(Closed) Buying our first home!

posted 6 years ago in Home
Post # 3
Member
1642 posts
Bumble bee
  • Wedding: October 2012

@sharmon13:  THIS GIRL. Getting married in November, bought the house in April. It takes a lot of patience and a crazy ability to multitask, but you will feel so accomplished when it’s over! 🙂

Good luck! 

Post # 4
Member
5494 posts
Bee Keeper
  • Wedding: August 2011

so exciting.  We bought our first home 4 months after getting married. it’s definitely been a whirlwind of a year.  a very expensive but exciting year.

Post # 5
Member
14661 posts
Honey Beekeeper
  • Wedding: June 2011

We didnt do it in the same calendar year, but we did buy the house and get married within a year.  (It would have been get engaged, buy  house and get married within a year if the venue had availability 2 months earlier).  It wasnt as stressful to us as many people make it out to be.  As long as you are organized and have all your finances set (big down payment, but leaving a fair amount of cushion for those first time home purchases), it should be smooth sailing.  Best of luck to you!

Post # 6
Member
2815 posts
Sugar bee
  • Wedding: March 2012

We got married, found out we were pregnant and are buying a house all within 3 months!  It’s been pretty chaotic.  We found out yesterday that our loan was approved with the bank and now is at the USDA for underwriting with them.  Hopefully they won’t take too long!  (If you’re in a rural area, definitely check on USDA loans)

Post # 7
Member
801 posts
Busy bee
  • Wedding: December 2012

Yup, we just purchased the house (getting the appraisal on Friday – tomorrow!!!!) And we are getting married in December!!! 

We did get pre-approved before seeing our home, but the market in our part of the country seems to be picking up.. 

If I have one advise, it’s document any money “movement” occurring in your/FI’s account.. By this I mean if you cash out stocks, you’ll have to document it. If you get a monetary gift, you’ll have to document it. Do NOT deposit/use undocumented money… 

They are extremely strict these days during the loan process. Just follow the rules, and you’ll be ok 🙂

Good luck!

last advice: Don’t be afraid of being drastic—-> Final Offer is what got us an amazing deal.

Post # 8
Member
3451 posts
Sugar bee
  • Wedding: September 2012

How exciting!  Congrats!

Post # 9
Member
369 posts
Helper bee
  • Wedding: September 2012

We got the house then got engaged a year later, but congrats! and good luck!  keep us updated!!

Post # 10
Member
7311 posts
Busy Beekeeper
  • Wedding: October 2011 - Bed & Breakfast

Just a note: You need to be pre-approved, not pre-qualified. Pre-qualified means nothing when making an offer.

Post # 11
Member
92 posts
Worker bee
  • Wedding: August 2012

We  did!

Possession is at the end of the month, and we are getting married August 3rd.

We decided to go for a single family “future ready” home so that we can grow into it..

Enjoy the house hunting process.. It’s crazy, overwhelming, and exciting all at the same time. LOL

Agree with love kiss: pre approval is necessary. Then after making the offer, all necessary supporting documents have to submitted to get a full approval.

Good luck and best wishes with you!

Post # 12
Member
1611 posts
Bumble bee
  • Wedding: June 2012

@sharmon13:  We just got apporved for a loan, and put a contract down today, and I am getting married in 9 days!  It has been a stressful and expensive couple of months!  I think it will be totally worth it though when we have our first house together!

Post # 13
Member
2105 posts
Buzzing bee
  • Wedding: September 2012

Closed May 25th, wedding September 8th… so less than 4 months apart.  The bad thing is that I am so much more interested in unpacking, settling, buying furniture, and decorating than doing wedding crap haha

Post # 15
Member
1415 posts
Bumble bee
  • Wedding: November 2011

Fiance and I just got pre-approved… but not sure whether to go through with making an offer. We’ve found a house we really like, but we are a bit cash-poor at the moment with paying for the wedding stuff, and I’ve been making massive payments on my student loans for awhile now. Not sure if it makes more sense to save up for a massive down payment instead… and wait 6 months or so til we’re actually married before pulling the trigger on a house. 

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