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  • Welcome back!

    We decided to spruce things up and fix some things under the hood. If you notice any issues, feel free to contact us as we're sure there are a few things here or there that we might have missed in our upgrade.

Buying First House!

BlueBaloo

Big Dog
Soooooo my fiance and I are making an offer on a house tomorrow and I'm freaking out! I thought I'd vent here. Both sets of parents know that we are thinking about buying, but neither know that we're actually going to make an offer. No one but us, our real estate agent, and our lender know. But we wanted to be big-kids and make this decision on our own and let the parents know if we actually get it.

It's such a crazy notion... BUYING A HOUSE. I feel like we are still babies and we shouldn't be old enough to buy our own house.. But here we are.

So for those home-owners out there.. What was it like when you bought your first house? How crazy did you feel?!?! Haha Any advice??
 

Good_OL_Boy

Good Dog
First off congrats! I just bought my first one in November, it's awesome having it all my own! I'm 24 and it's just me and the dogs, so I didn't get anything extravegent, but I still wanted something decent, I found one for $57k that is brand new on the inside and sitting on an acre of land. I got completely tired of paying rent and dealing with the bullshit that comes along with it. I'm HOPING to have enough money put away and have it paid off in less than 10 years. It's super exciting and nerve wracking puting in the first offer, but I put probably 6 offers in before I ended up with the perfect place for me. The hardest part of buying one for me was all the waiting involved with the financing, and jumping through all their hoops.
 

mrsahunter

Little Dog
Good luck with everything, and MAKE SURE you get a good home inspection. Our house was in great condition five years ago when we bought it but seeing how everything was original to our 35 year old house we have had to update pretty much everything in it. Just be aware of what will need replacing and what that will cost in the near future. I love out house and am still happy we bought it but it had cost a LOT of money in the past five years and has gone down a LOT in value even with all the work we've done thanks to the economy and the market. Make sure you will be happy in this house for Atleast ten years and have room to grow just in case you can't afford to upgrade when necessary.
 

MMSmith

Good Dog
As long as you have a good realtor and lender (that you've interviewed and picked) they can walk you through the whole thing. We bought our first house at 23 and haven't looked back. Sure, there are some things I would have done differently, but a lot was dictated by our budget and time frame. Absolutely nothing I would change about the realtor or the lender. They held our hands through the process and were wonderful. Don't be afraid to admit to being a noob lol.
 

BlueBaloo

Big Dog
First off congrats! I just bought my first one in November, it's awesome having it all my own! I'm 24 and it's just me and the dogs, so I didn't get anything extravegent, but I still wanted something decent, I found one for $57k that is brand new on the inside and sitting on an acre of land. I got completely tired of paying rent and dealing with the bullshit that comes along with it. I'm HOPING to have enough money put away and have it paid off in less than 10 years. It's super exciting and nerve wracking puting in the first offer, but I put probably 6 offers in before I ended up with the perfect place for me. The hardest part of buying one for me was all the waiting involved with the financing, and jumping through all their hoops.

We're moving to Midtown Memphis, so 57k would have got us a nice cardboard box under the interstate! We'll be lucky to get this one because it's the first one we've put in an offer on, but our agent just told us another couple looked at it today and want to put in an offer too.. So there may be a rumble.
 

Jamielvsaustin

Good Dog
As long as you have a good realtor and lender (that you've interviewed and picked) they can walk you through the whole thing. We bought our first house at 23 and haven't looked back. Sure, there are some things I would have done differently, but a lot was dictated by our budget and time frame. Absolutely nothing I would change about the realtor or the lender. They held our hands through the process and were wonderful. Don't be afraid to admit to being a noob lol.

Same here-we were 25 and 26 though. We were living with my husband's Dad and wanted the hell out of that house! Once we found out what we could afford, we picked the company that would build it and then drove around to find a lot-and that was dumb for us, because 1) we didn't know the area and 2) we were just looking at a bunch of empty lots. We had our house built in 2007. In this area if the house isn't new, it's like 60 years old. Being first time homeowners we didn't want to risk all of the repairs and replacements that come with older homes.


I can't imagine only owing 57K on a house! That seems crazy to me. Granted we probably paid too much for the amount of house we got (we were in such a rush to get out), but in our area I don't know that there are deals like that. Good Ol Boy if you don't mind my asking, what's a monthly payment on something like that? We recently refinanced our house and dropped our payment from $1207 to $858
 

pampam22

Good Dog
Welcome to Memphis... Well almost!

Just keep in mind... The city of Memphis is a great place to live, but there are many things that you will have to deal with while living in the city limits. I'm sure you already know most of these... City and county taxes, unified school district (can't remember if you have kids), MLGW, water bugs (palmetto bugs), sewer rats (depending on where you live), horrible animal control and city shelter, car inspection, surrounding high crime areas that tend to bleed into other areas... I think that midtown is a great area and we have several friends that live there and love it... I suppose you always have to take the bad with the good.

Buying a house is always a roller coaster of emotions... Excitement and stress being the top two! I enjoyed my first experience over all, but I did have several issues I had to deal with after the home was mine.

Good luck on having the offer excepted! And again.... welcome to Memphis!
 

marriss770

Good Dog
Congratulations!! And ditto on the home inspection with your own home inspector (An engineer is the best!). Get pre-approved for a mortgage, it will save you heartache down the line should you find out after you make an offer, that you don't qualify for a loan!! It's also good, but not necessary, to get an appraisal of the home you're buying so you know what the property is really worth.
As a first time home buyer, you may quality for special rates, etc....ask your agent about things like that!

Good luck to you
 

SweetPerks24

Big Dog
I'll cross my fingers for you guys! Very exciting! We're hoping to buy our first house this coming September.... Waiting on the two youngest kids to start kindergarten, so our $600+ a month day care bill disappears... :)

Keep us posted on how it goes!!
 

Good_OL_Boy

Good Dog
I can't imagine only owing 57K on a house! That seems crazy to me. Granted we probably paid too much for the amount of house we got (we were in such a rush to get out), but in our area I don't know that there are deals like that. Good Ol Boy if you don't mind my asking, what's a monthly payment on something like that? We recently refinanced our house and dropped our payment from $1207 to $858

I'm paying $430/ month, and I have outrageous homeowners insurance right now, as soon as I replace the roof, the payment will be down to around $380

oh and remind me not to move away from here if $57k can only get you a box lol.
 

Jamielvsaustin

Good Dog
That's crazy to me. My husband's truck payment is $400.

well....I guess his loan is meant for 5 years and yours is more...but still....I'm so jealous. Plus, you have an acre! I have 0.24 of an acre. Hopefully for our next house we'll have more time to look around. I wouldn't mind being a little further out if it meant more land...and really I think our house might be too big for us(four bedroom)-especially if we follow the plan of not having kids. I could definitely dig a smaller house with more land for under 100K.
 
I'm paying $430/ month, and I have outrageous homeowners insurance right now, as soon as I replace the roof, the payment will be down to around $380

oh and remind me not to move away from here if $57k can only get you a box lol.

Holy shit that`s cheaper than my car payment! The cheapest I`ve seen around here is about 200K for a tiny piece of shit on the edge of town.
 
I closed on my home a little over a week ago. The process of dealing with paperwork and inspections drove me nuts. It is such a rewarding thing to be able to say DH and I are officially homeowners though. Good luck!!
 

BlueBaloo

Big Dog
Thanks everyone! We officially put in our offer so I guess now we wait to see if they accept it? There is so much paperwork!!:scared: