Finally officially house hunting!
 

Lending secured. Just have to find a house. With our wants/needs in the price point we're in, they're going like hotcakes. Anyway, super excited, so I just had to share!

/Facebook Planet post

UPDATE: Closing on a home on June 10th!

Wonderful. The suspense is over. I can finally sleep at night.

It's a great time to overpay for a house

buyers market!

You spelled Facebook wrong in your address bar

Congratulations! It's an exciting thing to do. Can we have a floor plan, even if it's crudely drawn? (I like looking at floor plans.)

Edit: I'll delay this request. I misread and thought you'd actually purchased one.

I made a thread bitching about house hunting the other day. I was at my end. We had one last scheduled viewing before we were going to check out rental units too.

Then my realtor called me Wednesday and said the seller accepted our offer!

Good luck to you. It's a draining process.

KCMO market has been aggravating. For ****in sure.

We are lucky that we're in a position of renting month to month, so we don't have that time crunch restraint.

Last week there were so many houses I wouldn't mind looking at, but, by the time we got our lending and met with the realtor to look at houses last Wednesday, there was nada.

Tell me about it. We've been "hunting" online for a couple of years. Seems like everything has increased by about 9% in just the past six months. With the minimum wage increase in Missouri, we figure several things will be going up, so we're trying to get the best we can while we can.

I don't know if this one is still on the market, but it's interesting.

https://www.realtor.com/news/unique-...ield-missouri/

That’s so exciting!!!! When is your little diaper-filler having his 2nd birthday? Post pics I can’t wait

Wait a year. Crash is coming.

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Stuff's going five figures easily over list less than a day on the market, famalam.

We close at the end of may, and our lease is up on July 1st, so we got it as close as we possibly could.

Selling our house at the same time as buying another house.....in a different state. I'll be ****ing happy when this is all over.

Just remember , picking a house is like choosing your wife. If you don't like the outside don't even worry about the inside. Just pass.

No No , you need to always use this one:

https://www.youtube.com/watch?v=jO7VJbbd4z0

I'd wait three years. The market will bottom at that point.

Whose name is the house going under since you aren’t married?

I can't even imagine.

Did this our last relocation. We were sitting awkwardly at the title company in Chicago, as they were closing for the day, waiting for the wire transfer from the sale to close our purchase. Apparently there was a name mix up on the wire transfer and they had to go through every transaction that day to match the amount we were expecting. They were about to kick us out and lock up for the night. Our movers were outside the new place, across town, waiting for us to show up with the keys. I was ****ing stressed. It scarred me from ever doing a same day close on a relocation where the funds from the sale are needed for purchase.

Luckily we have it worked out so that we can have both loans out at the same time....with the assumption that our house is actually being sold (which it is). We're past the inspection and appraisal for one and in the midst of it for the other one.

That sounds solid. We were selling a 90+ year old house and at the last hour the buyer ordered a mold test done. I was fit to murder someone(s) by the time both deals finally closed.

We just went through the same thing, bought in Dec and finally got the other one on the market in March. It was nice not having two house payments this month. Now I need to recast the other loan to lower the payment.

Damnit Hog, quit giving the secrets away

What state you moving to?

Heading to Oregon.

Every metro market is good.

Coos Bay?

Thats going to be expensive, but its a ****ing awesome place.

Salem

Cheaper than where I am now.

Enjoy the rain man!

Congrats

Oregon is ****ing weird.

They're just learning how to pump gas. They still have gas station restrooms that have their own door outside of the main building. The last Blockbuster in existence anywhere... yeah, Oregon. And Portland is a shithole.

It may be weird but it’s better than ****ing California.

I would think far less expensive (or at least noticeably), if nothing else.

It's beautiful up there... I have much more appreciation for the outdoors since moving away from the midwest, and the northwest is hard to beat.

I'f your goin to buy something. buy something big

https://i.postimg.cc/hPyF1VrT/plaster2.png

I do my best to entertain him.

Its a great year to sell. I sure wish this was the right time for me to sell.

The Plaster house. We like taking a boat cruise down there pretty often.

Our favorite place to eat on the lake, very close to that house, burned down this week.

I tried that....the short version of the story is it didn't work. Best of luck to you.

Oh, and best of luck to you as well luv. My advice...don't start renovating the kitchen before you're done moving in...bad, bad plan....

Best of luck! Make sure HVAC and water heater are fairly recent or you'll get stuck replacing those at the most inopportune time.

I just saw new housing starts numbers and was shocked.

So far this year, starts have fallen 9.7%. Builders are pulling back from their construction of single-family houses and apartments

occurred at a seasonally adjusted annual rate of 1.14 million. So far this year, starts have fallen 9.7%. Builders are pulling back from their construction of single-family houses and apartments, even though the solid job market has provided a base of demand from buyers seeking an upgrade. Nor does the supply squeeze seem likely to end soon as permits, an indicator of future activity, fell 1.7% to an annual rate of 1.27 million.

Single-family starts have fallen in five of the last six months over previous years numbers.

I'd say it's more like picking your next girlfriend. Stay for a while then move on to the next one. They made millions of them!

We were very interested in looking at a house for sale by owner that I came across last Thursday. Sent info to my agent, and she said that the owner's were funny about showings in that the only time they would show was after 2pm on Fridays. She called to schedule a time, and they said they weren't showing the following day, so she scheduled us a showing at 2pm this coming Friday. Found out Sunday that they're under contract. :cuss:

On to the next....

Home warranties help with that....

If these home warranties are so good, how are these companies staying in business?

