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File: 1550890520023.png (41.06 KB, 426x364, 1600063__safe_starlight+glimme…)

(ID: 65e793)Country code: us, country type: geoip, valid:   234152

has anyone been through the process of home buying?

if so how long does it take to actually move into the home you wish to purchase

how do you get a mortgage?

Hauptmann (ID: 10b1b8)Country code: jp, country type: geoip, valid: 1  234154

File: 1550890690460.jpg (42.04 KB, 500x391, 1360465431866.jpg)

make a stealth camper van and live in that.

Tracer Bullet (ID: bf143c)Country code: us, country type: geoip, valid: 1  234156

File: 1550890754381.jpg (64.56 KB, 520x768, 7dffaf65d37fb907336b5dbea81507…)

Aye.

Depends.

Depends.

a lost pony !piNKiEPie. (ID: d53970)Country code: us, country type: geoip, valid: 1  234157

>>234152
I did in 2000 and my gf is doing it right now.

You need two years of steady income and a good credit score to get a mortgage, also a downpayment of at least ten percent (20 preferred) plus closing fees. Lots of lenders will only accept W2 income to qualify and while there are government zero-down assistance programs, they are by local cities n counties only and most of them dont actually have any money.

(ID: 65e793)Country code: us, country type: geoip, valid: 1  234169

File: 1550891379056.png (550.34 KB, 686x687, 79878098909.png)

>>234154
does seem pretty comfy

>>234156
makes sense

>>234157
it's 30 years to pay off the mortgage, right?

Hauptmann (ID: 10b1b8)Country code: jp, country type: geoip, valid: 1  234174

File: 1550891556454.jpg (147.1 KB, 640x480, 1361502890091.jpg)

>>234169
urban camping seems fun.

Chain!Wall.j2i4Y (ID: c2c286)Country code: us, country type: geoip, valid: 1  234176

>>234169
>it's 30 years to pay off the mortgage, right?
It depends. There are also 15-year mortgages available.

Chain!Wall.j2i4Y (ID: c2c286)Country code: us, country type: geoip, valid: 1  234181

>>234152
>if so how long does it take to actually move into the home you wish to purchase
That depends on a lot of factors. Once your offer has been accepted, usually it takes at least a month if you're getting a mortgage. The average time is 46 days according to
https://thelendersnetwork.com/how-long-does-it-take-to-close-on-a-house/

Mk17 (ID: e056a7)Country code: us, country type: geoip, valid: 1  234182

File: 1550892503051.png (290.21 KB, 476x599, 2562345.PNG)

>>234152
When I prepared to buy my house, i had good credit, but not much "credit history" because i didnt play with loans or credit cards much, and when i did, i paid them off right away.

So first i had to take out a credit card, max it out, and make minimum payments for a few months, because thats what the mortgage people wanted to see. It gave me "credit history".

My credit score was about 640ish when i got my mortgage. I used a program like what LP mentioned, a 0 money down state program, the conditions being that i cant rent the house for 5 years, and i cant sell it for 10. If i sell it before 10 years, i owe money because the program also includes being able to claim the mortgage interest on my taxes, like a student loan, if i sell before 10 years, i owe all that money back. They also approved me for like 250k, but that was WAY more than i could afford and still have a life to speak of, but they assured me i could afford it, but they dont take into account any bills aside from the mortgage when they do their calculation, and i think that gets people fucked and the bank with a house to sell. So i spent a little less than half that.

The actual process sucked. From finding the house, to living in it took about 5 months. My closing kept getting pushed back because the seller sold, before they had a plan on where to go. At one point, she said she was ready, assured the closing would be on the date agreed upon, so i put in notice with my landlord, then she decided to push it back another 3 weeks, leaving me homeless. Another reason it was getting pushed back is because a condition of the sale was i requested that the seller pay the closing fees, and pay for the house to be connected to the sewer system, both of which she procrastinated doing.
Those 3 weeks passed, and now sewer connection was made and she said she needed another MONTH. I was living in my car, and on the floor at work at the time, so when i real estate agent told me this (like it was no big deal) i told her "okay, tell the seller im backing out of the deal, she can keep the house". My real estate agent got all flustered and started talking about all the work everyone has been doing over the past few months and how it would all be for nothing and i basicly said "yeah that sucks, but if im not moving in by next friday, the deal is off" and then SUDDENLY phone calls were getting made and sewer connections were going in and closing fees were getting paid haha. (i actually went and helped dig the trench and install the sewer pipe because i just wanted it DONE).

So yeah, like anything else, big pain in the ass, but worth it once you are sitting in the house that you own.

(ID: 65e793)Country code: us, country type: geoip, valid: 1  234184

File: 1550892686768.png (317.65 KB, 699x768, 8978987978978.png)

>>234174
it does

>>234176
those likely cost a lot more im sure

>>234181
that long? damn...

