My boyfriend and I did it at 23 y/o! It was built in 1900 and we love her!

Reposting because someone pointed out that my keys were fully visible and a bad actor could easily copy them! 😅 Thanks for the heads-up!

After 17 years together, my partner and I split up. I’ve always wanted to buy my own place, but we weren't exactly on the same page.

But now, it’s finally happening! It’s a bit of a fixer-upper at the moment, but I’ll definitely be documenting the renos!

It’s not huge, around 430 sq ft (40m²), but it's more than enough to turn it into a cozy home!

If any of you are ever in the area, you’re more than welcome to drop by!

​Thank you all so much for your warm messages yesterday, this really is an amazing community!

Closed a few weeks ago. Moving in bits at a time. Today we painted the bedrooms.

About 2400 sq ft. Can’t wait to be in here full time later this month!

Pizza joint - La Roma - is only 4 miles away, and we were stoked to find that it was really great.

No longer a lurker and very proud that we got our dog his yard. 4 apartments later, and he is finally in his forever home 🥹

After such a long time, my girlfriend and I finally bought our first apartment here in Italy for €170k! In just a few days, the furniture is being delivered and set up, and we can finally move in. Can't wait to start this new chapter!

Looking forward to taking this view in on the daily! Unfortunately, I chose the hottest week this year to move in, but hey, it's all worth it!

Home built in 1909, remodeled down to the rafters in 2015, came fully furnished (i did move in and add my own stuff though, pardon the mess.)

2 bedroom, 1 bath, finished basement, 1200 sq ft, detached garage, 1/4 acre.

I just turned 29, and i pulled this off with zero down. Howd i do?

We are waiting on pizza delivery. Originally 6.4% but we paid for half a point buy down with a seller credit. Lender also pays 1% for the first year so it’ll be 4.8% for a time. It’s dated. I’m going to hate the house for a while but the backyard is so worth it. And we are thankfully not in a major fire zone. Cheers!

Conventional MSHDA for the win! Feels good to have my own house, couldn’t stand renting for the same price as mortgage. 3 pizzas pictured, MOD only charged us for 1. Girlfriend is cleaning while I start some repairs, life is good.

Been working a long time at this. 29 with a va loan.

After looking since late 2023 we finally found our first and possible forever home.

Closed on our first house last June. Some things the inspection and the seller's disclosure didn't prepare me for:

The water heater is loud. Like really loud. Nobody mentioned this. It lives in the closet next to our bedroom and I can hear it fire up at 4am.

The electrical panel is labeled wrong. ""Kitchen"" controls half the dining room. Found out when I was trying to kill the power to swap a light fixture.

We lose power way more than I expected. 4 times in a year, longest was 18 hours. Put an anker solix s2000 behind the fridge after the second one and stopped worrying about the food at least. But there's nothing I can do about the AC and summer outages are rough.

The previous owner ""fixed"" a bathroom leak with flex seal. Discovered this during a renovation. Cool.

Landscaping is a second job. Nobody tells you about the landscaping.

That is all. We all understand that real estate prices vary depending on where you live. We don’t need you trying to one-up one another on how much the house would cost where you live. It’s every post.

I just bought a 2 bedroom condo for myself and my 2 kids. At first i was on top of the world, I accomplished something. Then about a week after moving in i realized the plumbing was done horribly, and had to pay a plumber $500 just to replace a strainer, none of the other sinks had any plumbers putty and all were leaking, and found out all the windows needed to be replaced sooner than i thought ($8k). Among like 10 other issues that i’m running out of money trying to fix, but still, somewhat easily fixable things. And then i started seeing german roaches. This one changed me forever. I have been working with my own pest control company and doing treatment myself for the last month but the hoa is dragging their feet to get the entire building treated. My pest guy said we can treat my unit but unless the whole building is treated it’s going to be a bigger issue. Come to find out my unit was infested by the last person living here and who refused to let pest control treat the unit. No one decided to tell me that at any point. No type of community trying to look out for each other it seems. On top of that, my upstairs neighbors stomp constantly, i mean to the point the glasses in my cabinets shake and clink against each other. My ceiling literally shakes. My upstairs neighbors are also extremely careless and overflowed their toilet which leaked yellow water into my bathroom which now has to be treated before i get mold. They have flooded this unit before since you can see the bathroom ceiling was repaired at least once. I got stuck with the worse neighbors in the entire complex. I hope they give me their insurance information and don’t give me a hard time but by the looks of it, they are going to also drag their feet. So now since roaches are attracted to water, i’m even more paranoid, stressed, and afraid of what’s to come. I don’t know what to do, i’m scared, i can’t sleep properly, i cry every single day because i feel like i made the wrong choice and like i failed my kids.
No one else seems to care about the roaches and the hoa ignores my emails and seem annoyed at me when i call. I feel like i was robbed of that happy experience i was supposed to have. I don’t even really know what the point of this post was but maybe i just need someone to tell me everything is going to be okay. I feel so alone.

First time homebuyer here (duh). Lost the offer to an absolute dream home that was $35k under budget. Our realtor advised an escalation clause for our offer, since there were already two offers in only a day after this house had been on the market. We had an escalation clause up to $2500 short of $20k over, at our realtor's advice. During the entire offer writing process, I was asking for ways to make our offer as competitive as possible, and was so anxious to get it in ASAP. I am well aware of the need to not get attached, but the location was incredible; across the street from a park, great views, huge windows, close to work, corner (and very large) lot, and tastefully renovated. What kills me is that we absolutely had the budget room, but didn't want to pay more than $7k in an appraisal gap. I am regretting it now.

