how to buy a house reddit

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If you’re planning to remain in a place for a longer period of time, buying a house is usually the way to go (however, this equation changes with home values in your area, employment trends and several other factors).
Also, don’t forget moving fees and labor, and any fixes that you might have to make to the house upon moving in, plus monthly maintenance fees if you’re moving into a condo or planned community.
Keep in mind, in addition to the mortgage costs, you’ll have to pay the closing costs and legal fees, which are usually 2% to 3% of the house price.
While agents use comparable houses, or “comps” as way to price a house, consider what it might cost to buy and build a home on piece of land in that area.
Renting makes sense if you plan to live somewhere for a relatively short period of time, as the costs associated with buying a home — such as escrow fees, taxes and closing costs — take some time to amortize.
While thoughts of white picket fences and granite countertops might be dancing in your head, you don’t want to be carried off by a dream and left holding a serious bill.
With this first-time home buying section, you’ll be on your way to owning your dream house in no time.
First-time home buying can be a major stress simply because of the novelty and the complication of the whole process.
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Kolko: “Manhattan prices are sky-high, making Manhattan one of the few places in the country where it's cheaper to rent than to buy a comparable unit.
“Coming out of this housing crash, the big change is that people now realize housing is not a risk-free investment.
“Building a new home (or buying one that's under construction) lets you customize features yourself, and its often easier to build in certain features (Ethernet wiring, radiant heat, etc.) from the start than tearing up an existing home to add them.
A wide range of companies making the 2014 HW Fast50 suggests that — are you ready for this? — maybe things aren't as bad in the U.S. mortgage and housing markets as some breathless press might otherwise suggest.
Kolko: “Southern California home prices now look about 10-15% overvalued relative to fundamentals.
Kolko: “When you look over the really long term, housing has tended to be roughly similar to stocks/equities.
“Housing affordability is always a challenge for California, especially in the big coastal markets.
Even though prices have jumped in the last 2 years, they're still in rebound mode after the huge price declines of the housing bust.
Kolko: “Our research shows that home prices still look 5% undervalued nationally.
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Before you go shopping make sure you have the cash on hand for a down payment and a mortgage lender who is willing to provide you with a home loan at an affordable rate.
In addition to mortgage and principal payments, buying a home means paying for insurance, maintenance and real estate taxes.
“Real estate is not as liquid an investment as it was 5 or 10 years ago,” cautions Steve Domber, president of Prudential Serls Prime Properties, a real estate broker firm operating across New York state and Connecticut.
Get pre-approved by a lender or mortgage brokers (and check out your broker at nmlsconsumeraccess.org). Pre-approval can help expedite the closing of your purchase, a process that given the current economic climate can take months.
Skirting the traditional 20% down payment means a mandatory additional expense: private mortgage insurance.
Are rents cheap and homes costly in your city? Are you planning to move in the next year or two? Is your job looking iffy? If any of these apply, buying might not be a good move.
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So when you make your offer to sell, you put in a list of things that you would accept, like: 15 platinum OR iron phoenix mod.  People can then browse the Exchange and choose what they want to spend.  I’m not sold on the idea of credits being an option, since in a very real way credits represent play time.
Credits-only AH would be unused.  "Credits become useful if they can buy stuff on the AH" runs into a problem of putting the cart before the horse.  The only way you can buy stuff on the AH is if people actually list things there, and with no actual need for credits no one would list anything.
So you want some pizza, who doesn’t right? By this point, you should already have a Reddit account, be logged into the site and looking at the RAOP sub-Reddit.
People post messages on the site, some of those messages are from people wanting to give pizza away and others are from people looking to get a pizza.
Remember, you can make your offer about anything you want (within the law); you’ve got the pizza to give! To start, scroll down the RAOP sub-Reddit until you see the submit button.
As great as this all is, people still try to scam the system by getting as much pizza as possible through creating multiple accounts.
Once you decide who gets the pizza, you’ll send them a private message asking for their details, such as email address.
See below for a link to a list of current pizza places that offer e-gift cards and also check out the list of current coupons.
People with pizza to offer will title their posts with the tag “[Offer]” at the beginning.
This will give people an idea of the time zone you’re in and if it’s possible for them to get a pizza.
This helps us prevent scammers from creating multiple accounts and request multiple pizzas by checking your IP address against recent pizza receivers.
Now that you know how you’re going to buy the pizza, it’s time to post your offer.
If this makes you uncomfortable, many people use e-gift cards to give pizza.
Once someone decides they have a pizza for you, they’ll most likely send you a private message or ask you to send them one with your address.
This means is you’re going to post a message requesting someone give you a pizza.
In this case, you send the person your email and they send you an e-gift card for a sum of money that allows you to order your own pizza.
We want to make sure the pizza sauce is spread to as many people as possible.
Before you actually post your offer, you should decide how you’re going to pay for the pizza.
There are a million different reasons why people want to give pizza away and just as many for why people want a pizza.
You could be looking to help a person out who’s in need, or you could be looking to give a pizza away to the first person who drives a green Ford Taurus.
Random Acts of Pizza exists as part of a sub-community on a website called Reddit.com. It’s pretty simple.
Below is a list of pizza places that offer e-gift cards.
Do not request more than one pizza without telling people you have already gotten one.
In order to increase your chances of getting a pizza, you should get a verification code first.
From home listings to moving guides and even mortgage help and information, Move.com gives you have access to everything you need for your real estate search.
In addition to comprehensive real estate listings and apartment rentals, we also offer informative real estate and moving guides, mortgage information, home buying tools, and even senior housing listings.
We provide detailed real estate listings, including new homes for sale, apartments for rent, and a wealth of resources on moving, finance, rentals, and more.
So regardless if you’re a first time homebuyer, looking for an apartment, or looking to move to a new neighborhood and into a new home, Move.com is the comprehensive resource to guide you through the entire moving process.
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