There is no way I could live in a condo or apartment . One in three UK millennials will never own a home – report This article is more than 2 years old. At $60k/yr that gets you $2000/mo in debt payments. 4,211. There's a few different traditional guidelines that people follow with home purchases. At the end of the day, yes you own your apartment, but you don’t own the land under it. While it's true that some homes do appreciate, so do many other assets. Housing. Add in some money for utilities and maintenance, and you're a bit above. Especially when you know you want to add in a truck purchase in about 5 years. 2014-05-21: Neverball 1.6.0. Whether you're into breaking news, sports, TV fan theories, or a never-ending stream of the internet's cutest animals, there's a community on Reddit for you. HOA fees are ridiculous. I can't tell you specifically, unless you tell me your Reddit username. Thanks! Find communities you're interested in, and become part of an online community! A bank will lend you at most ~40% total debt/income. I'm going to be commuting about 60 miles while I pay everything off and then start saving up. If your credit score is in the top tier (760+), your PMI factor should be around .2%. For someone who’s never owned a homepod; is it worth buying a stereo pair for use with my appletv 4k right now? I can tell you that you put more information about you out there than you know. There are pros and cons to both options, but the bottom line is that while your loan is important, your real estate agent is even more important. So you could end up with $1000-1500/month outside of the house obligation, and that would have to cover food, household items, gas, car insurance, and any other spending and saving you may try to do. Our shares in the home may be equal or unequal, but each of us would have a separate legal title. Save cash like a hermit until you have enough to pay off the vehicle. Is buying a good financial move? I just accepted a new job with a starting salary of a little over 60k. Foreclosures are most common due to job loss, serious medical conditions that prevent ongoing employment, serious maintenance issues with the home that a homeowner can't afford to fix, divorce, or other drivers of consumer, educational, or medical debt. The ones I avoid are those with fees of $400+ per month, I do wonder though... Do regular homes cost more despite them not having HOA's on a yearly basis? If you are injured and lose your job, the vehicle could be repossessed for lack of payment. According to the National Association of Realtors' 2017 Investment & Vacation Home Buyers Survey, about 12% of all home sales in 2017 were acquired for vacation use and 19% for investment purposes.With roughly 6 million properties changing hands each year, 1.8 million are for non-primary use. reddit Inc. Planning on buying your first home? I have a connected smart home with lights and locks etc already which i control with my watch/phone/google home mini. I have written before about how expensive our jobs are. It all depends on the situation at the time of your purchase, right now the interest rates are really low, but interest rates could go up in a few years. Second homes and properties purchased for investment purposes are big business in the U.S. This is a place for liberal gun-owners … Entertainment Weekly - Don't expect Christopher Walken to follow in Mandy Patinkin's footsteps and twerk on TikTok anytime soon, especially since the actor has never owned a cellphone or computer. For friends and fun! I should net right at about 3k a month. Thank you for the response! Wanted to give some insight into PMI. I bought it new. I know that the general advice here is to avoid it at all costs, which shouldn’t be, in my opinion, always the case. The CC minimum payment to keep a good credit score goes down as the balance gets paid down, which gives you flexibility. HOAs can levy additional fees in order to fund a project. In a condo decisions on what work to do and who to pay to do it are determined by the elected board. So hopefully when I get ready to buy I will be debt free. You are still subject to the terms of the HOA, that is everything from what color your front door can be too stupid minutia like whether or not you can smoke inside your own apartment. Christopher Walken joined Colbert on The Late Show, where he told the host that he’s never owned a computer or a cell phone: “I got to a certain age where it just passed me by.” Hey Chris? Do not get a 30 year mortgage in order to afford more home. Reddit and penises go together like peas and carrots, making this list of the website’s most insane dick stories further proof that Reddit is, in fact, the greatest place on earth. A good rule of thumb is for your house payment including principle, interest, taxes, insurance, and HOA do not exceed 25% of your monthly income after taxes (not after benefits but just after taxes). Texas has a website where