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InvisibleOneMoreRobot3021
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Loc: the sky
Re: Buying A House! [Re: Hitman203]
    #6344046 - 12/07/06 10:31 AM (17 years, 1 month ago)

Quote:

Hitman203 said:
art who cares lol.




:foreheadslap:


--------------------
Acid doesn't give you truths; it builds machines that push the envelope of perception. Whatever revelations came to me then have dissolved like skywriting. All I really know is that those few years saddled me with a faith in the redemptive potential of the imagination which, however flat, stale and unprofitable the world seems to me now, I cannot for the life of me shake.

-Erik Davis


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OfflinemndfreezeMDiscordReddit
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Re: Buying A House! [Re: goobler]
    #6344104 - 12/07/06 10:56 AM (17 years, 1 month ago)

Quote:

goobler said:
taste?


come on now




I get no love on anything I post.  :sad:


--------------------
Nothing says love like grannies prolapsed anus!

quote]Urb said:
I know... Its fucked up... Ill fix it minyana..[/quote]


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InvisibleLiz
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Re: Buying A House! [Re: OneMoreRobot3021]
    #6344303 - 12/07/06 11:56 AM (17 years, 1 month ago)

Quote:

OneMoreRobot3021 said:
Quote:

Hitman203 said:
art who cares lol.




:foreheadslap:




:foreheadslap: x 2!

Luckily my boyfriend's family has more furniture/art than we could ever use to fill a 3500 sq foot house with.  They have an entire HUGE storage unit filled with house stuff - couches, tables, beds, artwork, etc, all stuff fro houses they've sold, the stuff leftover that they couldn't cram into their other houses :lol: So we'll be hooked up in the furnishings category.  Plus, IF we buy the place, we're going to be living in the 3 bedroom unit, not the huge one, because we have no need for 5-6 bedrooms right now, and can rent that for a ton of money to help with the mortgage payment.
:thumbup: :thumbup:


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.




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Offlinefireworks_godS
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Re: Buying A House! [Re: mndfreeze]
    #6344345 - 12/07/06 12:03 PM (17 years, 1 month ago)

Sounds sweet! You'll have to set up one hell of a ferret room. :wink:

We are renting a three bedroom home right now, for $750 a month. I'm beginning to feel that this money should be going towards ownership. Ideally, I would love to negotiate with the real estate company that owns the place for a contract for deed, but if they are able to get this much money from us each month just to be here, why would they want to do that?

Regardless, I'm working to build my credit with truck payments. Now would not be the time to start thinking about buying a house because I'm just now starting to take responsibility for our financial situation (we make enough money to live here, pay our bills, take care of our animals and our vehicles, and live comfortably enough, yet we are often careless with our money). In one year, I'd like to be one month ahead on all expenses (we both get paid bi-weekly, and two months of the year (or is three?) we receive three paychecks instead of two, and that right there is quite the opportunity to get ahead (when they come around, though, we are a bit behind in bills and treat it as an extra paycheck instead of rolling with it as a one-two, one-two cycle).

Anyways, I'm in retail and am interested in becoming a salaried member of management before I move onto bigger, better things (or, at the very least, staying in retail and doing the same), and doing so would imply the possibillity of ending up anywhere in the region. Fortunately, we are not at all attached to this location....

Ultimately, we would get a loan to buy a house and work towards paying it off. If we had to move elsewhere (I also do not like the idea of being tied down to one geographic location :smirk:), we could rent to keep paying off the loan. I think that we would either be interested in getting some farmland in Iowa or some acres in southwest Wisconsin, in the forested hills.... Maybe both? :grin:

All I know is this thread reminds me of Stewie... "It's good to have land". Damn, couldn't find a picture of him in the rocking chair with his lemonade... :frown:


--------------------
:redpanda:
If I should die this very moment
I wouldn't fear
For I've never known completeness
Like being here
Wrapped in the warmth of you
Loving every breath of you

:heartpump: :bunnyhug: :yinyang:

:yinyang: :levitate: :earth: :levitate: :yinyang:


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InvisibleLiz
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Re: Buying A House! [Re: fireworks_god]
    #6344829 - 12/07/06 02:48 PM (17 years, 1 month ago)

/me sighs

so the realtor just called us to let us know that apparently an offer has been accepted on this place already.  Actually, apparently an offer had been accepted on the place before we ever went to go see it...so I'm not sure why they wasted our time bringing us there to see it if it wasn't available.  I'm really disappointed...this was a really good deal, and everything else we've got on our list to look at sort of pales in comparison.  But I guess it's partially my fault for allowing myself to get excited.  Oh well :shrug:

I guess the search continues. 

fireworks_god  if you ever want advice or whatever on credit, or buying a house, feel free to PM me.  I was in the mortgage business for 5 years so I have some good tips if you want to talk about it.


