses in case the first one falls through. Thats what I did, and it was a breeze. --- Phantom Dust. "I'll just wait for time to prove me right again." - Vlado <cite>ChaosTonyV4 posted [p:948620507] in Buying a h... [t:79191613]...</cite> <quote>Find a house you like and ask to see it. If you like the realtor who shows you around, ask them to help you through the processincluding finding and looking at other houses in case the first one falls through. Thats what I did, and it was a breeze. </quote> ... Copied to Clipboard!
banananor 12/21/20 11:06:38 PM #10:	I don't have any advice, but prices are exceptionally high where i am at the moment. Everyone's left the big cities due to covid, and that has pushed prices up everywhere else. No idea when they'll trend back down prices in the city itself are always ridiculous --- You did indeed stab me in the back. However, you are only level one, whilst I am level 50. That means I should remain uninjured. <cite>banananor posted [p:948624230] in Buying a h... [t:79191613]...</cite> <quote>I don't have any advice, but prices are exceptionally high where i am at the moment. Everyone's left the big cities due to covid, and that has pushed prices up everywhere else. No idea when they'll trend back down prices in the city itself are always ridiculous </quote> ... Copied to Clipboard!
azuarc 12/21/20 11:23:11 PM #11:	A lot of advice is circumstantial, so I'll just share a few of my thoughts from last year. * Credit rating is a requirement. I had no credit score because I've literally never been in debt. Dealing with that was awkward. * Decide what you care about, and then find an agent who's willing to let you look at what they see online. I promise you the listings on Redfin and Zillow and Realtor.com are not current, up-to-date, or accurate in most cases. You do not want to form an opinion of a house based on the pictures alone -- that's usually the indication of a good agent rather than a good house. * Related to that, know what you don't care about. My house is in the weakest school district in the county, but why do I care? I don't have kids to send to school. It's also the highest crime area, which is to say that the crime rate is not literal zero, but it's hardly dangerous. The fact that it's not absolute zero is enough to scare some people away, though. I happen to be in a good part of the town, and it wouldn't faze me much to be in a "bad" part. * Depending on your needs, best time to buy is usually at a point when it would not be convenient for people with children to move, especially as it pertains to the school year. Buying is usually really dead around this time of year, until at least February. * Don't buy too swiftly. Study the market, let a few go by, and definitely don't chase anything you don't love. But once you do find something you fall in love with, do not wait. Get on it immediately because good houses vanish off the market fast. * That said, my top two choices lived on the market for over a month. Sometimes if you find a place that looks great, but just isn't selling for whatever reason, you can leverage that. * If you're serious about the house, make sure you look at it very closely. There are so many small things that are easy to overlook, and if you're not particularly handy, you're either just going to live with those things or have to pay someone to deal with. In some cases, those "little things" are actually really big things. * If you've never dealt with home maintenance, make sure you're ready and recognize the work involved. Owning is not at all like renting. Nobody solves your problems for you. You either fix it yourself (literally) or pay to have someone do it. I paid a plumber two grand earlier this week. Last summer, I had to recover from a basement flood that caused $12k in damage and wrecked a lot of items with sentimental value. (Home owner's gave me $10.) Newer homes will usually be less likely to have problems...age-related problems, anyhow...but don't underestimate repairs, cleaning, lawn care, etc. I could go on. --- Video Game Music Contest 14 champion: Idola Phantasy Star Saga - Endeavour <cite>azuarc posted [p:948624731] in Buying a h... [t:79191613]...</cite> <quote>A lot of advice is circumstantial, so I'll just share a few of my thoughts from last year. * Credit rating is a requirement. I had no credit score because I've literally never been in debt. Dealing with that was awkward. * Decide what you care about, and then find an agent who's willing to let you look at what they see online. I promise you the listings on Redfin and Zillow and Realtor.com are not current, up-to-date, or accurate in most cases. You do not want to form an opinion of a house based on the pictures alone -- that's usually the indication of a good agent rather than a good house. * Related to that, know what you don't care about. My house is in the weakest school district in the county, but why do I care? I don't have kids to send to school. It's also the highest crime area, which is to say that the crime rate is not literal zero, but it's hardly dangerous. The fact that it's not absolute zero is enough to scare some people away, though. I happen to be in a good part of the town, and it wouldn't faze me much to be in a "bad" part. * Depending on your needs, best time to buy is usually at a point when it would not be convenient for people with children to move, especially as it pertains to the school year. Buying is usually really dead around this time of year, until at least February. * Don't buy too swiftly. Study the market, let a few go by, and definitely don't chase anything you don't love. But once you do find something you fall in love with, do not wait. Get on it immediately because good houses vanish off the market fast. * That said, my top two choices lived on the market for over a month. Sometimes if you find a place that looks great, but just isn't selling for whatever reason, you can leverage that. * If you're serious about the house, make sure you look at it very closely. There are so many small things that are easy to overlook, and if you're not particularly handy, you're either just going to live with those things or have to pay someone to deal with. In some cases, those "little things" are actually really big things. * If you've never dealt with home maintenance, make sure you're ready and recognize the work involved. Owning is not at all like renting. Nobody solves your problems for you. You either fix it yourself (literally) or pay to have someone do it. I paid a plumber two grand earlier this week. Last summer, I had to recover from a basement flood that caused $12k in damage and wrecked a lot of items with sentimental value. (Home owner's gave me $10.) Newer homes will usually be less likely to have problems...age-related problems, anyhow...but don't underestimate repairs, cleaning, lawn care, etc. I could go on. </quote> ... Copied to Clipboard!
