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SVTPerformance's Chain of Restaurants
Road Side Pub
First time home buyer questions
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<blockquote data-quote="YMMV" data-source="post: 12562804" data-attributes="member: 64380"><p>You can through any bank. I went through Weichert Financial. </p><p></p><p>Closing costs, Home Owners Inspection, Septic Tank Inspection (If applicable) Lawyer fees, First years home insurance (They might just work that into the mortgage payment - but I paid my first year straight up).</p><p></p><p>Also make sure you put down the min 15% or you will get slapped with a PMI charge. The higher the d/p the better which can also knock down points on your APR rate. </p><p></p><p>First timer? Get a realtor. </p><p></p><p>This is what I went through in NJ. Not sure all states are same. </p><p></p><p>They say buying your first home will be one of the most stressful moments in your life. They weren't kidding. </p><p></p><p>Always make an offer + counter offer, never accept asking. I know its common sense but plenty of people in this world lack it. </p><p></p><p>Not sure I would invest in a house with a girlfriend... what happens when you guys break up? </p><p></p><p>Both my houses I own are under my name and only mine. Ill be damn to have someone take it all right out from under me for all my hard work.</p><p></p><p></p><p></p><p></p><p>The truth. </p><p></p><p>I had to give records of everything. Also, if yo have family members help you with a d/p, they will want their bank records and yearly income as well. They will ask for everything... yes including **** size too.</p></blockquote><p></p>
[QUOTE="YMMV, post: 12562804, member: 64380"] You can through any bank. I went through Weichert Financial. Closing costs, Home Owners Inspection, Septic Tank Inspection (If applicable) Lawyer fees, First years home insurance (They might just work that into the mortgage payment - but I paid my first year straight up). Also make sure you put down the min 15% or you will get slapped with a PMI charge. The higher the d/p the better which can also knock down points on your APR rate. First timer? Get a realtor. This is what I went through in NJ. Not sure all states are same. They say buying your first home will be one of the most stressful moments in your life. They weren't kidding. Always make an offer + counter offer, never accept asking. I know its common sense but plenty of people in this world lack it. Not sure I would invest in a house with a girlfriend... what happens when you guys break up? Both my houses I own are under my name and only mine. Ill be damn to have someone take it all right out from under me for all my hard work. The truth. I had to give records of everything. Also, if yo have family members help you with a d/p, they will want their bank records and yearly income as well. They will ask for everything... yes including **** size too. [/QUOTE]
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First time home buyer questions
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