Post # 1
Hey bees. My FI and I rent a downtown loft condo right now, and were originally planning on waiting until next spring (2015) to start looking for a house, as we wanted to wait until after our wedding (Nov 15) and honeymoon (Dec-Jan 2014/15). However, our building has been having a lot of issues with theft and break-ins lately, and we are both feeling increasingly anxious and unsafe. So we have started house hunting this week. We’ve found a couple we love which are well within our price range. We have more than enough saved for a 20% down-payment plus a nice nest egg and short-term savings so we wouldn’t be house-poor. So money is not the concern…time is.
We are getting married in two months and I’m very stressed about the possibility of having to deal with a closing/move and a wedding (200+ people) in the same two-month span. At the same time, I know that buying a house can be a long, drawn-out process at times, and since we will want to get out of this place ASAP after the wedding, we’d hate to have to wait a month or two for hunting, inspection, closing etc.
Has anyone been in a similar situation? Do you have any advice? If push comes to shove, we might just buy a house now and sit on it until after the wedding, then move immediately after. Obviously it’s not ideal making two housing payments each month for a month or two, but we definitely can afford it if need be and still be in good financial shape. Wondering if we are flat-out crazy for considering this? We are first time home buyers so I have no idea what to expect, and am wondering if anybody on here has successfully bought a house, moved, and then had a wedding within less than two months. I’m really open to any advice or experiences you care to share.
Thanks in advance everyone!
Post # 2
It would create a lot of stress to add this into the mix.
I also know two couples who bought houses together before their wedding. In both cases, the weddings were called off.
I am sure lots of people buy a house together before marriage and it works out fine, but the experience of those two friends made me decide I would never do that.
Post # 3
Carolsays: I realize it’s not ideal…however, the option we are considering most heavily is to purchase the house, but to wait to move. I wouldn’t think that would have too many adverse effects on wedding planning…
Post # 4
We bought a house 2 months before the wedding (because my lease was up at my apartment), and it was incredibly stressful. I was also really busy with work. So those 2 things + wedding planning was a lot to take on. Unless you find the perfect place and don’t want to miss out on it, I would say wait until after the wedding.
Post # 5
Rue7514: Thank you for your input! Sounds like you were in an extremely similar situation so I appreciate your perspective.
I probably should have mentioned that I work as a privately contracted service proviser and can take time off whenever I need it for any reason. I usually only work about 25 hours per week as is and would work less leading up to the wedding.
But I think what we will most likely do is buy now (we found a place that we really love) and move after the wedding. Hopefully that won’t cause too much stress.
Post # 6
- Wedding: May 2015 - Walnut Hill Bed & Breakfast
I’d say only buy now if you find a house that you will be really upset if someone else buys it.
We had an offer accepted in mid-July and we close on September 19th. (it would have been August 29 but we had to get some work done on it to get the loan approved) That said, our wedding isn’t until May. We both live with parents now and so I will be moving in sometime in November (once I collect the neccessities) and he wont be moving in until after the wedding. (his parents house is way closer to where he works now anyways, so he can save money that way. Plus my parents would be mad if he moved in.)
Post # 7
applecat: I’m not going to lie to you, it’s super stressful. We closed on our house last week, move in next week, and we’re getting married four weeks later. The last couple of months have been really rough.
BUT. It’s totally managable. I think it depends on your priorities and how bad you want a new house right now. For me, I wanted to be moved in and settled into our home before the wedding, so that once we’re married, we can focus on being married (and TTC). Then we found the perfect house (after having an offer on another house fall through, which was more devastating than I ever could have imagined), and we really didn’t want to risk losing it. I didn’t want to have to worry about any of the drama and stress that comes along with searching for and buying a house after the wedding. I figured, I’m already going to be losing my mind, so why not lose it all at once? Yes, I want to pull my hair out at various times throughout most days, but overall, I am SO excited to move into our first house, and I cannot wait to marry my FI. I’m happy we’re doing it this way.
As long as you stay organized, make sure your finances are always in order, and know that this is something you really want, you’ll be fine. Good luck!
Post # 8
applecat: We are getting married in December and are about to close on our house now. My advice to you would be to understand things don’t always go on your timeline. You may end up moving a couple weeks after your wedding due to the banks timeline. We put in our offer 2 weeks ago, they just got their paperwork done. We are set to close on the 30th, but still no inspections or anything has been done. Therefore our close date could be pushed back if nothing is done. We started looking for a house 3 months ago, so as you can see the whole process has taken us about 4 months. So you may get lucky, you may not. I’d say go for it!
