Do you have helpful ideas on buying a home?

  1. Brinafr3sh profile image79
    Brinafr3shposted 7 years ago

    Do you have helpful ideas on buying a home?

    Do you have any tips or horror stories about buying your first home?

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  2. framistan profile image55
    framistanposted 7 years ago

    My father gave me good advise on this.  He said to get a conventional loan that has no pre-payment penalties clause.  Then get the LONGEST loan you can get (most number of years to pay off.)   Then... your payments will be very LOW and you are in control more than the bank is doing this.  HERES WHY:   Every month , you have the option of paying more on the PRINCIPLE.  Just write that on the check... "apply to the PRINCIPLE."  do not let them apply it to the NEXT months payment!   Now every month you add a few bucks extra to the payment...is EQUAL to making a whole payment (because of the amortized payment amounts)   If your family never falls on hard times, you will pay off the house in RECORD TIME.   If however your family has a JOB LOSS or other tragedy... then for a few months you only make the REGULAR LOW payments.... untill you get back on your feet.  This puts YOU IN CONTROL so you have the choice to make big payments when money is good... or low payments when money is scarce.

  3. duffsmom profile image61
    duffsmomposted 7 years ago

    Know your budget and stick to it.  Get a reputable realtor and tell them your price range and DO NOT let them show you houses above your range.  Try to look at it with an inspector's eye.  If you do purchase, always have the sale contingent on an inspection.

    Remember your realtor is there to help you--but they are also working on commission  so they want to make a sale.

 
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