Sara (my fiancee') and I are looking for a roommate to help with some of the costs around here.
Details as to the housing:
It would be a 2 bedroom loft apartment, you would be residing downstairs in the master bedroom, and be using the public (not PUBLIC, but not connected to your room) bathroom across the hall.
Sara and I would be upstairs in our little tiny apartment type thing with our bedroom and bathroom (both smaller then the master Bed and bath)
As far as Rent money, nothing is set in stone, but I'd ask for 400 a month (total rent is 980 per month), which includes cable and electricity and some groceries. We'd ask for a little help keeping food in the place.
We don't have many requirements, just be respectful of us and our neighbors, don't be throwing parties everyday, if you're a smoker, you need to smoke outside and pay rent with us on time. We'd be paying about 700 a Month (between all the bills) so, we wouldn't be conning you out of anything, IMO 400 a month for all of that is a steal!
Please feel free to contact me here, Aim @ quikboostdecotec or at my cell (pm for number)
I hope we can work something out with someone!
(we do have cat's, thats really all we bring to the table, if you're interested please contact us and if we feel it's a good match we can all iron out the details. It would include signing a lease with our current landlord, but is not a big deal, we have a very good standing with them)
w/d included, trash, snow removal also included, beautiful landscape, comes with gym and pool, 24 hr maintenance
Mods: I checked with Ron before posting this, and he said it's ok, so any question please ask me or him
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I got your instant message but you're in bed now. Is it in the same place you're living now or farther west? I don't want to go to far from my new work location.
Same development, just across the street. Plus the enw turkey hill opened down the road, 4 minute walk to 24hr goodness lol....
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shame im at school....living with the boosted one would be sweet..lol
My car may run 18s, but I can do your taxes in 10 seconds flat.
JBO lube - they would never have enough in stock and we'd never see RodimusPrime again
Good luck!
Sweet jesus on that rent though, that's a few hundred more than the mortgage on my last house!
stargrrrl wrote:Good luck!
Sweet jesus on that rent though, that's a few hundred more than the mortgage on my last house!
true, but we dont pay school taxes, property taxes, all of our utilities are included except for electricity.
Stargrrrl - could you maybe explain the whole house thing? I would love to get a house, but we don't have the 20% saved up that most places expect. We dont need something gigantic, just a 2 or 3 bed, 1.5 or 2 bath single garage home... I really never looked into a house at all, maybe I should?
Edited 1 time(s). Last edited Wednesday, January 30, 2008 4:54 AM
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Phil we had to put like three percent down. for our house that was 204000 it was a bit over 6 grand.
n8ball2013 wrote:Phil we had to put like three percent down. for our house that was 204000 it was a bit over 6 grand.
Man our house wouldn't be near that much around here. I'd figure anywhere from 130k to 160k
I am actually going to start looking
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ya Phil, depending on the loan program you go with, you can negotiate the ammount you need to close. I ended up having to come to the table with $600 to close on my house.
plus with interest rates so low now, its worth your while to look around!!!
also, look into sellers concessions......where they pay part of the closing costs
my house is 4 bed, 2 bath, 2.5 car garage, and with all taxes and escrow included......my payment is under $1000
I know absolutely nothing about houses. Who would I even go to to talk with about purchasing a house? We can what you pay, thats not too bad, more then we pay now, but we can always rent out one of the rooms or something.
I am really appreciating this help!
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your best bet is to go to either a mortgage company or even a regular bank branch and talk to a loan officer. they will sit down with you, go over all your current bills/debts, and start showing you different program options that fit your budget/agenda
once you talk with a loan officer, they can basically tell you on the spot what you can afford in a house, and how to go about getting it. although be careful there......I work at a mortgage company, and am friends with the loan officer who helped me, and yet she told me i could afford about 100k more than i really could. so if they say you can qualify for a 200k loan.....assume that you can do 100k feasibly.
once you meet with the LO, you can usually get a pre-approval pretty fast, which then once you have the pre-approval...you can find a house you like and make an offer since you now know you have the funds to back the offer. a pre-approval is basically your ticket to buying a house.
