(Closed) *really* bummed about this house-buying thing :(

posted 7 years ago in Emotional
Post # 3
Member
4824 posts
Honey bee

Homebuying is usually not as much fun as we think it is. 

Many people take a LONG time to find the right home. Many months if not a year or longer so really you are doing great.

You do not want to rush into a decision that isnt pefect for you.

As you said this was above your price range, so maybe its a good thing you dont get it? Especially if you want a dog. They can cost money and if you are paying more per month for a house, insurance and taxes, the dog costs can put it over the top for you in terms of living comfortable and saving for vacations, nights out and most importantly, retirement. 

So dog aside (because really, that is not a reason to buy a house), is this house what you want? Does it really fit in your monthly budget and can you afford to save for surprise fixes at its current monthly mortgage (IE broken water heater, leaks, etc). Is it the location you want? Does it have the right layout? school systems?

And truley, are you sure you are paying what it is worth? not just what they are asking so you can get it quickly? you do not want to over pay!

Post # 5
Member
6123 posts
Bee Keeper
  • Wedding: August 2012

I hope you consider adopting a Rottie!  With 4 million pets being put to sleep in the USA alone (that’s a cat or dog every 8 SECONDS), there are sooo many Rotties that need a home. 

I did a quick search for rescued rotties in the NE and there are TONS of rescue groups!  And if you find one in another state, there’s such a thing as home visit/interviewing and pet transport.  It is estimated that 1 in 4 shelter dogs are said to be a purebred!   Save a life.

CONNECTICUT:
North East Rottweiler Rescue & Referral, Inc.
866-392-0102
email: [email protected]

Cathy’s Rottie Rescue & Rehab
PO Box 295
North Stonington CT 06359
email: Cathy Leinert
http://members.petfinder.com/~CT206/index.html

Rescued Rottweilers United with Friends & Family, Inc. – RRUFF
978-429-4059

NEW YORK:
MCM Rottweiler Rescue

http://www.petfinder.com/shelters/NY70.html
email: [email protected]
**Coverage area limited to Long Island and the 5 Burroughs of NYC. Further foster care is limited. No aggressive or long term dogs.

Mountain Rottweiler Rescue of NY
P.O. Box 109
Monticello, NY 12701
email: Catskill Mountains – Krissy
email: Capital District – Kelley

http://www.petfinder.com/shelters/mrr.html

Hudson Valley Rottweiler Rescue
Cuddebackville, NY
845-672-3647
email: [email protected]

http://www.petfinder.com/shelters/NY975.html

Rottie Empire Rescue
Saratoga Springs, NY
email: [email protected]

www.rottieempirerescue.com/

NEW JERSEY:
Majesty Rottweiler Rescue
P.O. Box 493
Darlington, Md 21034-0493
206-350-ROTT
Email: [email protected]
**Covers southern portions of New Jersey

Pet Paws For Love
http://www.petpawsforlove.com/
email: [email protected]

NEW HAMPSHIRE:
For the Love of Dog – Rottweiler Rescue of New Husband
PO Box 753
Hillsboro New Husband 03244
978-302-8171
email: [email protected]
http://www.4theloveofdog.org/index.html

http://www.4theloveofdog.org/Parade/rescue.html

Post # 7
Member
29 posts
Newbee

@sugarcube:  Hang in there. When my Fiance and I first started our house search it was very stressful. We found a home and everything was worked out and it fell through last minute. I was devasted. I thought I would never find anything I liked, but with some time we a found a great house in our price range and moved in in Dec. I know it is stressful now, but things will work out and I truly believe that with home buying, everything happens for a reason. Good luck with everything πŸ™‚

Post # 8
Member
10366 posts
Sugar Beekeeper
  • Wedding: September 2010

If this house requires you to put your back to the wall financially, then it is not the house for you. The entire housing crisis we are in came about because people stretched themselves too thin….don’t be the next round of that happening!

Keep looking…the house will come. And when it does, you’ll have had more time to save!

Post # 9
Member
10366 posts
Sugar Beekeeper
  • Wedding: September 2010

@sienna76:  wow, great resources!

Post # 10
Member
6123 posts
Bee Keeper
  • Wedding: August 2012

I agree, if it’s going to strecth you financially it’s not the right one!  When I bought my first house, I was like Rainmain rocking in the corner with all my spreadsheets.  I ran so many different scenarios trying to see what we could live with and without in order to have a house.  In the end, we bought a house that one income could afford which worked to my advantage in the long run. 

 

Whether or not they will lower the price depends kind of on what other home owners in similar situations are doing.  If the market is good, people will pay above the appraisal price, but one would think in this market the appraisal value is the only value to look at.  I sold my house in September, and it came in $5,000 under so I lowered it because no one would buy it for $5,000 more than the bank thought it was worth.

I wasn’t ever in LOVE with anyhouses, some just worked better than others.

 

Post # 12
Member
6123 posts
Bee Keeper
  • Wedding: August 2012

Like how much under are we talking (appraisal vs. offering price)?

Post # 14
Member
6123 posts
Bee Keeper
  • Wedding: August 2012

I personally would want to buy my own house without any help.  Family and money don’t mix, from my experience.

Is your realtor giving you any input?

Is it normal for that area to buy houses over the appraised value at this point in time?

 

 

Post # 16
Member
6123 posts
Bee Keeper
  • Wedding: August 2012

what are your opinions? or is there a max “difference” you would be willing to make up, if the seller doesnt lower their price?

I don’t have a value to give you or even a percentage.  I’d have to run all my own numbers, etc.  The amount of the gap would make a difference though.  Are we talking a $20k gap?

 

You have been only looking one month you said.  That’s pretty short really!

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