KingButz 12/22/20 12:55:48 AM #12:	If you have great credit, mortgage insurance might be reasonable if you can put 10-15% down. If you don't, then really try to get 20%. In normal times, I would say go to a lot of open houses, but I guess you will have to get private appointments for now. Budget 1-2% of the house value annually for upkeep. Your total debt to income ratio should be 30% or less. And I agree with those that say you can't really time the market. It seems like a bad time to buy but it also may never get any better. One of the positives now is that mortgage rates are at an all time low. --- rip imgcake <cite>KingButz posted [p:948627015] in Buying a h... [t:79191613]...</cite> <quote>If you have great credit, mortgage insurance might be reasonable if you can put 10-15% down. If you don't, then really try to get 20%. In normal times, I would say go to a lot of open houses, but I guess you will have to get private appointments for now. Budget 1-2% of the house value annually for upkeep. Your total debt to income ratio should be 30% or less. And I agree with those that say you can't really time the market. It seems like a bad time to buy but it also may never get any better. One of the positives now is that mortgage rates are at an all time low.</quote> ... Copied to Clipboard!
Corrik7 12/22/20 3:42:03 AM #13:	Just so you know, everyone keeps harping at the PMI, but you can have it removed from your loan once you hit 20% paid, whether you pay it up front or not. This also includes if your home value simply goes up to make that 20% of value to what you owe. The main things to know as a first time home buyer is that there is programs that will let you pay little to nothing down if that is the only way you are able to purchase one. I assume interest rates are at basically 0 federally so your interest rate on your loan itself should be bank minimums I would think. The first step is getting pre-approved at a bank for an amount. This isn't a set in stone number so don't assume it means you are 100% set or 100% limited by this number. The second step is getting a hold of a real estate agent or contacting someone to look at houses you like. Almost every house looks better in photos than actuality. So, you may fall in love with a house that actually is a piece of shit when you look at it. Be wary. If you do go with one of the federally backed loan programs (FHA or USDA - USDA has limits and you can't discharge the pmi for the life of the loan just fyi), there are requirements that must be passed for the house to be sold. Such as cannot be any paint chipped anywhere, railings on porches, etc. This could be done at either of your expenses, but the loan won't be approved without it done. These will be found during the appraisal. Do not make any credit card purchases during the buying process once you find a house or take out any other loans. Your loan is based on a debt to income ratio that such a move could cost you your loan. Don't forget your homeowners, taxes, pmi, and etc when figuring out your monthly payment. It's not simply the house cost. Also, I would suggest not letting the homeowners insurance take advantage of you. They try to force you to insure for far more than you really need to in many cases. Do not buy in a flood zone or mine subsidance zone unless you want hefty insurance price hikes. About all I got for you. Good luck. --- Xbox Live User Name - Corrik Currently playing: Spider-Man (PS4), Quantum Break (X1) <cite>Corrik7 posted [p:948629562] in Buying a h... [t:79191613]...</cite> <quote>Just so you know, everyone keeps harping at the PMI, but you can have it removed from your loan once you hit 20% paid, whether you pay it up front or not. This also includes if your home value simply goes up to make that 20% of value to what you owe. The main things to know as a first time home buyer is that there is programs that will let you pay little to nothing down if that is the only way you are able to purchase one. I assume interest rates are at basically 0 federally so your interest rate on your loan itself should be bank minimums I would think. The first step is getting pre-approved at a bank for an amount. This isn't a set in stone number so don't assume it means you are 100% set or 100% limited by this number. The second step is getting a hold of a real estate agent or contacting someone to look at houses you like. Almost every house looks better in photos than actuality. So, you may fall in love with a house that actually is a piece of shit when you look at it. Be wary. If you do go with one of the federally backed loan programs (FHA or USDA - USDA has limits and you can't discharge the pmi for the life of the loan just fyi), there are requirements that must be passed for the house to be sold. Such as cannot be any paint chipped anywhere, railings on porches, etc. This could be done at either of your expenses, but the loan won't be approved without it done. These will be found during the appraisal. Do not make any credit card purchases during the buying process once you find a house or take out any other loans. Your loan is based on a debt to income ratio that such a move could cost you your loan. Don't forget your homeowners, taxes, pmi, and etc when figuring out your monthly payment. It's not simply the house cost. Also, I would suggest not letting the homeowners insurance take advantage of you. They try to force you to insure for far more than you really need to in many cases. Do not buy in a flood zone or mine subsidance zone unless you want hefty insurance price hikes. About all I got for you. Good luck. </quote> ... Copied to Clipboard!