Because they're like insurance. You're paying money and they're banking that you won't use them. We have one in our house and didn't use it at all last year. But our AC unit is old as **** and I'm waiting for it to tank under the warranty.

Not my problem anymore since we're going to be selling the house....but still.

Single or double wide?

A home warranty is a good thing to ask for as a throw in on the sale. We bought our house in KC, ask them to include a 12 month warranty, and sure enough the a/c went out by the time summer rolled around (we bought in February). I would never buy one for myself, but it's worth an ask when buying.

Never had one the seller didn't include to seal a cash sale. There are good ones, bad ones, and some ugly ones that install new old stock with the brand name removed, install questionable equipment pairings and charge stupid prices for things like condensation pumps and control thermostat units.

Since Franchise is not worried because of selling do you think he receiving value back from the policy, if it can be transferred is he profiting? Did he buy a warranty but received nothing from it?

The ones I had owned had both options but with fees for doing so.

Waiting for it to tank, while paying $500/year and $70 for every service call while they try to piece my old unit together year after year.

Getting a full on replacement takes many visits and many repairs. Not to mention they only let you replace it with a similar unit, so upgrading from a piece of shit brand is never an option.

/Lame

As much as I hate insurance, home warranties work out for everyone.

And for home warranty companies, it's a better scam than regular insurance, while no one cares.... the buyer takes on less risk for no cost, the seller will break even when they buy, and the home warranty company makes $1000 for every buyer/seller pair.

And every once in a while, something actually breaks.

Oh definitely ask for one the first year.

After that, I think it's a scam to renew it year after year like so many do. Thinking they are coming out ahead in the long run when you rarely do.

Agreed, I'd never renew it... then you're already at like $1000 for two years.

I didn't think about the $70 service calls though, that's even scammier.

$70 for service call is cheap (HVAC , plumbing, or major appliance,) unless it's a leaky water heater... then just send out a trained monkey

Do you have deductibles on top? if not quit bitching.

Always ask if the house is in a lava flow zone. I saw this on a show about buying houses in Hawaii, but it seems like a good idea anywhere.

SHIT I KNEW I WAS FORGETTING SOMETHING

I have the "big 3" home, auto and life insurance. Since when did people get to the point where they need insurance to pay for anything else? I'm my own insurance company when it comes to that. Take the money you'd pay them and pay yourself. If you can't afford to buy a repair/replacement of something don't buy it. Pet health insurance, pleeeeaaaase. My pets are my family but if one of them gets sick/injured to the point of thousands of dollars then it's time to go to sleep, mourn and save another from the pound/adoption center. And trust me, Murphy is my bestest buddy.

This exactly.

Perfect post. The other “insurances” are usually wasted money in most scenarios.

[QUOTE=luv;14215231]Lending secured. Just have to find a house. With our wants/needs in the price point we're in, they're going like hotcakes. Anyway, super excited, so I just had to share!
/QUOTE]

What are you looking for? Price point? Willing to do the sweat equity? Where in SGF?

1st time as a home buyer is a great time to prove your naive as **** to all the hawks that want your money.

Find your own FSBO and make a deal, call attorney/ title ins co, tell them to make it ready for closing. If you need money call Capitol Federal, if you need 2nd tier financing it's still easy. just more costly.

Done

No health insurance?

If it were not for insurance costs, we could all live better lives...

Just the poor paying the rich so they won't become poor.

Must have

Auto Insurance
Homeowners/Renters Insurance
Umbrella Policy
Health Insurance
Long-Term Disability Insurance
Term Life Insurance
Long-Term Care Insurance
Identity Theft Protection

depending on/ should have
home warranty
flood
earthquake
GAP
sickness
injury
cancer
disability (long and short term) total
vision
Loss of Value Insurance
Body Part Insurance (think Tina's legs of Fabio's hair)
Change of Heart Clay will be buying this if it ever gets to that point
Multiple Birth Insurance
Kidnapping and Ransom Insurance


Where does the house/ car payment fall in???


Kidnapping and Ransom Insurance In case a group of key employees win the lotto and quit their jobs!!! No hit, it's a thing

Maybe are out there to buy
How is one to live a good life if the things that can hurt him most are not covered?/


Marriage insurance must be a loser.
sex on the third date insurance? not going to happen.
partner not faking orgasm coverage??? ya right
College acceptance insurance. It's a new thing.
Hair follicle retention insurance
bolt on/ face lift
Internet truth in context coverage

Well, we actually ended up in Clever. It will be a bit of a commute, but it had everything we were looking for. Nothing major came up during the inspection, but there was a small list of repairs we wanted made, and she agreed to do them. Appraisal came back good, so we're all set for closing on June 10th. Super excited!

Congratulations and where the **** is Clever??? :hmmm:

Congratulations on your new home!

Houses are a major pain in the ass, but at least it's yours. :)

There is no way to get to Springfield from there, at least in a straight line

It sounds like you're making a Clever move.

Congratulations. Friend of mine has a daughter that teaches there. Don't get down that way much. Welcome to the money pit club :)

People who live there ask that too! (I kid). South of Republic, MO and southwest of Springfield, MO.

Roll by the Wilson's Creek Battlefield. Eady drive & good speed limit. Just try to avoid Republic HS at bell time.

Go east from Clever & turn left at the sign for Wilson's Creek Battlefield. Takes you up to M Hwy/Republic Rd. Eady shot into town. Just try to miss bell time at Republic HS.

buying a house is just a 30 year rental agreement where you have to pay to fix all the stuff that goes wrong.

Congratulations

Yah, but then you eventually sell it and make some $. It's a long term investment, and you need to maintain and even upgrade that investment. It will pay dividends down the road...

Dumb.