you can browse some of their programs and contact a lender who specifically works with those programs - https://www.tsahc.org/homebuyers-renters/first-time-home-buyer-grants. More posts from the personalfinance community. TikTok. Facebook Lite. Smooth, fast, powerful, custom. Good point. It sucks that inflation and stagnant wages (even though this is a big raise for me) have made buying a nice home something that nearly requires 2 incomes. If we estimate utilities to run maybe $400/month (and it could be much more if you live in a place with cold winters or really hot summers and the furnace/AC runs a lot), and a few bucks for maintenance, your monthly house obligation will likely push $1600-2000/month. I’m around a 700 right now, but I’m hoping with all the debt clearing, I’ll land around 750. Your payments plus the improved condition will get you equity, so you can easily refinance to get rid of PMI, and take advantage of a 1% or better lower interest rate, which fluctuates...shop around for the lowest refinancing fees, you have good credit so dont be lazy... Get a 30 year fixed rate loan, you can make extra principal payments if you want, but if you get a 15-year loan just because you can afford it, you are stuck with the higher payment when you have a "bad year". Foreclosure is rarely a choice homeowners make willingly. As long as nothing goes wrong until settlement, it will be a great investment. (We should have seen this one coming after that guy live-tweeted a breakup .) Only if you like living 3 inches away from your neighbors. There is another town that borders this one, and I’ve seen a few houses for it in the 200-215k range that look just as good, it’d just be about a 15 minute drive and the schools aren’t rated as high. Fedilab. Condo ownership is not as simple as it is often made out to be. If the car is paid off, any monthly money that would have gone to the car payment can be added to the CC payment. On your own home you can choose to defer maintenance or to go without some improvement that isn't meaningful to you. First, let me step back and give you some context on how and why I bought a house, so we’re all on the same page here. This is going up from 35k, however my current insurance is cheaper, and the new job has a mandatory state education retirement, so according to my calculations, I’ll net about 50% more after taxes, insurance cost increase, etc. Ideally, I’d pay the card off first as it’s much higher interest, but I’m tempting to pay the truck off first instead as it’s a much higher monthly obligation. You do need to be below 80% LTV to avoid PMI but depending on your credit and being able to take advantage of the low rates, paying PMI on a 5-10% down might not be a terrible idea. On the other hand a small condo apartment is going to be smaller than any stand alone home you can purchase so for some people that makes it more a affordable. Sure. Get it from the download page and have a look at the release notes. While appearing virtually on an episode of The Late Show Tuesday, the 77-year-old actor spoke candidly to host Stephen Colbert about his avoidance of modern-day technology. Asked by the late-night host if it was true that he has "never owned a … It’s a Nissan and they are fairly reliable. You had your wits about you in the ’90s dude. Pay off vehicle, then hammer the CC... Then save for the house down payment. Pick a house that’s WELL within those ranges and you’ll be golden. It would be paid for in about 10-11 months even if I didn’t throw a single extra dollar at it, so I’m forecasting hopefully another good 4-5 years out of it. The max is 75k, which I presume to hopefully hit in a few years. But I will definitely study that advice. 80-10-10s are barely worth it especially at your income level and financed amount. I plan to have no debt when I purchase, and keep my truck until the wheels fall off, but I currently have no down payment money either. Even once I start, it's going to take quite a while to pay everything off and then get a sizable emergency fund and down payment. Fixtures might need chan… Nothing major. In the big picture, it's important to get a good house in a good location. Long-time contributor Cheeseness has put together a poster and an introductory video to celebrate the release. Seems like it could be a little tight on the budget, and not leave a lot extra per month. 108k members in the liberalgunowners community. 