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.




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InvisibleRandalFlagg
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Re: Buying A House! [Re: Liz]
    #6344870 - 12/07/06 03:04 PM (17 years, 1 month ago)

:frown:


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InvisibleLiz
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Re: Buying A House! [Re: RandalFlagg]
    #6344889 - 12/07/06 03:12 PM (17 years, 1 month ago)

I hate it when people can't do their jobs correctly.

We never should have been brought to a house that was no longer available.

Our realtor should have told us thisright away instead of us getting our hopes up.

Blah. 

I feel like noone has a fucking clue what they're doing in this process other than me, and the woman who's doing our mortgage.  I had to explain to the realtor a few nights ago something that was printed on a listing sheet, like, what it meant, and why it was like that.  :rolleyes:  That's just stupid.

I'm frustrated with the world right now, and I hope we find a house soon.  I just have to put that one out of my mind and not compare every house I see from now on to that one, with that price.  I really just wish I had never seen it.  :frown:


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.




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InvisibleLiz
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Re: Buying A House! [Re: Liz]
    #6347481 - 12/08/06 09:19 AM (17 years, 1 month ago)

So the saga continues...

The bank that is about to foreclose on this house has decided that they want to receive multiple offers, and be able to pick one, so we're putting in an offer today.

We are doing a program that will allow us to close extremely quickly, which hopefully the bank will like, and accept our offer...but who knows.

We'll know in a week or so if they accept it or not.

/me crosses fingers

I'm going to try not to get my hopes up too much until we know what's going on.


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.




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Invisiblegoobler
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Re: Buying A House! [Re: Liz]
    #6347504 - 12/08/06 09:28 AM (17 years, 1 month ago)

well then you are bidding over the asking $$ or did you find out the balance owed?


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InvisibleLiz
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Re: Buying A House! [Re: goobler]
    #6347517 - 12/08/06 09:37 AM (17 years, 1 month ago)

No, we're not "bidding" since we don't know what the other offers are. We offered $10,000 below the asking price, and if they accept it, great. If not, oh well, someone apprently offered more than us.

We don't know the balance owed, but that is the reason the bank is reviewing all offers, because they need to make sure any offer they accept can cover the payoff.


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.




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Invisiblegoobler
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Re: Buying A House! [Re: Liz]
    #6347596 - 12/08/06 10:24 AM (17 years, 1 month ago)

tax records will show what it was bought for


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InvisibleLiz
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Re: Buying A House! [Re: goobler]
    #6347602 - 12/08/06 10:28 AM (17 years, 1 month ago)

Obviously, but tax records don't show the mortgage between then and now, and since they bought it 20 years ago, and have done a ton of improvements on it, I'd be willing to bet they've done a few cash out refinances. Since they're being foreclosed on, there's no way it's the original mortgage for the original sale price, which, 20 years ago, would have been next to nothing.

I do know what the house is *worth* though, and what it's assessed for by tax records, and it's a hell of a lot more than what we offered and what they're asking for it. So either way it's a good deal if they accept our offer.


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.




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Invisiblegoobler
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Re: Buying A House! [Re: Liz]
    #6347663 - 12/08/06 10:51 AM (17 years, 1 month ago)

best of luck


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InvisibleLiz
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Re: Buying A House! [Re: goobler]
    #6347669 - 12/08/06 10:53 AM (17 years, 1 month ago)

Thanks goobler :smile:  I hope it works out.  But I have a feeling you may be part right...I think the agent for this home is going to *try* to turn this into a bidding war, and we've already discussed that possibility.  Although the house is definitely worth a lot more than what we offered/what it's listed for, we're not going to go nuts bidding over a place.  If they don't accept our initial offer, oh well...we find someplace else and deal with it  :cool:  Thanks for your help.


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.




