Even though there is nothing wrong at all with paying rent you have to start somewhere 🤷🏽♀️ being a homeowner is definitely one of my long-term goals that I want to accomplish before the age of 30 that's why I'm in school now getting a career for myself so I will be able to afford my own mortgage working on my credit rn as we speak my credit is almost at a 620 😩😩 guarantee you by next year it will be 🤞🏾 soon as I get my credit and my income right I definitely will be putting a down payment on a house & I cannot wait that will be one of the happiest days of my life 🙌🏾🙌🏾 me and my kids standing behind a sign that says "SOLD" 😌😌
Лучший комментарий
$120,000 house
Hahahahahahahaha
That shits funny
That doesn’t even get you a trailer here.
Комментарии
My sister just got her first home. 200k for a 3 bedroom 2 bath. Less than 2k square foot. We paid for our house as we built it and have 100k in it. We did it all ourselves. It appraises for over $200k. I hate house payments and hunting and everything. 😂😂😂
Actually that’s very close to how things went for me. Keep at it!
@proudmommyoftwo_, yeah it’s crazy expensive around here. What’s still kind of decent are the prices for renting apartments. Most places are about $2,000 a month but some are still under that price for 1,000 something a month.
I pray that happens for me as well
It will sis it will manifest it 🙌🏾🙌🏾🙌🏾
I hope everything works out for you! I miss living in a house. The prices are crazy around here. A few years ago there were houses for about $600,000. Now everything around here is between 1 million to 2 million.
1 million 😳😳😬 well I'll be damn 🤦🏾♀️🤦🏾♀️
I think $120k buys you a lot to build your house on... and the cost of lumber these days....... sheesh. The building 200k-400k for a decent size home.
But for real. Get that credit up! The higher it is the better your rates will be. 620 is the minimum goal. I know to refinance here they won’t even touch it without a 720.
When you do buy a home get acquainted with the terms pre approved and pre qualified. Pre approved is the route to take. Because you won’t set yourself up for disappointments when you don’t get approved after finding the home you fall in love with.
Also ask your finance manager to check on first time home buyer grants that you qualify for. Might have to get an FHA loan to get the grant but hey! That’s free money towards your home. We got a 10k one and didn’t have to put anything down and it covered the agents costs!
When buying a home always get a home inspection. Make sure the sewer line gets cameraed in a older home. Make sure there are no breaks in that line. Because that’s a hefty bill for homeowners. (10k-20k easy to repair a sewer main) make sure the HVAC is properly inspected. Don’t get a system that is 25-30+ years old. That’s about breakdown and replacing time! Full HVAC systems are 7k-10k depending on size your home needs. Bigger homes need bigger equipment, more money.
Make sure the water heater and piping is inspected. Old homes with cast iron pipes, hard water build up sounds like a broken water lines and backed up drains. Just make sure they are in good condition.
Finding a good home inspector is key. Someone who really loves doing what they do. Getting referrals from real estate agents would be a good start. Word of mouth is always the best way to find a company you can trust.
There’s so much more that goes into buying a home. But these are some main things I would be looking at when purchasing.
@proudmommyoftwo_, don’t let it scare you! It’s a huge and exciting time in life when you buy your first house!
@proudmommyoftwo_, I can’t stress proper home maintenance though. It really matters. I think it should be something mortgage lenders go over when they are dealing with first time home buyers.
@proudmommyoftwo_ ty. We decided in 2002 it was time for a house.
3bdrm 2bath houses are $400k in my area... so this definitely doesn’t apply to everyone
Where in the world can you get a 3b/2b house for only $120k? 😱😱😱 I wish! I’m in So Cal and for a house like that you’re looking at $500k or more if you want it in a nice area. We’re moving out of state in the very near future because it’s impossible to live here.
In South Carolina you can 😌😌 I just seen some on Zillow I'm mad 😩😩
Homes are crazy expensive right now. In our area everything is going thousands of dollars over asking price. Everyone is buying interest rates are low and I've heard will likely stay around the 2% until at least the end of the year.
The house right next to me has a tiny lot, no central heat or ac and it's not more then 16000 sq ft. It was sold 2 years ago for 110000 they are putting it on the market for 190000 and I bet they get it. Making my husband and I strongly consider putting our house on the market in hopes to build in a year or two.
Aaaawww its definitely possible girl yall gone get it watch 🙌🏾🙌🏾🙌🏾
Lol yes if only homes were that much in my area. Houses are really expensive in CT. Like 350k + for a two bedroom. In some cities the average is like 600k+.
Omg that's sooooo muchhh you gotta be rich rich or something to get one of those 😅😅😅😅
@proudmommyoftwo_, its ridiculous! We need to move 😭
But go girl, you will reach your goal!
$120k doesn’t even get you a condo here...... my house is 3 bed 1.5 bath, 1050 sq ft and appraises for $550k.......
And don’t even get me started on property taxes
Depends where you live and what your looking for in my area there is homes for 120,000 but they aren’t the best looking and not in the best area , but for about 210,000 I found a beautiful 4bd 3 baths , 2 car garage and finished basement. We’re working on our credit and hopefully we can find something similar when we are ready 😭
Yessss its definitely possible girl 🙌🏾🙌🏾 I live in the country so everything out here this way is pretty much affordable and decent it least the ones I seen so far .