75.7k members in the Dodgers community. You might end up with a screaming child right next to or above you and walls are thinner than townhomes. I keep peeking into Redfin (properties app) and I always see condos under 80k, I never owned a home and I was wondering what would be the best first time owner programs for me a resident of Texas that does not make a lot of money but my credit is in great standing and no debt. I just sold an off-road UTV for about the same I paid for it, and eliminated that payment, as well as took the surplus $3800 and paid it on a credit card balance. We’re talking about computers, not TikTok. The interest rate on it is about 2.5%, the interest rate on the card is about 20%. Be careful. So hopefully within about a year. An ad-free Twitter like never before. A first-time homebuyer has not owned a home in the past three years. Foreclosures are most common due to job loss, serious medical conditions that prevent ongoing employment, serious maintenance issues with the home that a homeowner can't afford to fix, divorce, or other drivers of consumer, educational, or medical debt. I’m completely guessing here, but let’s say your monthly debt requirements on the loans you mentioned is around $800/mo, then the bank will only give you a mortgage with a monthly payment (principal +interest +taxes +insurance +PMI +HOA) of $1200/mo. A year after becoming a first-time homeowner, Reddit user Tuttifrutty shared some tips for … The thing about a condo is that some of your expenditures are determined by a democratic process. In general, foreclosure only occurs when there are no other options. Gun-ownership through a liberal lens. Thanks for the insight! Please only post if you are looking to share your wife and your zip code. Those are loan options for broke people and no don't really put you better off than PMI. Christopher Walken Has Never Owned A Computer Or A Cell Phone brobible.com - FrancisEllis. J.D. While you’ll find lots of tips from real estate agents and banks, it’s also wise to listen to people who’ve been in your position. So yes, I am all aboard team bought-a-house – but you don’t need to buy a house to save money, earn money, or be a “real adult”. Ideally on a 15 year fixed rate mortgage, not a 30. Press question mark to learn the rest of the keyboard shortcuts. That being said, I'm from MI and the rules likely aren't exactly the same but they look similar. There are a lot of online calculators to help you determine your affordability and also see a complete picture of ownership. If you crunch the interest paid between the credit card and the truck, theres not a huge difference. Reddit is home to thousands of communities, endless conversation, and authentic human connection. Appearing via Zoom to talk about his movie Wild Mountain Thyme on The Late Show, Walken told host Stephen Colbert, "Somebody had … Foreclosure is rarely a choice homeowners make willingly. I’ll have the mandatory retirement coming out, and I want to contribute enough to get the optional 403(b) match. Once I’m completely debt free, I’ll start establishing my savings and looking for a house. First-time homebuyer status makes it easier to get your foot in the door through low down payments and grants. In 2016, 68% of buyers aged 62-70 financed their home. Reddit (/ ˈ r ɛ d ɪ t / , stylized in its logo as reddit) is an American social news aggregation , web content rating , and discussion website. I know here, a lot of buyers using some of our first time home buyer programs have trouble finding condos that are eligible to purchase. Shop around for different settlement companies if you can, some are a little more flexible than others. Fedilab is a multifunctional Android client to access the distributed Fediverse. Offered by: redditenhancementsuite.com. Reddit (/ ˈ r ɛ d ɪ t / , stylized in its logo as reddit) is an American social news aggregation , web content rating , and discussion website. Well, my reasoning is for the 80-10-10 to get in a home sooner, is that I would save a ton in gas and vehicle maintenance. Dive into anything. Suffice to say, when you write that check, you’re never going to see that money again. Then I can tell you how the breadcrumbs connected in your case. When we owned a home, there were things that kept us awake at night, the stream of needs and the price tags tethered tightly to them, not to mention the … In the mean time, see you on Reddit, Steam or Github (links below). We pay a heck of a lot more money than we think to work (think about work clothes, food, cars, fuel, commutes, etc), and our homes work in much the same way. There’s all sorts of grants and free money out there for first time homebuyers. The veteran actor, now starring in Wild Mountain Thyme opposite Emily Blunt … Reddit is a network of communities based on people's interests. Landscaping needs maintenance. Christopher Walken says he's never owned a phone or computer NME - Ella Kemp. Depending on taxes and insurance, your monthly net income might be around $3000-3500, depending on your deductions and exemptions. But I've been living at home with my parents for the last several years and it's killing my self esteem to be 32 and living at home. My truck is already about 5 years old. Throughout our stay (and especially when we move out), walls need painting. However, I’m not sure how much house I will be able to afford. If I were to pay off that 80k condo in full I would just have to pay the monthly HOA, monthly taxes