Post # 9
start searching. if you find a house you MUST have, put a bid in on it. maybe you don’t find one right away. don’t settle for a house just because you want to get out of where you are ASAP.
if the house it meanth to be, you will find a way to make it work with closing and the wedding.
for me, wedding planning wasn’t all that time comsuming. house hunting was time consuming, but the closing and inspection were not a big deal.
Post # 10
I agree with others who say that you should only buy now if you find a place you really love. That said, I would think that feeling anxious and unsafe about your current living situation would be fat more stressful than moving and closing on a new house.
I would suggest finding a good Buyer’s agent to help you. They take on most of the running around that buying a house involves- inspections, appraisals, title insurance, etc. and advise you when decisions come up. I would also suggest having any major work done on the house before you move in- painting, repairs, floors or carpeting. Trying to do that work while also living there out of boxes is tough. Lastly… HIRE MOVERS. They are totally worth it! Then when you move in just pull out what you need to live day to day and make sure you know where all of your wedding stuff is… you don’t want to drive yourself crazy looking for it. You can wait to decorate and finish unpacking until after the wedding. Good luck!
P.S. Be careful with short sale, foreclosure, or bank-owned properties. A lot of times these have heavy price reductions and look like a great deal, but they can also take a VERY long timee to negotiate and close on.
Post # 11
Been there! We’ve been renting a house for a few years- really like the house but figured after we got married, we’d look at buying a house in a year or two. We are getting married Nov 2014. Well, in January my landlord told me that she was going to list my house as a shortsale because it was heading for foreclosure. So here we are, saving for our upcoming wedding and now we’re forced to decide if we want find another house that we love, pay all of the moving expenses, or…some how try to buy a house.
I didn’t want to move but I also didn’t really feel like I was in a position to buy a house. I was already saving $2000 a month for our wedding and to think of having to pay a downpayment was just not possible. Well, we figured it out. Was it stressful? YES…it was awful. I worried I wouldn’t be approved for the mortgage, I worried we wouldn’t have enough money left for our wedding, etc. And to make matters worse, the short sale took SIX MONTHS. So I had to worry for 6 months that if it wasn’t approved, we’d still be forced to move. It worked out but honeslty I can say that I’d never wish that stress on anyone. If you can avoid moving, I would until after the wedding.
Post # 12
Lots of good info and opinions here! Thank you so much!
KateriPetrie: Actually it would be PERFECT if things went the way you say – i.e. taking a couple months for everything to fall into place. We don’t really WANT to move before the wedding (I mean, of course we *want* to, but we know it’s not realistic – our RSVPs are coming here, our wedding is literally 8 blocks away from where we live now – it just wouldn’t make sense), but we want to move as soon as possible AFTER. So I figure getting started now is a good idea!!
amberback: ajillity81: We have looked at a few properties and I really have my heart set on one – it is pretty much my dream home. We are going to look at about 5-6 more on Friday, but I have a feeling none of them will compare (but want to be open-minded)! I really would want to snap it up if it’s the one we decide on.
BoilerBride101015: All the homes we are looking at, including my favourite, are new construction, so I am hoping there won’t be any issues with passing inspection (of course we will have one done anyways!), and definitely no issues with bank sale/foreclosure/etc. And we are DEFINITELY hiring movers!!! No doubt about that!! The realtor we’ve worked with is a seller’s realtor, however my future sister-in-law is a realtor, so we’ve been bouncing everything he says off of her to make sure it’s free of BS! So far he’s been non-pushy and very respectful of our budget, so, so far so good! We will definitely have our own inspection done and etc, too.
bbbria: Thanks for the reassurance!! 🙂
Post # 13
MouthOfTheSouth: Thanks for the info! Short sales and foreclosures are not something we are considering right now…we are looking only at move-in-ready new construction homes, so I’m hoping we can avoid some of that stress! I’m sorry it was such a stressful process for you!!
We have a really good savings socked away and have already budgeted for the whole wedding, down payment, moving expenses, closing costs, etc, and we’re good! So the financials shouldn’t be too much of a strain either. Just the timing could be better! I guess there’s no such thing as “the perfect time” like everyone says!! 😉
Post # 14
As far as break in and thefts go, I would maybe put my important expensive possessions somewhere else. Can you store your jewelry at your moms until you move? or do you have a lock box at a bank? Do you have insurance on your big tv or computer? Can you install extra locks?
I would look into taking measures to feel safer and protect yourself while focusing on the wedding. Then after your honeymoon find and move into a house.
Post # 15
We started house hunting in late January and our wedding was April 25th. We found a house we loved and started the process in early February and moved in March 15th. It was 45 days from start to finish. The process was stressful as the septic needed to be replaced and the previous owner took his sweet time getting it done and we didn’t have the title 5 certificate until the day before closing, but it all worked out. If you have the cash flow to be flexible on your move in date, I say go for it now.