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InvisibleLiz
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Re: Buying A House! [Re: Liz]
    #6419045 - 01/02/07 05:08 PM (17 years, 29 days ago)

So it's been a long time since I posted in this thread.  There have been many ups and downs in or house hunt.  A few times we saw some gorgeous houses, put in offers, only to be outbid.  I kept telling myself that if it was meant to be, it would happen.

Well, I was right.  We upped our search criteria the other day by $25,000 and a house popped up in our search in a community that we thought was way too rich for us to even consider buying in.  A 2 family, on 1/4 acre of land, directly on a pond.  Dead end street, right by the center of town and all the necessary shops/conveniences, and almost no traffic on the street itself.

We put in an offer immediately after we saw it, and it got accepted tonight.  We're probably going to close on Feb. 1st, but since the 1st floor unit is already vacant, we're going to try to work something out to move in sooner - so that when my fiancee starts school on the 17th, he won't have to commute.  We can get in there, paint, clean up, replace stuff that needs to be replaced...and be settled in quickly :smile:

I'm so excited I can't even begin to describe it.  This is an awesome house, for an awesome price :smile:  The seller is apparently going through a messy divorce and needed to sell ASAP, so we're getting it for ridiculously cheap.  We're having a home inspection done on Thursday afternoon, to make sure that everything is ok, and that nothing major needs to be fixed. 

Anyways, with any luck, in a few weeks, I'll be posting from our very own house, while my pup swims in a pond in our backyard  :heart: :thumbup:


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.




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InvisibleLiz
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Re: Buying A House! [Re: Liz]
    #6482159 - 01/21/07 11:24 AM (17 years, 10 days ago)

Updating this thread!

We signed a purchase and sale agreement on Friday on this house, after some bumps in the road.  The home inspection we had done brought to light some issues that need to be resolved with the place, so we had to have some contractors/foundation experts/roofers/etc come look at the house and give us estimates to we could decide if it was still worth it.
We were also able to renegotiate the price on the house due to some of the improvements that need to be made, and finally were able to agree on all the details.  We're actually getting the house for $900 LESS than the seller paid for it in 10/04.  We got the appraisal done already and it came back perfect.  We're probably going to be able to close in about 2 weeks :grin:  I'm very excited.  My fiancee started school on the 17th, and so far his commute hasn't been too bad.  He set up his schedule so that he's not driving there or back during rush hour for the 1st semester.  Hopefully though, within about 2-3 weeks we'll be living there! Yay!  As soon as we move in, we're going to have to paint some stuff, install a dishwasher, fix a leak in the bathroom, among some other things :tongue:  It's going to be a bit stressful at times, but I think it will be worth it.  We both love the house, and the area is perfect, and the yard is too!  Our dog is going to love it there :tongue2:  Anyways, just wanted to update everyone on what was going on.  In less than a month I'll be posting from our very own home, with tenants renting from us upstairs!  :dancing:


--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.




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InvisibleTM
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Re: Buying A House! [Re: Liz]
    #6482199 - 01/21/07 11:43 AM (17 years, 10 days ago)

Ah, I've been waiting for this update! :wink:

Congrats! :smile:

You'll have to PM me your new addy so I can send you a housewarming gift. :grin:

Best of luck in all your endeavors. :heart:


--------------------
================================================



"Have some congratulatory drugs." - C. Montgomery Burns

I'll probably always do drugs, so that just contributes to the addiction to The Shroomery... It's a vicious circle of bliss. :tongue2:

TMâ„¢ :cool:


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OfflineRedstorm
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Re: Buying A House! [Re: Liz]
    #6482209 - 01/21/07 11:50 AM (17 years, 10 days ago)

Congrats, Liz. I hope everything goes great. You and Suffer deserve it. :smile:


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InvisibleLiz
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Re: Buying A House! *DELETED* [Re: Redstorm]
    #6482288 - 01/21/07 12:23 PM (17 years, 10 days ago)

Post deleted by Liz

Reason for deletion: .



--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.




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InvisibleLiz
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Re: Buying A House! *DELETED* [Re: Liz]
    #6482313 - 01/21/07 12:32 PM (17 years, 10 days ago)

Post deleted by Liz

Reason for deletion: .



--------------------
Remember, remember the fifth of November
The gunpowder treason and plot.
I see no reason why gunpowder treason
Should ever be forgot.




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