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Just found out from the bank that i got approved for a home loan. Pretty big deal to me considering my credit isnt great and i make like ~22k a year. Im excited since ive kinda been stuggling with money lately and have had to move us(wife and daugher) into my parents house. Im also pretty excited because i have gone to look at homes before but never with the actual thought of "hey i can buy that one".
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Jaybone2315
Professional Couch Ruiner
Posts: 27,299
Joined: Jul 06Aug 13th, 2009 (8/13/2009 8:22pm) in reply to riverdrowns
you make 22K/year and ur gonna buy a house?
I wouldnt even a buy a car if I made that. -
Posts: 359
Joined: Feb 06Aug 13th, 2009 (8/13/2009 8:24pm) in reply to Jaybone2315
Tis true, tis very very trueOriginally Posted by Jaybone2315
you make 22K/year and ur gonna buy a house?
I wouldnt even a buy a car if I made that. -
Posts: 16,559
Joined: Jul 06Aug 13th, 2009 (8/13/2009 8:24pm) in reply to riverdrowns
I'm happy for you but I don't know how this is possible unless Oprah cosigned on the loan.
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tommpat2000
Chief Asshat
Posts: 13,498
Joined: Apr 06Aug 13th, 2009 (8/13/2009 8:25pm) in reply to timthegem
might be a sign we are back to the lending and borrowing that put us in this mess
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Posts: 3,422
Joined: Feb 08Aug 13th, 2009 (8/13/2009 8:25pm) in reply to timthegem
No cosigner, my credit is good enough and i do make enough money. Houses are cheaper here then they are in most places.Originally Posted by timthegem
I'm happy for you but I don't know how this is possible unless Oprah cosigned on the loan.
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Posts: 4,779
Joined: Apr 07Aug 13th, 2009 (8/13/2009 8:26pm) in reply to riverdrowns
That is great newzzzzzz. No better feeling than owning your own home.
<STRIKE>question tho.....not great credit, make around 22k, how were u able to obtain a home loan, esp during these times?</STRIKE> <STRIKE> Either way,</STRIKE> grats -
Niceguy
I will find you.
Posts: 18,944
Joined: Jul 06Aug 13th, 2009 (8/13/2009 8:27pm) in reply to riverdrowns
Congrats man.
No offense though, this kind of shit is what got us into this mess. On one hand I'm happy you can give your family a home, on the other I viscerally hate you. -
Posts: 22,782
Joined: Jan 07Aug 13th, 2009 (8/13/2009 8:27pm) in reply to riverdrowns
So you make 22k, have been struggling with money lately, and got approved for a loan? And you think this is good? Oh my head.
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Posts: 3,422
Joined: Feb 08Aug 13th, 2009 (8/13/2009 8:31pm) in reply to fcdunkin
I went to the bank and sat down and talked to the lady that ran that department. She gave me a list of everything that i needed to bring in. Things like my past months worth of pay stubs and 3 bills that ive been paying for over a year. She called back in 2 weeks telling me i was approved.Originally Posted by fcdunkin
That is great newzzzzzz. No better feeling than owning your own home.
question tho.....not great credit, make around 22k, how were u able to obtain a home loan, esp during these times? Either way, grats
When i said my credit wasnt great I meant that it isnt bad at all. But it isnt great. I have no outstanding debts, and a car payment and insurance, and 2 phones. thats really all my bills atm besides groceries. -
Congratulations!!
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Posts: 3,422
Joined: Feb 08Aug 13th, 2009 (8/13/2009 8:33pm) in reply to Niceguy
siigggghhhOriginally Posted by Niceguy
Congrats man.
No offense though, this kind of shit is what got us into this mess. On one hand I'm happy you can give your family a home, on the other I viscerally hate you.
i guess i shouldve just left out how much i make. lol @ thinking id buy a house if i couldnt afford it. It can be done. Just dont understand all the hate in this thread. -
Posts: 16,559
Joined: Jul 06Aug 13th, 2009 (8/13/2009 8:35pm) in reply to riverdrowns
What's the interest rate, and is it fixed?
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Posts: 9,362
Joined: Sep 05Aug 13th, 2009 (8/13/2009 8:35pm) in reply to timthegem
Congrats buddy, happy for ya
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tommpat2000
Chief Asshat
Posts: 13,498
Joined: Apr 06Aug 13th, 2009 (8/13/2009 8:37pm) in reply to riverdrowns
yup, no one has ever bought a house then had it forclosed
you make 1800 a month, have a car and two phones, lets say that is 300 a month, + inusurance, 400 maybe
1400 - utilties groceries, 400 min.