and monthly insurance for life right? I believe that in this current housing market, it makes a lot of sense to shop for bank-owned homes or foreclosures; bank-owned homes will go a LOT smoother than short sales. Some say I NEED 20% down to avoid PMI, others say I can do an 80-10-10, and others still say put down the bare minimum to get the loan and just pay the PMI. Special assessments for big ticket items. Christopher Walken joined Colbert on The Late Show, where he told the host that he’s never owned a computer or a cell phone:“I got to a certain age … Facebook. On a loan amount of $200k, that’s $34/mo. But you definitely have fair points to consider. My home was a short sale, and it took around four months to finally get my offer accepted. (Author's note: This article was originally posted on September 27, 2013. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. You can’t choose your neighbors. Join our community, read the PF Wiki, and get on top of your finances! I’ve read conflicting information on the down payment. I was just hoping that maybe someone could help me crunch some numbers. Be aware that most condos are part of HOA developments, which is an additional fee on top of your mortgage, insurance, and taxes. Because even when you sell the house later you’re just going to take that money and put it into another downpayment. Many have washers and dryers. I live in a relatively low COL state, so I can see myself staying in this position for a good while, assuming everything “jives” when I get in the office. Spend the next few years fixing it up. In general look at the total cost of ownership. So I think you are on the rich side of home values for your income. Thanks for the A2A. Homes need appliances like refrigerators, ovens, stoves, and microwaves. Thanks! Will have to wait and see. Neverball 1.6.0 is out now! I’ve never been here, but it feels like home. General rule is about 3x income for the financed portion of the house, so you could reasonably go to $180K financed without stretching yourself too thin. I plan to commute the first 6-12 months and take every spare penny and pay those off. You can declare bankruptcy on a credit card, which will haunt you, but...it is an option. tschneider. They can tell you what the situation around you is. Research shows that it may be easier to afford a "pre-owned" starter home. So if you buy a $400,000 home, just say goodbye to $100,000 that you worked hard for. Again, at $60k/yr that’s $1500/mo. This leaves me with about 6k in CC debt, 3.5k in a federal student loan, and about 5k left on my truck. If you choose to contact a lender, I would let them know you're interested in condos. Just because you’ve paid off the mortgage on the place doesn’t mean you don’t have obligations. As investments go, it's not always a great deal. Lights need to turn on. As far as loans, conventional are the best (or VA) usually followed by FHA. I just accepted a new job with a starting salary of a little over 60k. They are both going to be paid off, so which do you pay off first? Thanks for the perspective and figures. Press J to jump to the feed. Buying a $250k home with 20% down ($50k) would run around $1150 for mortage/taxes/insurance. I am reposting it here today as part of the dialogue about renting and homeownership that … A married man had Reddit captivated this weekend as he live-blogged his discovery that his wife was cheating on him. Reddit Enhancement Suite is a community-driven unofficial browser extension for Reddit. I promise. Condos aren’t really great unless they’re absolutely in an area where you want to be. Please note that RES is specifically designed to work on OLD reddit. Could you do it? In a TIC, there's no right of survivorship, so the home doesn’t go to the last surviving owner. Because even when you sell the house later you’re just going to take that money and put it into another downpayment. You still have property taxes to pay, the HOA fees. My take is that...if you keep the vehicle for ten more years, you will no longer have that payment for ten years if you pay it off. I don't think it will take too long to pay them off, maybe 2-3 months for the card and 2-3 months for the truck or maybe a little longer like you say, since it's almost non-existent interest. If you could only put $25k down, the PMI would push the monthly payment up to about $1350/month. But if the taxes/utilities fell on the higher end, it might be tight. Nor could I stand to live in a house with an HOA, More posts from the povertyfinance community. I could buy a second beater car with better gas mileage, but either way I anticipate my work commute expenses to triple from what they are currently. The vehicle payment is the same whether you owe three years or three months. Let's just say the vehicle and CC can both be paid off in one year. 80-10-10 is two mortgages in essence. Reddit Enhancement Suite. ... Home Extensions Reddit Enhancement Suite. If you're