>>234182
man, just by reading all this kinda makes it seem easier to just rent

but owning something would be much better id think

Mk17 (ID: e056a7)Country code: us, country type: geoip, valid: 1  234191

File: 1550893139840.png (221.33 KB, 396x369, s5df4hg54sdf.PNG)

>>234184
Its not harder, or easier, it just takes more time.

My advice is always to own if you can, like if you know you will be staying there for a while. Building equity is always better than just paying rent away, though, there are a lot of extra costs with home ownership aside from the mortgage, like maintenance and utilities.
Your heater breaks in an appt, call the landlord, their problem... heater breaks in a house, thats your problem.

Chain!Wall.j2i4Y (ID: c2c286)Country code: us, country type: geoip, valid: 1  234194

>>234182
>So first i had to take out a credit card, max it out, and make minimum payments for a few months, because thats what the mortgage people wanted to see. It gave me "credit history".
>max it out
Nani? I've always paid my credit card in full each month and I have an excellent credit score. Carrying a balance on a credit card is expensive. The important thing is having a credit card account and paying your bill each month on time. There's no need to carry a balance. In fact, having a high debt-to-limit ratio can hurt your score.

(ID: 65e793)Country code: us, country type: geoip, valid: 1  234196

File: 1550893618898.png (131.8 KB, 293x362, 64564587867.png)

>>234191
and you also have to pay property tax which can be pretty hefty in some states

Mk17 (ID: e056a7)Country code: us, country type: geoip, valid: 1  234197

File: 1550893708961.png (201.74 KB, 464x557, 4561354.PNG)

>>234194
>There's no need to carry a balance. In fact, having a high debt-to-limit ratio can hurt your score.
Yup, thats why my credit score went from around 725 to around 640, between the debt ratio and the consent hard checks on my credit, dropped like a rock.

But its what they said they wanted to see, who was I to argue? I had to cash to pay it off at any time, so as soon as i closed, i paid it off, and also i bought my truck because a piston in my car shot through the block the day of the closing haha.

I think it didnt come down to the score, so much as it came down to the history. I didnt have a CC or a loan for about 6 years before i applied for the mortgage, so they wanted to see me make some payments on something before saying yes.

>>234196
Property tax and insurence is normally covered by the mortgage. For instance, my mortgage is ~650 a month, where as i end up paying ~1085.

If there was PMI, that would be included in the mortgage too, but i didnt require that.

These are also things they dont factor in when they tell you how much you qualify for, which gets people into trouble.
This post was edited by its author on .

(ID: 65e793)Country code: us, country type: geoip, valid: 1  234203

File: 1550894370075.png (331.05 KB, 731x768, 989898797844.png)

>>234197
didnt know that

well, thats good it is included

man, it makes me sad that i fucked up my future...

Mk17 (ID: e056a7)Country code: us, country type: geoip, valid: 1  234215

File: 1550895360308.png (352.79 KB, 618x638, 32452345.PNG)

>>234203
You didnt fuck up your future, you still have like, twice your life time left to live.

The only thing that is fucking up your future, is deciding your future is already fucked up.

(ID: 65e793)Country code: us, country type: geoip, valid: 1  234218

File: 1550895563328.png (354.82 KB, 536x599, 8768678698978.png)

>>234215
i just wish i had made better choices like going to school like everyone else did

Mk17 (ID: e056a7)Country code: us, country type: geoip, valid: 1  234221

File: 1550895712547.png (40.92 KB, 945x945, Trixie shrug.png)

>>234218
I didnt go to school.

Anonymous (ID: d9658c)Country code: us, country type: geoip, valid: 1  234226

File: 1550896049205.jpg (33.29 KB, 640x459, 9885c18f26649b87e6f8bb5ae9389c…)

>>234218
I went to school, still fucked up my life. Think of all the time you didn't waste getting a degree you didn't use!

🐈🐈Dodger🐈🐈!FGiFL0Ecls (ID: 4719b0)Country code: windows9x.png, country type: customflag, valid: 1  234230

File: 1550896571684.png (150.48 KB, 455x374, Chocolate 02.png)

>>234226
You go to school to get pussy

Anonymous (ID: 2407d3)Country code: us, country type: geoip, valid: 1  234233

File: 1550896791004.jpg (75.31 KB, 1280x720, bloodsuckers.jpg)

I asked an older sister to recommend an honest Realtor she had worked with. They made it relatively painless.

Strictly speaking, I didn't get a mortgage, since I didn't have any credit. Not "bad" credit, just none. I made due without getting entangled in Credit Agency bullshit until I was 30.