if you have any other questions, just let me know and i'll help the best I can
Joey Baggs (JCE Designs) wrote:your best bet is to go to either a mortgage company or even a regular bank branch and talk to a loan officer. they will sit down with you, go over all your current bills/debts, and start showing you different program options that fit your budget/agenda
once you talk with a loan officer, they can basically tell you on the spot what you can afford in a house, and how to go about getting it. although be careful there......I work at a mortgage company, and am friends with the loan officer who helped me, and yet she told me i could afford about 100k more than i really could. so if they say you can qualify for a 200k loan.....assume that you can do 100k feasibly.
once you meet with the LO, you can usually get a pre-approval pretty fast, which then once you have the pre-approval...you can find a house you like and make an offer since you now know you have the funds to back the offer. a pre-approval is basically your ticket to buying a house.
if you have any other questions, just let me know and i'll help the best I can
thanks, yeah I appreciate it. The really only thing screwing me over is my student loans. They were sending the bills to some random person at some random address and did not have the right phone number on file. Well a year later I was being declined for a bed. Turns out my credit rating went from a 760 to a 580. So I am currently in the process of getting those defferred and trying to fix the problems that they caused.
That would be my biggest hurdle. I have never missed a payment (that I've known about on any bill) and for the last 4 years of renting have never missed, have never been late or have ever been evicted from a place, so hopefully, that shows some sort of integrity.
Now, would a realitor be a good idea, or would that be an if needed type of thing?
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usually you would only get a realtor if you needed to sell a home while looking for another.
so say you are looking at a specific house, the owner has the realtor....which you can choose to go thru them to help get the process started as they can help find lenders for you, but IMO it's not really worth it.
obviously the seller of that home is paying that realtor a commission on the house sale, and if you go thru a realtor, they may try and charge you extra fees for their help....when in actuality all they did was show you a house for someone else.
its usually best to go look at houses yourself and try to find financing on your own. loan officers will do the same thing a realtor can for you.....only difference, is the LO's are closer to the lender and can influence...as well as they dont charge you a commission...thats all behind the scenes with the lender
Ok so basically it's go see a LO, see what I can afford, then go find a house.... seems easy when put that way.
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I went thru a buyer agent. She gets money from the seller of the house; nothing out of pocket for you. She'd pull up houses, set our appointments, and away we went. She also introduced us to the mortgage company who took care of our loans. As far as the 20 percent goes, to avoid PMI, you can do an 80/20 loan.
Yeah, my father had said a lot of places may factor in that 20% into the loan. But if I can get away without it, I'd be happier.
I still like my roommate idea lol
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If you moved east I might be able to swing it but that takes me from a 10 minute trip to work to an hour. No thanks buddy. Plus my rent is cheaper at home
Phil aka QBE wrote:stargrrrl wrote:Good luck!
Sweet jesus on that rent though, that's a few hundred more than the mortgage on my last house!
true, but we dont pay school taxes, property taxes, all of our utilities are included except for electricity.
Stargrrrl - could you maybe explain the whole house thing? I would love to get a house, but we don't have the 20% saved up that most places expect. We dont need something gigantic, just a 2 or 3 bed, 1.5 or 2 bath single garage home... I really never looked into a house at all, maybe I should?
I was talking about the mortgage & the escrow. Escrow covers all of the taxes & insurance. My payment on the first house was under $700 a month. The actual mortgage was $400 something. Taxes do suck & as a renter, those costs are passed on to you, so you pay it either way.
I want to say the 20% down is to avoid PMI - private mortgage insurance. You have to pay that until you earn equity in the home or you have the loan paid down a certain amount. To avoid that, sometimes people take out 2 mortgages, one being a higher interest, but that way you don't pay beyond a certain amount on the one loan that would make you owe PMI. I don't remember everything 100% since I did this a few months back.
You are better off with a realtor if you don't know what you're doing the first time around. That, or talk with someone who has bought without a realtor. There are all sorts of steps beyond looking at the house and handing over the money. You need to get all sorts of deed clearance and you would really be smart to get an inspection. The mortgage company does some of that so they know that their money is going to something worthwhile, but there are steps that you need to make as a buyer too. I'm sure there are books out there. As a buyer, I didn't pay a single thing to my realtor. As a seller though, 6% is standard.