@proudmommyoftwo_, I live in Georgia so it’s pretty cheap down here too but I’m in the city about an hour from Atlanta so it’s a little pricier than the rural areas around here
@madrex2, omg your close to me 😩😩😩 I'm like 45 minutes from Augusta I have got to come see you one day .
You could get a condemned shack where I live for that. Most homes are 200-400k 😩
Oh wow lol South Carolina is pretty affordable and their houses are sooo beautiful I wish I had the money to be like here you go lol
@love_linds, Yes girl and that one is $120,000 😩😩 I'm going to stop playing with my emotions 😭😭 I just had to see how much houses are down here more affordable than I thought .
We built our 3 bed 2 bath home for $165,000 & that was with my hubs & buddies doing ALOT of the ground work...but it appraised for $257,000. Idk where you can find a $120,000 home that’s more than 1bed 1bath. Lol But agree with the rent thing. I paid rent for about a year before my hubs & I moved in together & that stuff was for the birds. It’s like just throwing your money away & not gaining any ground. It’s hard out there, sis! You’ve got this though!!
@love_linds, Yes sis its only up from here 🙌🏾🙌🏾🙌🏾 I still got time I'm only 25 but I know once I finish with this program & get a good job oh its on and popping 😅
@proudmommyoftwo_, oh yeah!! You’re still young!! You’ve got this for sure!! I’m going to be 31 this year...basically feeling ancient over here LOL 😂
@love_linds, Your still young to girl it least you accomplished that goal that's how I'm trying to be when I hit 30 a homeowner 🙌🏾
$120,000 house
Hahahahahahahaha
That shits funny
That doesn’t even get you a trailer here.
Oh dang I guess it depends on where you are lol but $120,000 shoot that ain't bad at all forreal that's a steal .
@proudmommyoftwo_ yep. I have a 2500 square foot house for less than $70k. In a very safe area. With things to do close by.
Rent is insane, it's no wonder people have such struggles. We definitely need to be teaching classes in middle school and high school about taxes, how to use credit cards, interest, investing. Something people can use!
It really is girl 😩😩😩 luckily I have a very cool loyal landlord because some landlords don't be wanting to fix nothing be ready to put you out if your a penny short all kinds of stuff man 🤦🏾♀️🤦🏾♀️
Yesterday I went out with my boyfriend went to watch a movie, me and him don't live together yet. but point is yesterday when he was dropping me off his like sleep over at my house witch the mom and dad lives. I said no,
his response was why is everyone deciding or making choices for you and their going to do the same with the baby, when I know that's not true. what he thinks is that my mom tells me not to sleep over. So he left all mad. and I felt in my heart that he went on and cheated on me...
need suggestions....
So at work we have a drink thief. Any time we put a drink in the fridge it disappears. I swear I know who it is. So far he's taken drinks from everyone that works in the office, we even put a sign to not take anything you didn't pay for and wrote our names on the drinks. The person I think is taking them works out of the office so we never get to see who is drinking them.
IUI Monday!!
So today I went in for my routine bloodwork and ultrasound, and found out that I have three follicles at 17mm! Plus another two at 15mm. When leaving the clinic my FS said to take another dose of gonal-f and come back tomorrow to check to see how big they got and that we would do the iui on Wednesday. Well, after getting home, taking my gonal-f and going out to shovel snow (lol) I get a call saying that I am SURGING!!! I haven't ovulated on my own, or even come close to it in years...
For Fun
With most of us in a sleep regression or exhausted from being working moms, or just plain bored I figured it would be fun to get a little game started... so who's up for 2 truths and a lie? It's easy.. you post 3 facts about yourself, 2 true and 1 lie and when you guess you post yours here's mine:
I think $120k buys you a lot to build your house on... and the cost of lumber these days....... sheesh. The building 200k-400k for a decent size home.
But for real. Get that credit up! The higher it is the better your rates will be. 620 is the minimum goal. I know to refinance here they won’t even touch it without a 720.
When you do buy a home get acquainted with the terms pre approved and pre qualified. Pre approved is the route to take. Because you won’t set yourself up for disappointments when you don’t get approved after finding the home you fall in love with.
Also ask your finance manager to check on first time home buyer grants that you qualify for. Might have to get an FHA loan to get the grant but hey! That’s free money towards your home. We got a 10k one and didn’t have to put anything down and it covered the agents costs!
When buying a home always get a home inspection. Make sure the sewer line gets cameraed in a older home. Make sure there are no breaks in that line. Because that’s a hefty bill for homeowners. (10k-20k easy to repair a sewer main) make sure the HVAC is properly inspected. Don’t get a system that is 25-30+ years old. That’s about breakdown and replacing time! Full HVAC systems are 7k-10k depending on size your home needs. Bigger homes need bigger equipment, more money.
Make sure the water heater and piping is inspected. Old homes with cast iron pipes, hard water build up sounds like a broken water lines and backed up drains. Just make sure they are in good condition.
Finding a good home inspector is key. Someone who really loves doing what they do. Getting referrals from real estate agents would be a good start. Word of mouth is always the best way to find a company you can trust.
There’s so much more that goes into buying a home. But these are some main things I would be looking at when purchasing.