My sister (a different sister) took the mortgage in her name, but I've been paying all the bills and stuff. Sis has great credit and I understand we got an excellent Interest Rate, but still, the columns marked "Interest" and "Principal" on each bill seems close to extortionate. I'm sorely tempted to pay it all off all at once, but I'm not sure what liquidating that kind of assets would do to my taxes. I also started building credit with a basic secured card, though I quickly learned that dealing with credit agencies is more headaches than it's worth (the Equifax breach is just the tip of the bullshitberg). I have a decent credit score now, but I still froze all my credit files and intend to keep them that way.
This post was edited by its author on .

Anonymous (ID: 8a9b99)Country code: us, country type: geoip, valid: 1  234240

File: 1550897132046.png (373.47 KB, 582x1372, eve___not_by_me__by_cratedchee…)

>>234230
can confirm

(ID: 65e793)Country code: us, country type: geoip, valid: 1  234242

File: 1550897257920.png (216.09 KB, 417x470, 987978090.png)

>>234221
you're doing pretty okay at least

>>234226
yeah, i guess so

and i dont have to worry about student debt

>>234233
jesus, the whole credit system seems like a pain in itself
This post was edited by its author on .

a lost pony !piNKiEPie. (ID: d53970)Country code: us, country type: geoip, valid: 1  234245

>>234242
I didnt go to school AND i have student debt.

I got into one of those fraudulent programs that ran up a buncha federal loans, didnt result in either the promosed AA degree or work certificate, AND everything they taught me was misinformation.

Ba-Zingg!

(ID: 65e793)Country code: us, country type: geoip, valid: 1  234251

File: 1550897845134.png (333.1 KB, 750x768, 5654676587.png)

>>234245
well that fucking sucks...

Anonymous (ID: 2407d3)Country code: us, country type: geoip, valid: 1  234255

File: 1550898395482.jpg (9.58 KB, 224x224, queen leech.jpg)

Mk17 (ID: e056a7)Country code: us, country type: geoip, valid: 1  234265

File: 1550899221557.png (168.92 KB, 335x371, 7tg8y98.PNG)

>>234242
>you're doing pretty okay at least
We'll see, i still have plenty of time to fuck up my future haha. But im prepared to lose it all to give life a shot.

I think if you sketched out the highs and lows of my life you would end up with a cardiogram.

The P wave is ponies! the R wave would be my dog, Rhody

(ID: 65e793)Country code: us, country type: geoip, valid: 1  234268

File: 1550899521004.png (617.07 KB, 878x768, 65465487697.png)

>>234265
dude, i just want to live in peace

Mk17 (p-hone) (ID: cc74a7)Country code: us, country type: geoip, valid: 1  234353

File: 1550944288042.png (166.61 KB, 359x366, 655600145003.PNG)

>>234152
OP pic is obnoxious levels of /comfy/ btw.

I just like lookin at it.

Mikie(phone)!GlimDubEqI (ID: a3d8c0)Country code: us, country type: geoip, valid: 1  234354

Maroon Auburn!QEUQfdPtTM (ID: 6b626c)Country code: gb, country type: geoip, valid: 1  234357

File: 1550945280369.png (165.11 KB, 446x324, 20180608_092555.png)

>Wanting to own your own home as opposed to just renting a flat/apartment

Ok I'll admit I'm just jealous that I will probably never own a house and will always live in small apartments that I rent and never fully own.

I mean, most houses in my city tend to cost between 150-250 thousand, I mean I'm not just pulling that money out of thin air... sadly.
This post was edited by its author on .

Mikie(phone)!GlimDubEqI (ID: a3d8c0)Country code: us, country type: geoip, valid: 1  234359

>>234357
Are they all giant homes?

Maroon Auburn!QEUQfdPtTM (ID: 6b626c)Country code: gb, country type: geoip, valid: 1  234361

File: 1550945978389.jpg (1.67 MB, 3264x2448, SeacroftSemis.jpg)

>>234359

Not really, it's just a small city so most of the houses are right by the city centre.

Which means they are near to all the shops etc which greatly increases all the house prices and values.

There are cheaper houses, but they are mile away and in the middle of nowhere. I live quite near to a lot of countryside, and by a lot I mean almost 100 miles worth of countryside with only very few small villages scattered around them, and they are mostly ghost towns and tend to be lived in by farmers and or old people who have lived there all there lives and are real stuck up and suspicious of 'outsiders'.

Anyway, Image related average two bedroom house here in England
This post was edited by its author on .

Mikie(phone)!GlimDubEqI (ID: a3d8c0)Country code: us, country type: geoip, valid: 1  234362

>>234361
Hmm, same thing seems to apply here as well

Mk17 (p-hone) (ID: cc74a7)Country code: us, country type: geoip, valid: 1  234366

File: 1550947976246.png (150.4 KB, 263x374, 9625558700.PNG)

>>234357
>$150-250k

Thats pretty low compared to around me.

