first home

B

bildo792

Joined Mar 2005
1K Posts | 0+
Hilton Head, SC
im looking for any information on buying your first home. i know its not a cigar topic, but im going to smoke cigars at my new house :wink:
i am starting my research on the first time home buying help from HUD and looking at all the different options. My credit isn't bad but i don't have much built up. I am looking for a house in the mid 100s and have a large group of options available. now i just need to figure out the best way to get a loan, etc. Some of you who have gone through the buying process a few times could probably give me some very helpfull pointers.
 
mid 100s??? rofl, i guess its not in the seattle area. that wouldnt get you a shack here.
 
i can get a 3 bedroom new construction house on a golf course here for under 200
 
That's a hell of a deal bildo. The golf course by me has brand new 3 bdr's starting at 475 with about 10 ft of space between houses!
 
bildo. my first home/ condo is being built right now in evanston IL and I can tell you this. Right now focus on trying to build up a downpayment and extra money for fees etc. Also, a few good mortgage brookers and see how much you can get approved for. Shop around though and be careful as there are lots of extras people tac on. You probably know a mortgage brooker or know someone who does. Work through a refere. If you have a good relationship with your bank that is also a good place to start.

Now if realestate is that cheap, I am buying a second house on Hilton Head. See you soon. :D
 
I do some real estate investing on the side, and SC is a great place to buy/build, the down side is there are few jobs to support living there 100% I'm actualy looking at some townhouses and condos in Raleigh/Durham NC that are beautiful on a golf course for under 175K.
 
While I'm at it, I got your sticks today!! Thanks a bunch, now, which one is which and do you have the bands by any chance? I sent the Monte bands for both sticks you have in an envelope seperate from your package, so, hopefully you get them on or around the same time!

Enjoy!
Paul
 
yes i have bands for them if you want. and the smaller one is the bolivar petit corona, the bigger is the el rey del mundo choix supreme.
the first petit corona i smoked gave me the urge to age them for a long time. the choix supreme was decent but will only get better.
 
funny how i sent out 3 packages at the same time all going to different states throughout the country and they all arrived the same day.
 
Indeed! I wasn't expecting your package today, though it was a fantastic suprise! Yes, if you would be so kind as to send the bands up, I would appreciate it, sonce I will be aging these bad boys, and honestly, I'm up over 1500 sticks, so, I really can't keep track of all my nudies!!! :wink:

Thanks
Paul
 
Do they have Fanny Mae
often there are really good deals for first time buyers.
Fanny Mae - is a -
Government agency just for first time home buyer.
 
I am a realestate agent here in the UK so if I can be of any assistance let me know, however, things are a bit different here and as for the prices; over here a 1 bedroom apartment will set you back £130K-£150K - in dollars your looking at $250k-$300k, just another reason why I am growing to hate England so much and would move to the US given any opportunity !

FYI The other reasons include: Our high taxation, Our overly-relaxed attitude to allowing immigrents into the country who then take advantage of free housing, free healthcare and of course cash benefts, Our youth culture with constant and radom attacks on private property and innocent members of the public in the street and about a million other things - HELP !
 
Houses 10 feet apart??? :dunno:

I know people have to go for what's available to folks in their price range, area, etc., but the houses in my area are 30 feet apart, and thank The Lord I've got great neighbors, otherwise that would be way too little for this first time homeowner.
 
Bloofington said:
Houses 10 feet apart??? :dunno:
Click to expand...

Yeah, Southern California :roll: That's why it took me a while to finally get a house with some room to breathe. In many of the housing developments out here they like to cram as many houses as possible into the smallest space possible. I remember thinking there was barely enough room to wheel the garbage cans from the backyard to the street. But I guess some people don't mind being packed like sardines. In the end I had one custom built, otherwise I wouldn't have a basement either(a rare thing out here).
 
I could NEVER live that close to anyone!!!! My first house was only on 2/3 of an acre and that was living to close to my neighbors for my comfort level. I saved up and bought 5.5 acres on top of a hill about 3 miles from the interstate and 8 miles from the center of town. I have trees all around the perimeter for privacy sake and I have a brick wall across the front of my property w/electronic sliding gate to help keep strangers out.
 
Our high taxation, Our overly-relaxed attitude to allowing immigrents into the country who then take advantage of free housing, free healthcare and of course cash benefts, Our youth culture with constant and radom attacks on private property and innocent members of the public in the street and about a million other things - HELP !
High taxes and immigration problems are not better here. I assure you.
 
you're all spoiled. most people dont even have yards to call their own, or even houses, and you're all complaining about not having more than 10 feet between houses?
 
mikegunner said:
I could NEVER live that close to anyone!!!! My first house was only on 2/3 of an acre and that was living to close to my neighbors for my comfort level. I saved up and bought 5.5 acres on top of a hill about 3 miles from the interstate and 8 miles from the center of town.
Click to expand...

I'm with you, I'm on 1 acre now but my next place will be on at least 5. Right now I'm lucky to have a neighbor I get along with, but the previous occupant of the house next to mine...let's just say I wouldn't have minded planting him in my garden!
 
jihiggs said:
you're all spoiled. most people dont even have yards to call their own, or even houses, and you're all complaining about not having more than 10 feet between houses?
Click to expand...

There is a reason I don't live in a bigger city, one being the cost of living and the second being the cost of having a house with land surrounding it.

In 1998 when I built my current house, my best friend was living in a 5th floor walk-up in the lower Village (Manhatten). He was looking at a 1500 sq ft "condo" which was basically one floor of a building in the 16-20th Street range and the purchase price of it was more than my 5.5 acres of land and my house (5Br/4.5bath etc...). He finally bought a 17' brownstone in Harlem 2 blocks from "Strivers Row" (25' wide brownstone) that was a real fixer upper and it cost him $550G! (within 6 months he had people trying to buy it off him for over $1M!!!!! but he is continuing to fix it up and plans to live there for quite a while.


Jhiggs, my first house on the 2/3 acre was sold after my divorce was final(1999) for $75,000 and it was 1600 sq ft -(3 br/2Bath) built in 1954. I sold it to the local college's athletic director because it is within walking distance of the college and our local hospital.
 
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