June 20, 2012 at 10:37 am #30746
I started off my post-work morning with a fantastic phone call from the banker. I’ve been pre-approved for $100k mortgage! And I don’t even need a down payment or closing costs because I qualified for the USDA Rural Housing program. I’m so stoked. It’s been my dream for many years to play frisbee with my pit bull in my very own backyard. I always thought I’d do it with my ex but there’s no time like the present to improve my own life right?
So I’ve officially decided not to move out of Ohio. As nice as it would be to live by the beach where it never snows, I think it would stress me out to be in a busy city packed with people and also quadruple my cost of living. And I really hate apartment living. I hate it with a passion.
Let the house hunt begin! Actually I’ve already picked out a couple on the realty agency’s website that I want to look at.June 20, 2012 at 10:43 am #30752
That’s great news! It’s amazing how much life can change in such a short amount of time. Good luck house hunting! And hopefully we will see your place on DW.June 20, 2012 at 10:59 am #30754
When I find a house and get it all set up, I will definitely submit a DW home tour
I’m seriously in love with this house right now. I’m definitely arranging a showing on my next day off.June 20, 2012 at 11:06 am #30756
Seriously?? 92K?!?? Holy shit, that’s cheap!! Real Estate around Philly is so F’ed up, it’s not even funny.
If you like that house you should totally put an offer on it. It’s really cute and it looks like it’s in great shape from the pictures I saw. Love the little gazebo!June 20, 2012 at 11:14 am #30759
Yea I like that house too! Yay!!June 20, 2012 at 11:28 am #30766
I love the gazebo too. And yes, houses are dirt cheap in Ohio just like everything else. That’s a big reason I’ve chosen to stay here. My experience living alone so far has been stress-free financially because everything is so cheap here and I make decent money.
But of course if you watch HGTV you know never offer the full asking price! I would try to get that house for $80k. But first I have to go see it in person, and I also want to see what other houses my realtor finds for me in my price range. I’m so excited to pick out my own house. Strangely, it makes it more of an adventure to do it alone because no one has to “approve” my home choice except the inspector.
I feel awesome that I’m getting so far in my single life already. My ex is nowhere near where I am in terms of life goals right now, and I do feel bad for him because I still love him…but at the same time it makes me feel like I’m a strong go-getter woman who can accomplish anything.June 20, 2012 at 11:29 am #30767
*just shrieked and danced around the room at the thought of “my realtor”* It feels so grown up!!June 20, 2012 at 12:00 pm #30772
Just wait till you’re at your closing… It feels surreal… I couldn’t believe that I was actually grown up enough to buy a house!!June 20, 2012 at 12:56 pm #30789
Yay, good luck Anna, I’m excited for you! And I love the gazebo!June 20, 2012 at 1:06 pm #30790
Congrats! I agree with bethany that I didn’t even believe I was grown up enough to buy a house. I still walk in sometimes and just look around and say “hey… this is mine. Actually mine (well, and the banks. And my mom’s since she owns half – its a duplex).”June 20, 2012 at 3:26 pm #30804
Oh my it’s huge – and under 100k! I lived in a house 5 years ago and it was a lot of work. … You sure you want to burden yourself with that?! I’d opt for a townhouse or condo. … And are you sure you want to tie yourself to Ohio? There are lots of cheap places. Florida’s not too bad, right? I know you have a sister there… Take all this with a grain of salt because I too am home-hunting! I’m going to see a few places on Sunday. I have a long list of demands though, so I probably won’t find anything quickly. I want all of the following WITHIN my price range *and* in a trendy area of town: garage, private rooftop, 3 bedrooms, top unit in a 3-flat or a duplex up, front porch, and that’s all… Wish me luck.June 20, 2012 at 4:05 pm #30812
hey anna i don’t know if you saw my post in the other thread, but you should make sure your realtor is really familiar (and your lender!) with the rural housing program. we were going for a home with that program and ended up losing it do to some things the lender didn’t realize before applying, mainly that because it’s a federal program there is a crazy back log so it may take them up to a month to approve your application once it reaches the rural housing program. the best piece of advice i have is to assume it will take way longer to get in the house than it would if it were a normal fha loan because of the fact that it has to go through underwriting with your bank as well as rural housing. oh and i’m pretty sure the guidelines are the same across the board and they will pay 6% of the homes value in closing costs, just so you have an idea of about how much money you have to have at closing! good luck and if you need any advice while you’re working on the rural housing loan let me know, it’s definitely a little more difficult than the average home loan. but, it’s an awesome program and i’m glad you’re getting to utilize it! it’s nice living in a rural area sometimes!June 20, 2012 at 4:10 pm #30813
I just bought a condo last week!! Although since I live in a pretty big city my mortgage is sadly quite a bit larger! haha…good luck!June 20, 2012 at 6:21 pm #30826
Awesome news Anna!!June 20, 2012 at 7:09 pm #30836
We have a house under conditions – we have till August 1 to sell my condo for it to happen!! Already getting nervous and it’s only been two days… wish us luck!!
Also make sure you get a home inspection – not only is it an out if something really big comes up (foundation, eep) but you’ll get an idea of what might need to be done in the next few years to plan for that as well…
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