(Closed) Has anyone planned a wedding and bought a house at the same time?

posted 8 years ago in Home
Post # 3
Member
1893 posts
Buzzing bee
  • Wedding: April 2011

I’m in the same boat.  We’re getting married in four and a half months and just got approved for a home loan yesterday (meaning, we’re going to start seriously looking next week.)  

A lot of people say it’s crazy but we’ve got 90% of the wedding planned already, so we’re pretty much just sitting on our hands until mid-march anyway. I think a lot of the people that would yell “oh no, you absolutely cannot do that!!” are the same ones that insist they need 1+ years to plan a wedding, monetary issues aside. 

I guess we’ll see!

Post # 4
Member
318 posts
Helper bee
  • Wedding: February 2011

We are as well.  What’s worse is we have to SELL a house while planning!  

That is more work as we had to clean up a lot of little detail areas, replace carpet, paint the house etc.  I have an open house today so I have cleaned pretty much all night and now I have to haul 2 of the 4 cats to my work and then ride around with the dogs for awhile.

Looking at houses to buy was rather fun, and the financing isn’t a lot of work, so I don’t see why it is such a big deal.  

All in all, it makes us very busy, esp since Fiance has been gone hunting for about 2-3 weeks out of the past few months.  But we need a house, so what other option is there?  I am NOT going back to renting as it is silly to pay someone ELSE’S mortgage for them.

Post # 5
Member
403 posts
Helper bee
  • Wedding: June 2010

We planned our wedding and bought a house at the same time.  It’s do-able, just really stressful.  We started looking for a house in February and closed by June.  Only advice I really have for this is make a wish list of what you want in a house and don’t waste time going to see houses that don’t fit (or mostly fit). Don’t go see houses out of your budget assuming the seller will negotiate down.  This will save you time and energy.

Post # 6
Member
149 posts
Blushing bee
  • Wedding: June 2011

We just bought a house this summer and we have been planning our wedding since march.  I can definately atest to the fact that it can be extremely stressful at times.  I don’t think we realized how many “extra” expenses that come with a new house.  We have had random bills popping up everywhere or the last three months and its not little stuff.  Like a thousand here and seven hundred extra here…It is a lot…We are scrimping and saving to make everything work. 

With that said, I would not change a thing.  We wanted more space and a home of our own and we have made it work.  I often find that when you discuss things like this with people, there is a lot of negativity and you need to do what is best for YOU and your SO, not whats best for everyone else.  Just keep your budget strict and make you that you have an extra pocket of cash in case you get those extra surprise bills like we have.  Good luck and enjoy house hunting 🙂

Post # 7
Bee
6473 posts
Bee Keeper
  • Wedding: June 2011 - Sydney, Australia

We’re in the process right now too – it’s definitely a little trickier in terms of your time management skills, but it’s also really fun to have a few things to do – keeps me more sane, especially when I need a break from wedding planning!

Post # 8
Member
2018 posts
Buzzing bee
  • Wedding: December 2010

Well, the fact that so many people have done it and are here to tell the tale is proof that not only is it possible, at the end of it all you’ll have your own house. Yay!  I’m in the opposite boat of selling our house and planning the wedding.  Frankly, I’m about to lose my mind because I’m a home stager by profession and I’m the sort who runs around literally picking lint up off the floor and worrying about what kinds of books are stacked up artfully at my bedside (must banish all the chick lit 🙂 every time I get a call from the Realtor that she wants to set up a showing.  Which has been often.

But I will say that trying to do both has made me definitely more focused and organized.  And you are forced to let the little things slide because you don’t have the luxury of time, especially if you want to get out of your parents’ house 🙂  As a PP said, don’t waste time on houses that you know in your heart and gut will not work for you.  It’s not really an ideal situation, but you can make it work in your favor.  Good luck!

Post # 9
Member
4123 posts
Honey bee
  • Wedding: October 2010

We did it. People say buying a house and planning a wedding are two of the most stressful things you can do. True story:). I wouldnt trade it for anything. We bought and remodeled a foreclosure while planning. We had stressful moments but now, we ate married, settled in our new home, and can relax and just enjoy peace :). I’m so glad we did it before we were married.

