The Official Homeowners Thread

[patscorpio]

Closing next week Qualified for the IHDA grant and I'll find out if I need to bring cash to close. @beaniemac you heard of that grant? Guess it was just implemented within the last year

how does not bringing cash to close work? that grant is going to cover that?

 

[Mr210]

The room with the book cases is another room. The kitchen looks into this room

This is dope

 

[beenz]

Bout 4, 8 channel Amcrest 720p security cameras off Amazon. Getting them hooked up right now

Just recently got some living room furniture and getting my tv soon so got to protect my investments. Don't live too far from the hood

All I need is a strap and I'm set

are the cameras something you can easily hook up, or is someone doing them for you?

 

[LEEeveryday]

Home owner for about 1.5 years checking in... cause I'm still learning...

 

[beenz]

how does not bringing cash to close work? that grant is going to cover that?

if he's not bringing any cash to closing, he probably got the seller to pay the closing cost, and was eligible to receive a grant to cover his down payment.

 

[Prodyson]

My momma fukked it up when I was college,paid it off when I finished, then missing payment on my student loans from time to time... shyt be coming up.

As far as my job, I usually make around 65k the thing is that one year I made crazy overtime and got around 75k the other time I was fresh out of college and made 60k.

This year I got a new job that should put me at 70k

A contract job that like 800 dollars every 24hrs that I'm scheduled

PRN at another job

And my supervisor put me up on a job opportunity to consult a clinic once a week.

So Im not sure how what imma end up with this year.

I just need to know how to fix my credit and I'd be good.

Get your credit report and find out what negative marks you have. Then dispute everything. A lot of times they won't even go through the hassle of trying to prove everything and they'll remove or from your credit history.

There or other options but that's the first one I would take. Might at least get you back over 600.

 

[Prodyson]

Na I understand that, I've done very few if any upgrades to my house and I just found it interesting that the zillow price has gone up $10k

Most upgrades don't actually increase the value of your house. They may convince a seller to pay more, but the actual appraised value wouldn't change. I'd toy want to increase the appraised the value you have to do things like add square footage, add a bedroom, add a bathroom, build a fence or a deck, or extend your patio. Then all those things are taken into consideration and your house is compared to similar (square footage, age, bedrooms/bathrooms, etc.) houses that have sold in your area over the past 6 months.

It may have gone up just because houses comparable to yours have recently sold for more on average.

 

[Tanahashi Coates]

how does not bringing cash to close work? that grant is going to cover that?

if he's not bringing any cash to closing, he probably got the seller to pay the closing cost, and was eligible to receive a grant to cover his down payment.

Got the seller to pay 2k in closing. Grant is covering the down payment. Was supposed to close today but paperwork error pushed it back to Thursday. Also gonna look into that first time homeowners program that Rahm was talking about because I'm below the 130k limit for the house

 

[beenz]

Got the seller to pay 2k in closing. Grant is covering the down payment. Was supposed to close today but paperwork error pushed it back to Thursday. Also gonna look into that first time homeowners program that Rahm was talking about because I'm below the 130k limit for the house

thats a good look. I had to come with almost 15K at closing. and that was with the seller kicking in $2500 for closing cost.

then my lendor made a mistake on the final paperwork which almost killed the entire deal. I was supposed to be bringing like 11K, but he fukked up by like 3 racks. I was at the table in the closing HEATED cuz I had to come off another 3 racks.

 

[Mr210]

See I don't have the money for the closing cost...hope I get everything in the next 3 yrs everything else is on point but no way I could put 15,000 for closing or downpayment

 

[Mr210]

What type of lights/lamps do you have in your bedroom and living room

 

[beenz]

What type of lights/lamps do you have in your bedroom and living room

we have no need for lamps. I gave almost all mines away when we moved. we have an abundance of recessed lighting. only thing I did was swap out the old bulbs immediately for flourescent lights.

 

[OfTheCross]

we have no need for lamps. I gave almost all mines away when we moved. we have an abundance of recessed lighting. only thing I did was swap out the old bulbs immediately for flourescent lights.

I like recessed lighting but I don't love it.

When you want to change the look of the house lamps and lighting fixtures are very cheap ways of doing it and mixing things up a bit

 

[-G$-]

yeah we have recessed lighting in every room, but some rooms still have lighting fixtures more for the aesthetic than the functionality.

 

[El negrito de tejas]

So how do I go about getting a condo/townhouse?
I'm in Houston
Credit score is a 702
Made 43k last year(first job outta college)
Just have some consolidated student loans.
And I pay my credit cards on time and usually the balance is $0 on them.