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in search for....

Discussion in 'Members' Lounge' started by eg6sir, Sep 26, 2007.

  1. eg6sir

    eg6sir Supa Mod Moderator VIP

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    a home and this is what i've came across so far..

    got an appointment to see it Friday at 2:30 so i'll know more then .. from there i'll make my offer .. any ideas of what would be a good offer.. i'm new to the house buying thing.. the pool is the most appealing because it gets really hot in the summer time here and it will come in really handy..
    also.. opinions on house..

    also posted here

    In search for a house.. first timer - HomeModders.com - DIY Home Owner Forum

    Listing price- $180,000
    Bed- 2
    Bath- 1.75
    Year built- 1970
    Sq. ftg- 1485
    Lot sq. ftg (approximate)- 7381
    Price per sq. ft- 121.21

    Marketing comments
    2 bedrooms, 1.75 bath in cul-de-sac living room with fireplace, formal dining room, bonus room can be modified into 3rd bedroom, pool, two covered patios, front rear auto sprinklers.

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  2. eg6sir

    eg6sir Supa Mod Moderator VIP

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    there is also this one

    Listing Price- $184,900
    Beds- 4
    Baths- 1.75
    Year Built- 1976
    Approx Square Feet 1544
    Price/sq ft.- 119.75
    Lot Sq Ft(approx)- 7326
    [​IMG]
     
  3. Seany-izzle

    Seany-izzle New Member

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    In a fucking house.
    is that two garages have sex? the 2nd one that is...
     
  4. eg6sir

    eg6sir Supa Mod Moderator VIP

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    haha.. i said the same thing.. i'd put 2 windows in right there if i ended up with that one
     
  5. pissedoffsol

    pissedoffsol RETIRED

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    don't "end up" with anything.

    look at 20 houses before you even consider writing something up
     
  6. eg6sir

    eg6sir Supa Mod Moderator VIP

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    as picky as i am it'll take forever to find a house
     
  7. pissedoffsol

    pissedoffsol RETIRED

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  8. eg6sir

    eg6sir Supa Mod Moderator VIP

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    got approved for $190,000 but gonna look for cheaper.. and i plan on putting 5% down so that comes out to about $8500-9000.. but if i put more down by how much do you think it would lower my mortgage payment
     
  9. eg6sir

    eg6sir Supa Mod Moderator VIP

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  10. nootrac22

    nootrac22 Well-Known Member VIP

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    down payment won't effect you monthly payment that much, unless you're putting a huge chunk down. A good rough estimate on mortgage payments is $100 a month for ever $10k financed. so if it's $180k and you put $10k down and finance $170k payment would be $1700 a month roughly. Also taxes will greatly effect your monthly payment. there are a lot of good cauculators out there, I'd post a link but most of them are blocked at work "finance".
     
  11. eg6sir

    eg6sir Supa Mod Moderator VIP

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    well my buddy, also the agent i'm using told me i'm looking at about $1400 for $190,000 w/ 5% down
     
  12. reckedracing

    reckedracing TTIWWOP VIP

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    what interest rate did they give you for 190K?

    just give your banker a call
    give them approx taxes on the place and they can give you a monthly
    or just ask them the monthly on 190K without the taxes, then just figure monthly+ taxes/12 for your mortgage payment
     
  13. nootrac22

    nootrac22 Well-Known Member VIP

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    sounds about right, maybe a lil low to me, but deffinatly check out some mortgage caculators.
     
  14. eg6sir

    eg6sir Supa Mod Moderator VIP

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    you know what, he told me but i wasnt even listening.. i guess i'll have to ask him again.. hah.. i was just too stoked about getting approved to listen to everything he said
     
  15. reckedracing

    reckedracing TTIWWOP VIP

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    190K at 5% = 1019.96 a month
    190K at 6% = 1139.15 a month
    190K at 7% = 1264.07 a month
    190K at 8% = 1394.15 a month
    190K at 9% = 1528.78 a month
    190K at 10% = 1667.38 a month
     
  16. nootrac22

    nootrac22 Well-Known Member VIP

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    that's principel and intrest only??
     
  17. reckedracing

    reckedracing TTIWWOP VIP

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    thats correct, principal and interest, no escrow, no taxes, no PMI, no insurance
     
  18. eg6sir

    eg6sir Supa Mod Moderator VIP

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    doesnt seem to bad.. nothing i cant afford.. but i'm still gonna see if i can find something cheaper.. $190k is just my limit..
     
  19. nootrac22

    nootrac22 Well-Known Member VIP

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    Property Tax Rate*


    12.11x 190= 202.11
     
  20. eg6sir

    eg6sir Supa Mod Moderator VIP

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    so, whats that saying??
     
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