...or you can move into a cheaper apartment. There are ones on the edge of my neighborhood that start at $699 for a 2 bedroom according to what I saw in the paper. I'm very happy with the area where I live & feel safe. I don't fear my property being ruined. There are some other apartments that are townhouse style back in my part of the neighborhood, I think they're though American Heritage.
cool, thanks susan
the problem was when we moved in here we had to find some where asap that allowed pets. We pay 740 on a single bedroom, I know it sucks, don't remind me. We are trying to find something cheaper that allows pet's, trust me on that too lol
Thats why were trying to find a roommate and move into one of the biggest apartments they offer, we'd be saving like 300$ a month
Edited 1 time(s). Last edited Thursday, January 31, 2008 2:54 AM
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To find pet-friendly rentals, check out
http://www.humaneleague.com/AboutUs/pet_guide.html
The last post was what I could think of off the top of my head during my break. I realized afterwards that the 20% down isn't go get rid of PMI for sure, I put 20% down on my current home and still have PMI. There's a certain ratio that you need to achieve of what you owe to what it's worth, which I can't remember.
And to give you real life numbers -
My first house cost $74,900
We put $4,000 down
Closing costs were about $5,000, so we financed the $1,000
Total mortgage: $75,900
Like I said before, the cost of the mortgage plus escrow was around $640 or something, I always paid in $700. Every little bit extra on the principle helps.
Mods to the house were:
Heat/ac system @ $2,500
Low E & Argon, whole house of windows @ $2,200
Paint & fixtures @ $500 best guess
Carpet @ aprox. $1,500
Update bath (shower/tub/fixtures) @ aprox. $600
Landscaping @ aprox. $200
Appliances @ aprox. $2000
-------
Aprox. $9,500 Spent
From November 2004 until May 2007, the value of our home went up $26,000 for a profit of $16,500. How's that for a worthwhile investment? Mod a house, not a car. Our profit, after paying for our realtor, covered the 20% down on the new house and enough to re-carpet 3 of the 4 floors.
The thing to remember in this area when you buy is that you can't start at the top unless you have a lot of money. You will have to compromise to get your foot in the door. Our first house wasn't in an ideal location & didn't have a garage, but we were motivated to get it done and see a profit to make our next step. The new place, other than the fact that it's a semi-detached, is our perfect house. We've got just shy of a 1/4 acre, 1800 sq. ft., 3 beds, 1.5 bath, finished basement, finished attic, garage with storage above it & a descent-sized driveway. We're in a neighborhood where people appreciate what they have and most take care of their property, something you may not find in some other cheap end neighborhoods. Everyone has been friendly & most people wave or say hello when we walk the dogs. We're so proud to live here, we've worked so hard. Sweat equity can pay off!
To start your search, check out realtor.com. If you do look around online and find sites that show you how much a mortgage on that house would cost, don't believe it because they don't figure in taxes, interest, or your interest rate. I can give you our mortgage lady's info if you're interested. She is very patient & helpful. She'll explain everything as many times as you'd need to hear it to get it. She's located next to the Turkey Hill in Akron. Also, if you & the girl decide to buy her another car & you're seriously considering buying, try to buy the car after the house. Buying the car will only hurt your credit.
All of this is out the window though if you don't have any savings or the ability to save. You should ALWAYS have a good amount in savings because when you own, you are the one that pays for repairs. If you have a water heater go, or your AC doesn't work and it's 90 out, you can't ignore it. The best you can do if you don't have a savings is rent where the price allows you to save a good amount.
There's a REALLY nice 2 bedroom apt (landlord allows cats for a small fee and deposit) right in front of us for rent still I think for 575 a month... only downsides... you're way out here, and you have to put up with me as a neighbor LMFAO, oh yeah... and you're way out here
move to hbg
1989 Turbo Trans Am #82, 2007 Cobalt SS G85
Thanks susan I appreciate all your help. It's awesome, yeah we are trying to save now, its tough since I am digging myself out of this hole I created for the car... Now that i dont mod cars anymore, I notice a lot more money, but that goes to credit cards. The new trailblazer will be on her credit, seeing as she has none atm. Personally I want to buy a house, cause I am sick of living by someone else's rules and I'd love my own place. I found this nice place out in East Hemp filed, it was on a .5 acre lot, 4 bedroom 2 bath, 1 attached garage 1 detached w/ electric for like 115,000, not bad. But anyway thats my wants.
Nikki - I will keep you in mind.....
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Phil buy a house man, my parents just picked up one in PA for 120K, beautiful house... My brother is getting a resort up there for around 400k with everything included. The market up there is great for buying homes
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