Post # 10
Member
14658 posts
Honey Beekeeper
  • Wedding: June 2011

If you’re starting now, and your wedding isnt until next july, I think you have enough time to handle both and keep your sanity, especially if you’ve done a lot of the wedding stuff already.  The house buying fiasco is only really stressful if you feel rushed, and during the negotiations which maybe last a week or two.  We spent every weekend for about 3 months looking for a venue or looking at houses, and sometimes both on the same day if they were near each other!  Its definitely doable, and will be such a relief after you have the house.  But just realize that its not all over once you have the house, its just starting… the house is a lot of work!!  We got a great condition newish house, but for some reason, theres always something that has to be done!

Post # 11
Member
2083 posts
Buzzing bee
  • Wedding: May 2010

I guess everyone’s situation is a bit different. We were able to do it successfully – we closed on our home a month before our wedding. It was definitely stressful – we were worried about finances with the wedding then on top of it decided to buy a house. But it was 100% worth it in the end! After the wedding and honeymoon we got to come back to our first home. It is so much better than renting. I would definitely recommend buying a home + planning the wedding if you 1) have the finances and 2) have the organizational skills.

Post # 12
Member
14 posts
Newbee
  • Wedding: April 2010

We got engaged January of 2009, started looking at houses in May, Closed in August and then got married in April of 2010. I think it worked out fine for us because we had a longish engagement. I remember finally finding the house and putting in an offer and then realizing we hadn’t nailed down out venue yet, so we hopped to it.

I think as long as you have the cash flow for it, it can definitely work out. One thing that almost threw us off track was that I had gotten a new credit card to put wedding stuff on (it had 0 interest for the first year). Watch out for stuff like that because once the bank pulls your credit to give you a loan approval, they don’t like anything to change. It worked out great for us though!

Post # 13
Member
3762 posts
Honey bee
  • Wedding: May 2010

We got engaged in June, bought a house (process took from Aug-Oct including search, purchase, and move), and then got married the following June. 

We were in our house for about 8 months before the wedding but I still think its do-able!

Post # 14
Member
14183 posts
Honey Beekeeper
  • Wedding: June 2009

We did. It wasn’t rocket science Smile. You just have to plan, plan, plan.

Post # 15
Member
186 posts
Blushing bee
  • Wedding: October 2011

I’m doing both right now. We’re getting married next October and we close on our house in a week!!!!!  Strangely enough, the only thing stressing me out is that I have to move right before Christmas and I’m a Christmas person so I love to decorate and I’m a little sad that I won’t get much more than a tree up this year. 

 

We started looking at houses seriously back in April, right before the tax credit ran out and we almost bought when then, but FH got cold feet on it so we backed out and I’m glad we did. The house we’re getting is a) bigger b) has more features that we liked c) in the community we want and d) feels like home. Yes it’s going to cost us more, but FH sister will be living in the detached in-law apartment and paying rent to help defray the mortgage cost. 

 

Words of advice: definitely figure out what’s most important to you in the house, whether its a nice garage, basement, a second bathroom and then figure out where you have wiggle room – fireplaces, room size, etc. The house we are buying has almost everything on our wish list, except that the bedrooms are small and funky shaped. Also, figure out what you can afford to pay on a mortgage, but also factor in utilities, especially if you’re not paying them yourself currently.

Try to pay down your debt to improve your credit score so that you can get the lowest rate possible. (in between April and now, I paid off my car and paid down a bit on my credit cards) Don’t be afraid to research different types of mortgage programs. Here in Massachusetts, if you buy in a more rural town, you can get a specialized loan for like 103% with no PMI needed. We don’t qualify, but in our initial search, we limited ourselves to such towns and didn’t really find what we were looking for. 

 

Also, when it’s time to move, label your “wedding boxes” on every side so you know exactly what’s in them, and move them yourself if need be. 

 

Oh, and, if you’re hesitant, even a tiny bit, don’t. I know how alluring the idea of your own home and own space can be after living in apartments or with family can be. BUT, it may be far, far better to move into a cheap tiny apartment and save the difference between your rent and anticipate mortgage cost so when you are ready, you have the funds. Best of luck to you! 

 

You can absolutely do this if you want to. You don’t necessarily need to be pre-approved to look as you may not become pre-approved without a property in mind. 

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