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Author Topic: House, Mouse,
Mac D
BlabberMouth, the Next Generation
Member # 2926

Icon 4 posted September 14, 2004 17:10      Profile for Mac D     Send New Private Message       Edit/Delete Post   Reply With Quote 
We are buying a house and are wondering if anyone out there in geek land knows some good on-line resources to help us out. We really don't feel like geeting it in the rear and want to cover our assests. We know where we want to live we did alot of driving around looking at places and looking on the web and have a place in mind that we want and so far as we can tell we need to contact the realtor and get a loan. Anything any of you home owners can think of that we would want to keep our eyes open for?

P.S. We will not be getting the mouse, My spouce has advised against it

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There's nothing wrong with me, This is how I'm supposed to be.

Posts: 1449 | From: Where I am is very relative to my location at that time. | Registered: Sep 2004  |  IP: Logged
Cap'n Vic

Member # 1477

Icon 1 posted September 14, 2004 19:54      Profile for Cap'n Vic     Send New Private Message       Edit/Delete Post   Reply With Quote 
Do not contact a real estate agent.

Figure out what you can afford to pay bi monthly for a mortgage. Make sure you include things like utilities/taxes/insurance etc.

Google for a 'Mortgage calculator' to see how much your biweekly payments add up to over 15, 20 and 25 years.

Get a pre approved mortgage from a bank, shop around for the best rate....don't be swayed by swag like airmiles or free toasters....you want a low rate.

Attend every open house you can to see what is out there.....

Find your house, make a conditional offer....offer 10% under the list and hope to meet in the middle.

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(!) (T) = 8-D

Posts: 5471 | From: One of the drones from sector 7G | Registered: Jun 2002  |  IP: Logged
The Famous Druid

Gold Hearted SuperFan!
Member # 1769

Member Rated:
4
Icon 1 posted September 14, 2004 22:35      Profile for The Famous Druid     Send New Private Message       Edit/Delete Post   Reply With Quote 
What the Cap'n said.

Plus:
Do your mortgage calculations on at least 1% higher than the current rate. There's nowhere for them to go but up from their current historic lows.

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If you watch 'The History Of NASA' backwards, it's about a space agency that has no manned spaceflight capability, then does low-orbit flights, then lands on the Moon.

Posts: 10671 | From: Melbourne, Australia | Registered: Oct 2002  |  IP: Logged
TheMoMan
BlabberMouth, a Blabber Odyssey
Member # 1659

Member Rated:
4
Icon 1 posted September 16, 2004 03:57      Profile for TheMoMan         Edit/Delete Post   Reply With Quote 
Mac D ______Take level with you and check every vertical and horizontal surface for that, also check the foundation and basement for cracking and settling. Plumbing, electrical and heating are eazy to fix putting a new foundation under a house is expensive.
Then look at the heat type forced air is the most common but radiant (in floor or wall heaters) is so much more comfortable and much quieter.

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Those who would give up essential liberty to purchase a little temporary safety deserve neither liberty nor safety.


Benjamin Franklin,

Posts: 5837 | From: Just South of the Huron National Forest, in the water shed of the Rifle River | Registered: Sep 2002  |  IP: Logged
GameMaster
BlabberMouth, a Blabber Odyssey
Member # 1173

Member Rated:
4
Icon 1 posted September 17, 2004 00:37      Profile for GameMaster   Author's Homepage     Send New Private Message       Edit/Delete Post   Reply With Quote 
Find a good lawyer or read over sample offers and settlement papers ahead of time. Find a good home inspector -- aside from keeping you from paying too much for a house that is falling down, it'll also help you get a good rate on your morgage. If the basment has paneling, make sure to look behind it (the paneling) before you make an offer.

When mum started looking at this house there were some serious foundation problems, before we would buy we had the seller escavate the trouble areas, strighten the wall and run reinforments through the blocks that make the exerior basment walls, and replace the soil and repave the drive they needed to take out.

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My Site

Posts: 3038 | From: State of insanity | Registered: Mar 2002  |  IP: Logged
Cap'n Vic

Member # 1477

Icon 1 posted September 17, 2004 08:48      Profile for Cap'n Vic     Send New Private Message       Edit/Delete Post   Reply With Quote 
A lawyer? Are you off your fscking rocker?? It would be cheaper to burn a big pile of money than to 'consult' a lawyer.

Only use one to draw up the papers at the closing.....this will still cost you $800 to $2000

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(!) (T) = 8-D

Posts: 5471 | From: One of the drones from sector 7G | Registered: Jun 2002  |  IP: Logged


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