1000 - mortgage = like 100$ a week to save and spend, yikeeeeeees -
Posts: 16,559
Joined: Jul 06Aug 13th, 2009 (8/13/2009 8:39pm) in reply to riverdrowns
It's not hate, it's a deep sense of unease that is justifiable. I'm happy for you and I hope you are able to manage it, but all the same, when I read your OP I shat bricks.
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Posts: 3,422
Joined: Feb 08Aug 13th, 2009 (8/13/2009 8:45pm) in reply to tommpat2000
ok fine, ill break it down:Originally Posted by tommpat2000
yup, no one has ever bought a house then had it forclosed
you make 1800 a month, have a car and two phones, lets say that is 300 a month, + inusurance, 400 maybe
1400 - utilties groceries, 400 min.
1000 - mortgage = like 100$ a week to save and spend, yikeeeeeees
$1800 a month is about correct
$235 car payment
$80 insurance
$60 phones
that comes to $375
Mortgage will only be around $600 since well hopefully be buying a foreclosed home or a bank owned home. They are usually much cheaper. Also keep in mind since its the first house im buying im not looking for anything extravagant. Just something to get my family in, in a decent neighborhood. We obv have standards about the house but arent looking to spend a shit load of money on it.
And i mean if my wife has to get a part time job then there wont be a problem with that. Sorry i forgot to mention that before, its just not going to happen unless it really has to happen. -
Posts: 3,503
Joined: Dec 06Aug 13th, 2009 (8/13/2009 8:47pm) in reply to timthegem
22k a year would get me fuckin no where in San Jose
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tommpat2000
Chief Asshat
Posts: 13,498
Joined: Apr 06Aug 13th, 2009 (8/13/2009 8:47pm) in reply to riverdrowns
most of those homes are not move in ready, and what if something breaks or something happens, hope you have like 10 years salary saved upOriginally Posted by riverdrowns
ok fine, ill break it down:
$1800 a month is about correct
$235 car payment
$80 insurance
$60 phones
that comes to $375
Mortgage will only be around $600 since well hopefully be buying a foreclosed home or a bank owned home. They are usually much cheaper. Also keep in mind since its the first house im buying im not looking for anything extravagant. Just something to get my family in, in a decent neighborhood. We obv have standards about the house but arent looking to spend a shit load of money on it.
And i mean if my wife has to get a part time job then there wont be a problem with that. Sorry i forgot to mention that before, its just not going to happen unless it really has to happen. -
Posts: 3,422
Joined: Feb 08Aug 13th, 2009 (8/13/2009 8:50pm) in reply to wwe_freak_88
yeah luckily i live in a town where home value is pretty low in some partsOriginally Posted by wwe_freak_88
22k a year would get me fuckin no where in San Jose
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Posts: 3,422
Joined: Feb 08Aug 13th, 2009 (8/13/2009 8:51pm) in reply to tommpat2000
well its not like they chose the house for me. i have time to find a house where i wont have to worry about things like that.Originally Posted by tommpat2000
most of those homes are not move in ready, and what if something breaks or something happens, hope you have like 10 years salary saved up
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Posts: 3,503
Joined: Dec 06Aug 13th, 2009 (8/13/2009 8:59pm) in reply to riverdrowns
whats the price range ur looking at?
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Posts: 3,422
Joined: Feb 08Aug 13th, 2009 (8/13/2009 9:03pm) in reply to wwe_freak_88
I can get something pretty nice in a good neighborhood for ~100k right now. I got approved for more than that but im going to look for something less than that because ive seen nice houses for sale for around 60k, which is what im hoping for. My wifes aunt is a real estate agent who is going to help us out a lot in finding one.Originally Posted by wwe_freak_88
whats the price range ur looking at?
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Posts: 3,107
Joined: Aug 09Aug 13th, 2009 (8/13/2009 10:11pm) in reply to gillabong
guest room, 1 time?Originally Posted by gillabong
Congrats buddy, happy for ya
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Posts: 2,039
Joined: Mar 08Aug 13th, 2009 (8/13/2009 10:14pm) in reply to riverdrowns
Congrats! I remember how excited I was when I bought my first house. Best of luck
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Posts: 6,071
Joined: Sep 08Aug 13th, 2009 (8/13/2009 10:16pm) in reply to timthegem
Homeownership is always good.
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Posts: 5,746
Joined: May 07Aug 13th, 2009 (8/13/2009 10:17pm) in reply to midmoguy
Edit: question asked and answered
You can defnitely swing this... gl and congrats!!!
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