Bartzyx 12/22/20 1:24:33 PM #14:	Corrik7 posted... Do not make any credit card purchases during the buying process once you find a house or take out any other loans. Your loan is based on a debt to income ratio that such a move could cost you your loan. large purchases normal stuff is fine --- At least your mother tipped well <cite>Bartzyx posted [p:948641166] in Buying a h... [t:79191613]...</cite> <quote>Corrik7 posted... </cite> <quote>Do not make any credit card purchases during the buying process once you find a house or take out any other loans. Your loan is based on a debt to income ratio that such a move could cost you your loan.</quote> large purchases normal stuff is fine </quote> ... Copied to Clipboard!
Corrik7 12/22/20 5:29:38 PM #15:	Bartzyx posted... large purchases normal stuff is fine Not really. Anything that can increase your minimum payments at all is not a good idea unless you have a decent amount of clearance on your debt to income ratio. --- Xbox Live User Name - Corrik Currently playing: Spider-Man (PS4), Quantum Break (X1) <cite>Corrik7 posted [p:948649095] in Buying a h... [t:79191613]...</cite> <quote>Bartzyx posted... </cite> <quote>large purchases normal stuff is fine</quote>Not really. Anything that can increase your minimum payments at all is not a good idea unless you have a decent amount of clearance on your debt to income ratio. </quote> ... Copied to Clipboard!
KingButz 12/22/20 6:10:39 PM #16:	If you don't, you shouldn't be buying a house --- rip imgcake <cite>KingButz posted [p:948650546] in Buying a h... [t:79191613]...</cite> <quote>If you don't, you shouldn't be buying a house</quote> ... Copied to Clipboard!
Corrik7 12/22/20 6:15:36 PM #17:	KingButz posted... If you don't, you shouldn't be buying a house I bought a house with a waiver to go over the debt to income ratio limits. I put $0 down and was paid money at closing (hand money and appraisal money was refunded to me). Yet, I am 10 years ahead on my mortgage and have no problems paying it. You probably should stop talking like you know everyone's situations, bud. --- Xbox Live User Name - Corrik Currently playing: Spider-Man (PS4), Quantum Break (X1) <cite>Corrik7 posted [p:948650694] in Buying a h... [t:79191613]...</cite> <quote>KingButz posted... </cite> <quote>If you don't, you shouldn't be buying a house</quote>I bought a house with a waiver to go over the debt to income ratio limits. I put $0 down and was paid money at closing (hand money and appraisal money was refunded to me). Yet, I am 10 years ahead on my mortgage and have no problems paying it. You probably should stop talking like you know everyone's situations, bud. </quote> ... Copied to Clipboard!
KingButz 12/22/20 6:43:19 PM #18:	you're obviously an exception And I'm not your bud --- rip imgcake <cite>KingButz posted [p:948651674] in Buying a h... [t:79191613]...</cite> <quote>you're obviously an exception And I'm not your bud</quote> ... Copied to Clipboard!
Corrik7 12/22/20 6:53:37 PM #19:	QQ --- Xbox Live User Name - Corrik Currently playing: Spider-Man (PS4), Quantum Break (X1) <cite>Corrik7 posted [p:948652057] in Buying a h... [t:79191613]...</cite> <quote>QQ </quote> ... Copied to Clipboard!
KingButz 12/22/20 6:54:51 PM #20:	Spoken like a true intellectual --- rip imgcake <cite>KingButz posted [p:948652100] in Buying a h... [t:79191613]...</cite> <quote>Spoken like a true intellectual</quote> ... Copied to Clipboard!