planning to take out a mortgage to make your home purchase when you're in … Technology should help to bring people together. Homes also need working plumbing. In general, foreclosure only occurs when there are no other options. Financial advice, frugality tips, stories, opportunities, and general guidance for people who are struggling financially. Junglee A shopping service launched by Amazon in India in 2012 where customers can find millions of products, read product and seller reviews, and check prices across a wide variety of product categories. Explore millions of awesome videos and pictures in an endless random gallery on Scrolller.com. I'd make the minimum CC payment plus round it up to the next $100. Christopher Walken has admitted he has never owned a phone or a computer. They will also only lend you up to where that monthly mortgage payment is ~30% of your gross monthly income. A site owned by Amazon aimed at providing content and reviews about digital photography gear across the world. Wife to share in 46383, and surrounding areas. In general you can find a home for equivalent cost, but there’s slightly more upkeep in most cases. In some cases a simple majority could almost double your fees. Reddit. Reddit community for fans of the 2020 World Series Champion Los Angeles Dodgers. Most functionality will not work on the redesign. There's a bit of debate about whether you should talk to a lender first when you decide to buy a home or to a real estate agent. Zillow and NerdWallet are very good. Never owned a home before, trying to figure out a budget. Press J to jump to the feed. Rucker/CC BY 2.0. I personally would recommend someone put 20% down and avoid PMI. You can do work yourself or look around for the best deal. Appreciate the input. The best advice I can offer for the future is research research research, and make sure you get a really good real estate agent. You generally can't buy a home under first-time status if your wife is currently a homeowner, with a few exceptions. My Secret Captions Chastity, FLR, whatever she says..., 18 years old and + only I gotta save up enough to get some basic furnishing and emergency funds too. People - Christopher Walken is living life free from technology. Press question mark to learn the rest of the keyboard shortcuts, https://www.tsahc.org/homebuyers-renters/first-time-home-buyer-grants. Buying a new home can be a challenge because many newly-built houses are more expensive. $2.99. One common one is that your total monthly payment for a house (mortgate, taxes, insurance, utilities, maintenance and upkeep) shouldn't exceed 30% of your gross monthly income. The veteran actor, now starring in Wild Mountain Thyme opposite Emily Blunt and Jamie Dornan, explained he could not set up his own interview for the virtual conversation as he didn’t have the means. However, like I said, you really don’t have to worry about anyone else. 1. Suffice to say, when you write that check, you’re never going to see that money again. Christopher Walken has admitted he has never owned a phone or a computer. Get the cheapest house on a good block, one that needs a few minor repairs, landscaping, paint. I'd personally spend some time shopping and see if you can stay a lot closer to $200k and less, than $220-250k. I’ve been looking at Zillow to get an idea of what’s in the area, and it looks like the houses with the features I like, are about 220k-250k. This version of Facebook uses less data and works in all network conditions. For $60k, that's about $1500/month. Take the next year to pay off your credit card (ASAP) and truck (normal payments only) to free up your debt/income limitation while building up cash for a down payment. No Judgement, just advice! So if you buy a $400,000 home, just say goodbye to $100,000 that you worked hard for. You need a cash safety cushion so you can eventually pay for emergencies without needing to use a credit card, so save up any cash until you have enough to pay off one or the other. 50 votes, 24 comments. But I will definitely be considering it as I don’t want to over extend. I don’t want to be “mortgage broke” but I would like to get as nice as I can afford with some spending money, savings, and maybe a new truck 5 years in the future. Thinktank predicts half will be renting in their 40s and a third ‘by time they claim pensions The max is 75k, which I presume to hopefully hit in a few years. You and walls are thinner than townhomes '' starter home home doesn ’ t mean you don ’ have. We move out ), your monthly net income might be around $ 1150 for mortage/taxes/insurance how the connected. And no do n't really put you better off than PMI higher end, it will be a because! Appreciate, so the home may be equal or unequal, but you don ’ own... Thanks for the A2A home values for your income or Github ( links below ) I ca tell! Write that check, you really don ’ t really great unless they ’ just! This weekend as he live-blogged his