The Official Homeowners Thread
- Thread starter Dolla$
- Start date
SleezyBigSlim
Banned
Brehs what is the name of that stuff I can put on my lawn to keep it green? I,want to have the greenest lawn on my block
Buying I. NE or SE DC this year....inventory is low but lots of foreclosure...
anyone with buying foreclosure experience ?
anyone with buying foreclosure experience ?
Was your Debt to Income ratio An issue when you all bought?
I’m planning to use a VA loan. Getting out this summer. Trying to time it to where I can get approved for the amount I want (up to 250k)
•Is it tough providing proof of income In-between jobs? I make about 5500 pretax (4300 take home) on a W2. I’ll have 2 business accounts I can show, but the income is inconsistent right now
•I’ll have about 1700 a month in disability coming in
•Only thing on my credit report is student loans (130 a month to keep them current) and right now I pay about 1200 a month in an apartment.
The lady at the out processing center said my DTI was 36%that didn’t sound right. I’ll research some more and review the document she prepped when I get home. But figured I’d hop in here for yalls 2 cents.
I’m trying to figure out if I need to put the house I want under contract before I leave my current job, or will they take my old W2 income for the past 4 years once I’m self employed. I don’t want to get jammed up by the MLO when that time comes
I mean it’s kind if close.
$1600 (mortgage estimate with additional cost)
$130- student loan
$1730/$5500= 31.45%
When she calculated your income did she have you a little lower than $5500? What did she have the total est mortgage cost at? I know you only pay $130 for student loans but is that whats showing on the bureau?
With all that being said 36% will still qualify you for a VA loan.
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Bout to put a wall up in my loft then another wall in movie room/separate dining room
Which would give me
6 bedroom 3.5 bathroom house with 2 rooms that are master suites one upstairs the other downstairs
One benefit of being 100% disabled no property taxes otherwise monthly mortgage to this place be extra 400-600 more
Wifey going back to nursing school for RN then probably nurse practitioner too if she gets that we moving to a bigger home that is 1 story custom home since we took in our niece and nephew with already 5 kids of our own and soon her mother too
Which would give me
6 bedroom 3.5 bathroom house with 2 rooms that are master suites one upstairs the other downstairs
One benefit of being 100% disabled no property taxes otherwise monthly mortgage to this place be extra 400-600 more
Wifey going back to nursing school for RN then probably nurse practitioner too if she gets that we moving to a bigger home that is 1 story custom home since we took in our niece and nephew with already 5 kids of our own and soon her mother too
OfTheCross
Veteran
no pics?
OfTheCross
Veteran
just applied for a re-fi.
I got 25 years left at 4.48%
I'm trying to get a 15 year at 3.125%
My payment should only go up about $80, if at all (depending on if I can lower my insurance)
I got 25 years left at 4.48%
I'm trying to get a 15 year at 3.125%
My payment should only go up about $80, if at all (depending on if I can lower my insurance)
Purchased my first home in Anacostia [South East DC]. It’s wasn’t listed, but the three other single family homes in the same row were, so my realtor called the seller ASAP and put in an offer. I got it at asking, no bidding war, which apparently isn’t normal, especially in the District. The other three homes were only on the market for 24 - 48 hrs. I didn’t even get time to think about the purchase. By law they had to list it for a day, and during that time few people had submitted offers. Glad my homies told me to put the offer in immediately. I love my place.
It was listed as a new construction, they only keep the brick from the old exterior. The inspector was highly impressed the construction. I even got a nice back yard, which is wild to me, I wasn’t expecting that for myself in DC.
CB2 is now my favorite store and Crate & Barrel to a lessor extent; entire place is dripping with quality furniture. Just completed the Living Room and Master Bedroom, Need a few more items for the guest bedroom, Kitchen furnishing won’t be complete until May; the table I ordered from CB2 is on back order.
...and NO HOA!
It was listed as a new construction, they only keep the brick from the old exterior. The inspector was highly impressed the construction. I even got a nice back yard, which is wild to me, I wasn’t expecting that for myself in DC.
CB2 is now my favorite store and Crate & Barrel to a lessor extent; entire place is dripping with quality furniture. Just completed the Living Room and Master Bedroom, Need a few more items for the guest bedroom, Kitchen furnishing won’t be complete until May; the table I ordered from CB2 is on back order.
...and NO HOA!
levitate
I love you, you know.
Anyone have one of those fireplace tv stands?
UserNameless
Veteran
Mine went up.For the year 2020, my property taxes went down $60 a month. Which means that my mortgage payment went down $60 a month.
Yinny
I miss LLC Twitter
I found a fixer upper that’s going for cheap in a quiet neighborhood, someone is showing it tomorrow. I’m gonna get in tomorrow morning and take pics but I’d love to move on it.
UserNameless
Veteran
Damn, breh. Look into it. It basically freezes the price of your property taxes based on the value of your home. Your property taxes won't increase significantly until your home value reaches a certain amount.