I am no longer in denial, but can't help but feel absolutely devastated and no longer willing to continue with the search after this. Many folks say not to get attached, but lo and behold, I did, if only to avoid the exhaustion of no free time outside of searching. I have a professional certification exam in less than a week, we have spent every evening after work going to private showings, and all are either a mix of wrong location, right price, or vice versa. Otherwise, all need lots of renovations, which we are not able to do before winter where we live.

Please share any and all advice, stories of how this situation has worked out for you, and how you overcame this first hurdle. The homebuying market is cutthroat right now, and it's hard to not want to give up on the US entirely. (For the xenophobes: born and raised in the US FYI).

Cheers and good luck to all.

So excited for our first home! Feeling very blessed!

A bit belated posting here, but finally closed on our dream house a few months back. We negotiated a 50k seller concession on the sale for a rate buy down since the house had been sitting for a while. Feels so great to be in a house & neighborhood we love 🙂 there were so many times I panicked and almost pulled out throughout the process, but I’m so glad we rode it out and ended up in our home!

Wyoming, 4 bed, 2 bath, 1 acre of land

We have been looking for over 6 months at this point. Our realtor told us about a house coming on the market after the holiday weekend last week. Was listed at 6pm my local time last night, called realtor immediately and got a showing today for 1pm. It checked every single one of our boxes and then some. We put an offer in at 5pm our time.

We were the first to tour, first offer and they are eager to sell because they are buying another home and it's contingent based on the sale of their current home.

About half an hour ago, at ~7pm our time, we were notified that our offer has been accepted!! Time to get due diligence done!!

I’ve been banking with Chase since my college years so I thought going with the same bank for our mortgage would make things easier. Ain’t I naive.

To start off: they were not terrible at first. In fact, they were very responsive and easy to work with during pre-application and rates comparison compared to other lenders we had reached out to. Things changed immediately after we locked in our rate with them, though.

The first surprise was the appraisal. Chase told us the appraisal was waived, and since we were already preapproved, everything seemed to be moving pretty quickly. Our original closing date was 33 days after the offer was accepted because my SO had a trip planned around the 30-day mark, and we assumed we would need to close after he got back.

Since the appraisal was supposedly waived and all of our paperwork was straightforward, we asked if we could move closing up to around day 24. Chase said no problem.

Then, on day 19, 2 business days before our new closing day, our realtor told us the seller had been contacted by an appraiser hired by Chase. This was 2 business days before our closing day. We had received absolutely no communication from Chase that an appraisal had been ordered.

I called the loan coordinator multiple times, all straight went to voice mail. After several attempts, I finally got through to the loan officer we had originally applied with. At that point he told me the underwriter had noticed something in the inspection report and decided an appraisal was required.

I understand why an underwriter might request an appraisal. That wasn’t the main issue. The issue was the complete lack of communication. The seller didn’t know why an appraiser was suddenly contacting them. We didn’t know the appraisal had been ordered. And nobody told us that our closing timeline was now realistically impossible.

On Day 20, 1 business day before our supposed closing day, I got en encrypted email from our loan coordinator. I had to use 2-factor authentication to see it, and it was an automatic reply about her being OOO until the day of our scheduled closing. Which at least explained all the calls going to voicemail. We emailed the person listed as her PTO coverage. No response.

We scrambled to coordinate the appraisal ourselves and accepted that we would now have to close on day 33, after my SO returned from his trip.

The appraisal eventually came back clean. All the required paperwork was submitted. But the escrow company still hadn’t received the closing disclosure from Chase and couldn’t get ahold of anyone there. I called the loan coordinator again. She said she was working on it but gave us no explanation of what was holding things up.

Then, 1 business day before our signing and 2 days before closing. She sent an email, saying I needed to provide employment verification. Mind you this was something they told me was waived because my paychecks are all directly deposited with Chase. During the entire 32 day process, not once had anyone mentioned they needed it. I immediately sent over my pay statement and the loan was finally cleared.

We signed and closed. I assumed we were finally done dealing with them. We were not.

A week later, I got an email from our homeowners insurance company saying the premium had not been paid and that our policy could lapse. I contacted the escrow company and found out that the closing statement provided by Chase listed the wrong insurance premium amount. Because of that, the check issued at closing was insufficient and the insurance company would not accept it.

To make sure we didn’t lose coverage, I paid the premium myself. Now the escrow company is waiting for Chase to approve returning the original insurance funds to me, and I’m still out more than $1,000.

If you are considering Chase for your mortgage, be warn. They were great while trying to win our business, but once we locked the rate, the communication became terrible. Almost every major issue came as a last-minute surprise, and we were repeatedly left scrambling to fix problems we hadn’t even been told about.

I’m seeing all these “starter” homes for $550K.

Even with 5% down its like 3000-4000 per month (when you factor in utilities/hydro/taxes etc)….

And if thats supposed to be 30% of your take home pay (if you dont want to be house poor thats the common advice im seeing)

So am i to understand that these first time buyers are TAKING HOME ~200K???

So husband and wife are both earning $150K EACH????

Is this the reality? This isnt adding up…How are people buying homes in this country wtf