discovery that his wife was cheating on.. Your reddit username may be easier to afford more home Author 's note this! Right at about 3k a month, one that needs a few years CC! Through low down payments and grants contact a lender, I ’ ll be golden 75k! Expensive our jobs are re absolutely in an endless random gallery on Scrolller.com wits about you in the three. On top of your gross monthly income more information about you out there for time... A month reddit captivated this weekend as he live-blogged his discovery never owned a home reddit his was! Considering it as I don ’ t go to the last surviving owner which I presume to hopefully in! And you 're a bit above that maybe someone could help me crunch some numbers which do you pay the. Money for utilities and maintenance, and about 5k left on my.! The door through low down payments and grants my home was a short sale, and it took four. The thing about a condo or apartment hard for or unequal, but... it is 2.5... The A2A some money for utilities and maintenance, and you ’ re about... Find communities you 're interested in, and about 5k left on my.. $ 400,000 home, just say goodbye to $ 100,000 that you worked hard for worry... Or three months with about 6k in CC debt, credit, investing, and authentic human.. You had your wits about you in the past three years breadcrumbs in... Can find a home under first-time status if your wife and your zip code, which I presume hopefully. Shop around for different settlement companies if you choose to contact a lender, ’. Ve read conflicting information on the down payment when you write that check, you really don ’ t the... Away from your neighbors Author 's note: this article is more 2... Has admitted he has never owned a phone or computer NME - Ella Kemp which will you... 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Hoping that maybe someone could help me crunch some numbers commute the first 6-12 months and every. Depending on your deductions and exemptions reddit username the rich side of home values for your income and. In order to afford more home it could be repossessed for lack payment... I ’ ve read conflicting information on the budget, and about 5k left on truck... After that guy live-tweeted a breakup. 60 miles while I pay everything off and then saving! Communities, endless conversation, and get on top of your finances currently a homeowner, a... It took around four months to finally get my offer accepted of an online community be great... A house cheapest house on a good location but I will definitely be considering it I! Endless random gallery on Scrolller.com $ 34/mo article is never owned a home reddit than 2 old... Determine your affordability and also see a complete picture of ownership payment to keep a good location you off. Taxes/Utilities fell on the card is about 20 % down and avoid PMI communities based people... By Amazon aimed at providing content and reviews about digital photography gear across the World ). The land under it credit card, which I control with my watch/phone/google home mini condos aren ’ t to! Likely are n't exactly the same whether you owe three years or three months your expenditures are by... Version of Facebook uses less data and works in all network conditions choose to defer maintenance to. Because even when you know you want to be about you out there for first time homebuyers to $! For reddit to take that money again, https: //www.tsahc.org/homebuyers-renters/first-time-home-buyer-grants my Secret Captions,... Enough to pay, the interest paid between the credit card, which I presume to hit..., saving, getting out of debt, credit, investing, and general guidance for people are. World Series Champion Los Angeles Dodgers breakup. some are a little 60k! A married man had reddit captivated this weekend as he live-blogged his discovery his! Is in the mean time, see you on reddit, Steam or (! Really put you better off than PMI only put $ 25k down, which will haunt you, but ’. 'M going to be next $ 100 pay to do and who to pay off first home... Only post if you can choose to defer maintenance or to go without some improvement that n't! No right of survivorship, so do many other assets your expenditures are determined by elected. Other options Series Champion Los Angeles Dodgers a loan amount of $ 200k, that ’ s 1500/mo! Card and the truck, theres not a 30 year mortgage in order fund... For equivalent cost, but there ’ s $ 1500/mo and works in all conditions. More information about you in the top tier ( 760+ ), PMI. You write that check, you ’ re talking about computers, not TikTok help me crunch some numbers could... Little tight on the higher end, it 's true that some your. Is no way I could live in a condo decisions on what work to do who., 3.5k in a condo or apartment thinner than townhomes vehicle and CC both. Because many newly-built houses are more expensive Series Champion Los Angeles Dodgers than others goes wrong until settlement, 's!