I paid $135 and its a 2 bedroom 1 bath single floor cottage on the main road built in 1940 and that prob hasnt been updated since then ether haha.

Most houses around here go for $450k if they are 30 years or newer.
This post was edited by its author on .

Maroon Auburn!QEUQfdPtTM (ID: 6b626c)Country code: gb, country type: geoip, valid: 1  234369

File: 1550949112565.jpg (102.74 KB, 720x480, 720.jpg)

>>234366

Do you consider 30 years an old house? Cause' here in England most houses are 100 plus years old, unless you opt to buy one of the councils swanky new houses.

And of course we still have lots of victorian houses that are up to 300 years old that people live in, image related.

(Although in the case of a genuine Victorian or Georgian house you would probably be quite hard pressed to find one under seven figures given the history and prestige that comes with owning one)

Mk17 (p-hone) (ID: cc74a7)Country code: us, country type: geoip, valid: 1  234370

File: 1550950885332.png (360.79 KB, 933x657, 88845121.PNG)

>>234369
Well my neighbors house is about 279 years old. My other neighbors is 179 and mine is 79.

So 1740 1840 and 1940 haha.

The oldest in town i think is 1650~

There are some sweet Victorian houses around me, built when the mill in town was like... The industrial powerhouse of the world haha. In textiles anyway.

(ID: 3d40e3)Country code: us, country type: geoip, valid: 1  234374

File: 1550952666168.png (319.6 KB, 729x768, 7655476765.png)

>>234366
damn, homes up north are expensive

Mk17 (p-hone) (ID: cc74a7)Country code: us, country type: geoip, valid: 1  234378

File: 1550954121048.png (408.83 KB, 724x661, 54646513.PNG)

>>234374
Yup! And they are going up haha.

Inflate that bubble!

(ID: 3d40e3)Country code: us, country type: geoip, valid: 1  234379

File: 1550954209663.png (127.53 KB, 291x339, 86787698987.png)

>>234378
>>234378
hopefully they will become more affordable in the future

Mk17 (p-hone) (ID: cc74a7)Country code: us, country type: geoip, valid: 1  234382

File: 1550955428657.png (120.82 KB, 305x278, drt67.PNG)

>>234379
Ha!

My mom bought her house brand new, 2 story, 3 bed 2.5 bath, full basement and garage in the upscale part of the city, right by the marinas ... For 120k hahaha.

That was in 1997. Its valued at about 570k now.

So... Doubt its going down any time soon haha.

Fun fact! My grandma bought her house in 1958 for about $2500 and my parents bought their first house in 1978 for 20k.

(ID: 3d40e3)Country code: us, country type: geoip, valid: 1  234397

File: 1550958331934.png (375.81 KB, 787x693, 8987987566.png)

>>234382
it's weird how its so expensive up there

homes in south carolina are shitloads cheaper than places up north

whats the deal?

Mk17 (p-hone) (ID: cc74a7)Country code: us, country type: geoip, valid: 1  234400

File: 1550958862192.png (105.02 KB, 256x255, hjhj7887sasa.PNG)

>>234397
We have more high paying jobs because we have more major cities and a dencer popluation which makes land and housing go for more of a premium.

But at the same time we have more poverty, because the people who dont have those high paying jobs, suffer the effects on the economy. So they try to off set it by making minimum wage high and then they get replaced by self checkouts.

Just as god intended.

(ID: 3d40e3)Country code: us, country type: geoip, valid: 1  234403

File: 1550959518093.png (98.99 KB, 218x343, 545436576576575.png)

>>234400
...well shit.

man, even homes in NH are relatively pretty expensive

Hißpanon (ID: 890f7c)Country code: de, country type: geoip, valid: 1  234420

>>234152

Are you retaking your plan to move, Mike?

(ID: 3d40e3)Country code: us, country type: geoip, valid: 1  234421

File: 1550960963443.png (229.15 KB, 469x635, 54354365788.png)

>>234420
i wish

Hißpanon (ID: 5c6dc9)Country code: us, country type: geoip, valid: 1  234424

>>234421

No moneys?

Mk17 (p-hone) (ID: cc74a7)Country code: us, country type: geoip, valid: 1  234435

File: 1550963821433.png (110.73 KB, 183x295, 403073455.PNG)

>>234403
People who work in boston, but dont want to live there so they dont have to look at poor people, live in southern NH or northern RI.
This post was edited by its author on .

(ID: 3d40e3)Country code: us, country type: geoip, valid: 1  234447

File: 1550966414009.png (343.85 KB, 567x723, 90098098798.png)

>>234424
as always

>>234435
ah, that explains it


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