Corrik7 12/22/20 6:56:08 PM #21:	KingButz posted... Spoken like a true intellectual QQ? --- Xbox Live User Name - Corrik Currently playing: Spider-Man (PS4), Quantum Break (X1) <cite>Corrik7 posted [p:948652147] in Buying a h... [t:79191613]...</cite> <quote>KingButz posted... </cite> <quote>Spoken like a true intellectual</quote>QQ? </quote> ... Copied to Clipboard!
Bartzyx 12/22/20 6:57:30 PM #22:	OK Boko, I think you know whose advice to follow at this point --- At least your mother tipped well <cite>Bartzyx posted [p:948652200] in Buying a h... [t:79191613]...</cite> <quote>OK Boko, I think you know whose advice to follow at this point </quote> ... Copied to Clipboard!
trdl23 12/22/20 6:58:15 PM #23:	Boko just buy my house in ann arbor I'm never going back to it --- E come vivo? Vivo! <cite>trdl23 posted [p:948652233] in Buying a h... [t:79191613]...</cite> <quote>Boko just buy my house in ann arbor I'm never going back to it </quote> ... Copied to Clipboard!
MajinZidane 12/23/20 10:12:40 PM #24:	trdl23 posted... Boko just buy my house in ann arbor I'm never going back to it ??? --- Virtue - "You don't need a reason to Boko United." <cite>MajinZidane posted [p:948695616] in Buying a h... [t:79191613]...</cite> <quote>trdl23 posted... </cite> <quote>Boko just buy my house in ann arbor I'm never going back to it</quote> ??? </quote> ... Copied to Clipboard!
MajinZidane 12/24/20 4:40:48 PM #25:	@trdl23 --- Virtue - "You don't need a reason to Boko United." <cite>MajinZidane posted [p:948719870] in Buying a h... [t:79191613]...</cite> <quote>@trdl23 </quote> ... Copied to Clipboard!
Menji 12/24/20 6:14:02 PM #26:	Get a good realtor, they're worth their weight in gold. Ask friends and family for someone they have actually used, not just their friend who happens to do it... I just bought a house and my realtor was amazing, took care of everything and was available all the time. The seller's agent on the other hand was new, and a friend of the seller and they made a few mistakes that likely cost the seller more than they should paid for certain items. --- Menji+ https://imgur.com/F5UEyUw \| https://imgur.com/pPZsSZU Congrats to azuarc! [ https://myanimelist.net/profile/Menjii ] <cite>Menji posted [p:948722655] in Buying a h... [t:79191613]...</cite> <quote>Get a good realtor, they're worth their weight in gold. Ask friends and family for someone they have actually used, not just their friend who happens to do it... I just bought a house and my realtor was amazing, took care of everything and was available all the time. The seller's agent on the other hand was new, and a friend of the seller and they made a few mistakes that likely cost the seller more than they should paid for certain items. </quote> ... Copied to Clipboard!
greengravy294 12/24/20 6:28:04 PM #27:	nice!! --- https://imgur.com/a/LEqiW https://imgur.com/iXHxhET <cite>greengravy294 posted [p:948723076] in Buying a h... [t:79191613]...</cite> <quote>nice!! </quote> ... Copied to Clipboard!
trdl23 12/25/20 12:55:30 PM #28:	MajinZidane posted... ??? I'm out in New England now for grad school and likely won't go back to Michigan. My house isn't up for sale yet though because it isn't ready yet -- my family is going to help get it in shape while I'm out here. --- E come vivo? Vivo! <cite>trdl23 posted [p:948744535] in Buying a h... [t:79191613]...</cite> <quote>MajinZidane posted... </cite> <quote>???</quote>I'm out in New England now for grad school and likely won't go back to Michigan. My house isn't up for sale yet though because it isn't ready yet -- my family is going to help get it in shape while I'm out here. </quote> ... Copied to Clipboard!
Rango 12/25/20 2:12:55 PM #29:	* Make sure the AC is working reliably and not just jury-rigged with some parts thrown together * If your water bill is too high, contact the company and let them know there's a serious error. That goes for any bill but for us it was water due to a huge issue with billing * Make sure you're covered with homeowner's warranty for at least a year. This way the insurance can pay for anything that's wrong with the house. Hope that helps. --- http://tinyurl.com/jfdvuhu <cite>Rango posted [p:948746909] in Buying a h... [t:79191613]...</cite> <quote>* Make sure the AC is working reliably and not just jury-rigged with some parts thrown together * If your water bill is too high, contact the company and let them know there's a serious error. That goes for any bill but for us it was water due to a huge issue with billing * Make sure you're covered with homeowner's warranty for at least a year. This way the insurance can pay for anything that's wrong with the house. Hope that helps. </quote> ... Copied to Clipboard!
