First Time Home Buyer

[Shannacore]

Originally Posted by feanan [You must be logged in to view images. Log in or Register.]

Funny, a year ago you started a thread begging for money, as you were about to take out 18k in student debt. In less than a year that disappeared, plus you saved another 15k, plus managed to have a healthy amount for food...

I also remember another thread where you were on food stamps.

And plus you keep coming to a message board for a video game that you no longer play, and where 95% of the people mock you.

You've got issues

Then within an 8 month span I graduated college, got a real job (real income + free tuition since I work for my university), and received an inheritance from my dead dad.

Things change, yo~


P.S. I haven't been on food stamps since my freshman/sophomore year of college, which is 2+ years ago at this point.

[You must be logged in to view images. Log in or Register.]

[Stinkum]

Yeah, because getting a job 8 months after taking $18,000 in student loans retroactively pays for all your previous student loan debt.

[Shannacore]

Originally Posted by Stinkum [You must be logged in to view images. Log in or Register.]

Yeah, because getting a job 8 months after taking $18,000 in student loans retroactively pays for all your previous student loan debt.

Never had $18k in student loan debt. Had 3k, was set to have another 18k+ but then I started working for my university, who gives (mostly) free tuition to their employees.


GOOD TRY THOUGH, VALIANT EFFORT.

[Stinkum]

Originally Posted by Tralina

I recently started a pretty great job. Pay is more than I've ever made, the job offers full benefits (to include paying for part of my tuition. I'll be starting a three years Masters Program in January.), paid time off, sick leave, etc. The job is also only part time, so I'm only committed to 20-28 hours a week - perfect since I am still a student / 40 hours a week are for suckas. It's an administrative job at the School of Nursing, which has absolutely nothing to do with my degree or career aspirations (Which is Urban Planning).

I'm very interested in this 20-hour-a-week administrative job with the School of Nursing that pays $50,000-60,000 a year.

I'd love to apply.

[Shannacore]

Originally Posted by Stinkum [You must be logged in to view images. Log in or Register.]

You said pretty clearly in the your other thread the job which pays tuition was a part-time job, working 23 hours a week.

Now please tell me what 23 hour a week university job pays you $50-60k a year?

Lol

Let me outline this for you

April 2012 --> Thread posted about tuition costs
April 2012 --> Working shitty minimum wage student job

Fall 2012 and Spring 2013 semesters were estimated to cost me $18k at the job I was working

August 2012 --> Begin working for big kid job on campus (benefits, tuition remission, the whole shebang)
November 2012 --> Dad passes, I get an inheritance check and a check from the V.A. office every month after this as long as I am in school
December 2012 --> Graduate Undergrad, receive pay bump
January 2013 --> Pay for car. Still have a pretty penny leftover from inheritance check.
April 2013 --> Get promotion at work, income is doubled because I'm gewd at what I do
May 2013 --> Post thread about wanting to buy house, get trolled by idiots who don't know what they're talking about.

Make a lil' more sense now?

[Stinkum]

[You must be logged in to view images. Log in or Register.]

[Shannacore]

[You must be logged in to view images. Log in or Register.]

[Kruel]

Seems like allot of these neckbeards have never bought a house. This i a good time to buy - dont worry about a ton of things as you need to have a professional inspection done before the bank will give you a mortgage. On your offer for the home make sure you give it with a side note that they must fix or repair everything the home inspector finds.

As another poster said - tell the inspector you want a good idea of how long it will be before you need to put another roof on. Also like hasbinbad said check out if you are able to get internet / cable in your area.

Be prepared to put allot of bids in. I made offers on 5 homes before I got mine.

Before looking get preapproved from the bank... it doesnt matter how much money you have for a downpayment... they will not finance you unless you have pretty good credit..

dont let any sales person tell you how easy it is to put in nicer flooring or cabinets or counters... that shit is expensive..

[Shannacore]

The preliminary search has been frustrating. I really like the neighborhood I live in because it's right downtown and less than half a mile from campus. HOWEVER, all of the houses are either A) Listed as being in a 'historic district' and are stupid expensive, or are all too old and shitty to want to live in.

There's plenty of cheap housing in Albuquerque, but it's either far, across the river (do not want), or in a ghetto ass neighborhood.

[Shannacore]

Originally Posted by Kruel [You must be logged in to view images. Log in or Register.]

Seems like allot of these neckbeards have never bought a house. This i a good time to buy - dont worry about a ton of things as you need to have a professional inspection done before the bank will give you a mortgage. On your offer for the home make sure you give it with a side note that they must fix or repair everything the home inspector finds.

As another poster said - tell the inspector you want a good idea of how long it will be before you need to put another roof on. Also like hasbinbad said check out if you are able to get internet / cable in your area.

Be prepared to put allot of bids in. I made offers on 5 homes before I got mine.

Before looking get preapproved from the bank... it doesnt matter how much money you have for a downpayment... they will not finance you unless you have pretty good credit..

dont let any sales person tell you how easy it is to put in nicer flooring or cabinets or counters... that shit is expensive..

I know a couple of people who have purchased homes with no down payments, which blows my godamn mind.