Post # 1
i really need some good advice. me and my fi plan to move in together the beginning of the new year 2013 but i think it would be smart to buy a homefirst and move the wedding a year.
he has 2 boys and i have one.
we tried to get a home loan and it dident go thro caz we both have fair credit his a lil worst then mine. i was thinking we should move the wedding to 2015 we planned for 2014 but i think we should have a home before we get married and i really dont want to rent.
i think becoming home owners should come first.
what to you ladies think?
he hates the thought of moving the wedding but i think we should fix our credit first and then worry about the wedding.
Post # 3
Hmmm without enough details…I think you should work on your credit and have a small wedding then buy a house and you will have a home for your boys to grow up in
Post # 4
Plan for your life. Get married within your means now and buy a house now.
Post # 5
Fix your credit – whether that means wedding in 2014 or 2015, or whether or not that’s a house now or later. Renting isn’t the end of the world. Bad credit scores will haunt you, though!
Post # 6
i have two girls and us buying a new home for a new start was very important to me. way more important than a wedding for us. a wedding is one day of memories, a home is like a lifetime!
Post # 7
id suggest u guys have a very small intimate wedding now, rent while u fix your credit and then buy a home.
Post # 8
I say wedding and then home. We’re planning on putting any money we get from the wedding toward a house.
Post # 9
You can get married and still work on fixing your credit. You really should focus on upping those scores as much as possible before you consider buying a house. Rent for as long as you need to.
Post # 10
@troublesmom: See, to me, a wedding is the beginning of a life together. I’d rather start our life together now than own a home now. You can always have a small wedding.
OP, if you’re already gonna live together and aren’t that concerned with being married now vs. 3 years from now, I don’t guess it matters. Buy the house if you’re more comfortable with that.
Post # 11
Will paying for the wedding put you in debt/further damage your credit scores? Your credit scores should be your #1 priority. Right now is a great time to buy- interest rates are low, as are prices. If you can have the wedding without hurting your scores, have it before you buy. Finding and buying your dream house could take 2 months… or 20 months.
Post # 12
Do you need to be married for another reason other than just the status change? Health benefits, etc? I would put off the wedding, if having a big one is important, because you will still be in a relationship despite the label on it. Buying the house might be a better priority with the kids and all…
You can always just do a JOP marriage.. a house is always going to be a large chunk of change (larger if you keep waiting).
Post # 13
I’d work on the credit so you can get a quality home in an area with good schools for the kids. Have a small, intimate wedding now.
Post # 14
Honestly, I think marriage first. Work on your credit, renting is not a waste of money. It gives yourself a place to live while you are saving up and building your credit to get the best home possible at the best price.
Post # 15
Fiance and I are in contract for our first home right now. Our wedding is in June of 2013. We sat done one night, discussed budget, location, timing, and what we need.
I am also graduating next year, will be looking for a job, and our son will be 1 this year, so next year is going to be very stressful for us.
We decided that if we didn’t buy now, we would wait until 2014 and would continue to rent for now. You need to be okay with renting as a possible option for a little bit longer. Things happen for a reason, and if it’s meant to be that you will buy, it will be.
My mom is in the mortgage business, and I’ve heard horror stories about how much a bad credit score can ruin everything that you try to do later on in life.
Good luck though! 🙂