azuarc 12/25/20 2:17:04 PM #30:	Rango posted... * If your water bill is too high, contact the company and let them know there's a serious error. That goes for any bill but for us it was water due to a huge issue with billing Can you tell me more about this? I feel like my water usage is always higher than it would actually be with just toilet flushes, dishwashing, and haphazard showering. --- Video Game Music Contest 14 champion: Idola Phantasy Star Saga - Endeavour <cite>azuarc posted [p:948747026] in Buying a h... [t:79191613]...</cite> <quote>Rango posted... </cite> <quote>* If your water bill is too high, contact the company and let them know there's a serious error. That goes for any bill but for us it was water due to a huge issue with billing</quote> Can you tell me more about this? I feel like my water usage is always higher than it would actually be with just toilet flushes, dishwashing, and haphazard showering. </quote> ... Copied to Clipboard!
Rango 12/25/20 8:32:24 PM #31:	azuarc posted... Can you tell me more about this? I feel like my water usage is always higher than it would actually be with just toilet flushes, dishwashing, and haphazard showering. We tested the water level in this little tank in our front yard. We would make sure it wasn't more than a certain amount which it wasn't. We had to call the water company several times to let them know they're charging us an absurd amount of cash and for them to monitor our levels. Sure enough, it was a flub on their part and our bill went down drastically from then on. --- http://tinyurl.com/jfdvuhu <cite>Rango posted [p:948758031] in Buying a h... [t:79191613]...</cite> <quote>azuarc posted... </cite> <quote>Can you tell me more about this? I feel like my water usage is always higher than it would actually be with just toilet flushes, dishwashing, and haphazard showering.</quote> We tested the water level in this little tank in our front yard. We would make sure it wasn't more than a certain amount which it wasn't. We had to call the water company several times to let them know they're charging us an absurd amount of cash and for them to monitor our levels. Sure enough, it was a flub on their part and our bill went down drastically from then on. </quote> ... Copied to Clipboard!
MajinZidane 12/25/20 8:32:51 PM #32:	Menji posted... Get a good realtor, they're worth their weight in gold. Ask friends and family for someone they have actually used, not just their friend who happens to do it... I just bought a house and my realtor was amazing, took care of everything and was available all the time. The seller's agent on the other hand was new, and a friend of the seller and they made a few mistakes that likely cost the seller more than they should paid for certain items. I was going to just talk to my buddy, but now I'm hesitant lol --- Virtue - "You don't need a reason to Boko United." <cite>MajinZidane posted [p:948758048] in Buying a h... [t:79191613]...</cite> <quote>Menji posted... </cite> <quote>Get a good realtor, they're worth their weight in gold. Ask friends and family for someone they have actually used, not just their friend who happens to do it... I just bought a house and my realtor was amazing, took care of everything and was available all the time. The seller's agent on the other hand was new, and a friend of the seller and they made a few mistakes that likely cost the seller more than they should paid for certain items.</quote> I was going to just talk to my buddy, but now I'm hesitant lol </quote> ... Copied to Clipboard!
Dantezoid 12/25/20 9:13:59 PM #33:	Second good realtor. Got a rec from a friend, and she was fantastic and walked me through the whole process from house visits to closing. A bad realtor would try to sell anything, not necessarily what you want. Try to get someone who cares about you, not the commission $$$ --- Boring and mundane signature informing you I'm on a Droid Now with more bold! Less italics due to bold. <cite>Dantezoid posted [p:948759291] in Buying a h... [t:79191613]...</cite> <quote>Second good realtor. Got a rec from a friend, and she was fantastic and walked me through the whole process from house visits to closing. A bad realtor would try to sell anything, not necessarily what you want. Try to get someone who cares about you, not the commission $$$ </quote> ... Copied to Clipboard!
CaptainOfCrush 12/27/20 7:56:04 PM #34:	Agreed - or at least someone who actually tries to earn their commission by making their client happy. In my experience, the tell-tale sign of a poor realtor is one who immediately begins to show you homes outside your budget. If you communicate a budget of 300k and the third home they show you is 340k but "an absolute beauty", ditch them. --- Yoblazer https://imgur.com/gByqgPg <cite>CaptainOfCrush posted [p:948823069] in Buying a h... [t:79191613]...</cite> <quote>Agreed - or at least someone who actually tries to earn their commission by making their client happy. In my experience, the tell-tale sign of a poor realtor is one who immediately begins to show you homes outside your budget. If you communicate a budget of 300k and the third home they show you is 340k but "an absolute beauty", ditch them. </quote> ... Copied to Clipboard!
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Board 8 > Buying a house (+) Yeah! (+)

Board 8 > Buying a house