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How to get a home developer to make a small change to the plans?

I've purchased a new home from a developer. I want to make a small change to an interior item. They are telling me a cannot. How do I get what I want? [more inside]
posted by quadog on Jun 26, 2014 - 14 answers

Regret and home renovations: is it worth it?

I am considering two properties for purchase. One of them is straightforward and the other is complicated (multiple parcels, over 20 acres of land, has tenants living in the cottage, needs to be significantly renovated). I am looking for those with experience to offer advice on whether purchasing a property with major issues like this is worth it. [more inside]
posted by treehorn+bunny on Jun 12, 2014 - 40 answers

Home-buying filter: How do we determine a fair share of equity?

How do you split equity in a new home between friends when one is contributing cash and the other grants? [more inside]
posted by Dalton on Mar 30, 2014 - 11 answers

Problems discovered after due diligence but before closing. What now?

First-time home buyer here. We're about two weeks past having had a home inspection and our due diligence period. In moving furniture in the basement, the seller has discovered a water leak, effervescence and mold. See pictures below: [more inside]
posted by rbf1138 on Mar 29, 2014 - 36 answers

Aluminum wiring! Asbestos! Termites! Are they a big deal? What to do?

First-time homebuyers under contract for a 60-year-old house-- how serious/expensive are these problems: aluminum wiring, friable asbestos insulation, termites, undisclosed window leak causing water damage? Along with original plumbing and an old HVAC, is this a pretty standard situation that falls under the umbrella of "all houses are going to have some problems, no house is perfect" and is this the kind of stuff they mean when they say you'll be spending 1%-ish of your home value on this kind of stuff every year? Or are these costs and issues on the high side, and this is probably on top of another 1%-ish every year on other repairs and maintenance? Help us put this in perspective! (We need to decide whether to give the sellers' relocation company the right to cancel our contract by requesting repairs. And we need to figure out what we should fix and how much it'll cost if we go ahead and buy the house without repairs.) [more inside]
posted by EmilyClimbs on Mar 20, 2014 - 30 answers

Buying a new (old) house. It has a fuse box. Questions inside.

I'm in the due diligence period of buying a house built in 1964. It's in Atlanta. The inspection yesterday went well, but the house has a fuse box and a breaker panel (the breaker handles AC and washer/dryer only). I know absolutely nothing about electric/wiring issues or systems. [more inside]
posted by arm426 on Mar 6, 2014 - 32 answers

How do I help someone Overseas build credit in the US?

How do I build someone's credit while they are overseas and not a US citizen? I am getting married to someone who is Japanese (in about 5 months) and lives in Japan right now. Because I know we will one day want to buy a house, I want to start building her credit as soon as possible because I know that it is easier to get a loan with two people signing instead of one. [more inside]
posted by locussst on Mar 4, 2014 - 10 answers

Do tall foundation walls need bracing?

I'm in the process of purchasing a house. In one of the many questionnaires, the seller responded "No" to the question "Are the exterior tall foundation walls braced?". Can you help me understand what this implies? and How concerned should I be? The house was built in the late 70s, in Northern California, where earthquakes are a thing.
posted by vega on Mar 4, 2014 - 6 answers

All our eggs in one basket? First time home buyers...

My wife and I have been working and saving over the last 4-5 years. We've managed to pay off all of our debts and have gotten ahead. It feels great to be debt free, but we want to buy a house. We found a bank foreclosure that's been sitting vacant for 6 years as it slowly worked through the courts. We have just enough to buy it outright, but that will leave us almost broke. Should we buy it? [more inside]
posted by karst on Feb 21, 2014 - 28 answers

What's more important? Parental presence or top schooling?

Okay, this may well be a false choice but I'm trying to sort this out in my mind -- I see two roads ahead of us, one in which we stay where we are currently living -- an underwater house in good shape in a middling-to-poor neighborhood (but with adjacent nicer amenities) -- which is affordable and where we are making enough money to save for all the things we need to save for (retirement, college, cash savings, etc.). OR, we can buy our way into a nicer neighborhood and school district, keeping this house as a rental. Right now my husband and I are both working at well-paying jobs and our 3-year-old is in full-time daycare. My goal, when she starts kindergarten in 3 years, is to work 3/4 or less time, so that I am home with her after school and do to this for the rest of her school years. [more inside]
posted by amanda on Feb 15, 2014 - 32 answers

Costs of pricey home repairs/replacements? (& IDing them before buying)

We're first time homebuyers, and getting a little overwhelmed thinking about all the things we might have to fix and/or replace in whatever house we buy, and how that should affect what we're willing to pay for a home. What are the most expensive (and/or frustrating to fix) things we should be keeping an eye out for and factoring into deciding whether to make an offer on a house and the offer price (i.e. adjusting up/down compared to comparable homes)? [more inside]
posted by EmilyClimbs on Jan 21, 2014 - 13 answers

Help clueless future parents buy the right home to raise kids in!

As future parents and first time homebuyers, what aren't we thinking about, or under-emphasizing/over-emphasizing, in trying to pick a home to raise (two) kids in?  What should we consider in deciding on house versus condo, location, neighborhood, size, layout, features, etc? [more inside]
posted by EmilyClimbs on Jan 10, 2014 - 36 answers

Buying a house in 2014. Maybe?

The only solution I can see that will allow me to live with all my pets (current and future) is to finally purchase my own home. However, I'm not entirely convinced this won't be a colossal mistake! On the other hand, if I'm not ready now I probably never will be, nor will I be able to achieve my "pet goals". Am I ready to be a homeowner? Is this really a good idea for me? Are there any other options? Obviously, there are some snowflakes. [more inside]
posted by cgg on Dec 30, 2013 - 24 answers

Who owns/services your mortgage and what're they like? Does it matter?

We're shopping for a mortgage (in the DC area), and are feeling anxious and frustrated that 1) it's so hard to know who we'll end up with because so many lenders/originators are likely to sell our loan and/or servicing after closing, and 2) it's easy to find complaints about most servicers out there and hard to find anyone that's satisfied.  What has your experience been like with the place(s) that own and/or service your mortgage?  Or should we put all that to the side and just try to find someone with the best rates/fees and the best reviews/recommendations regarding smooth and quick closing? [more inside]
posted by EmilyClimbs on Dec 20, 2013 - 21 answers

Home buying tools, maps, data crunching etc.

Glorious SO and I plan to buy a home in the next 18-30 months. I'd like to line up all the best tools, maps, and data to keep track of homes we've seen, neighborhoods and towns we'd consider, flood maps, commute times, train lines--really anything and everything that could inform this decision. Yes, yes, friends, colleagues and a good agent are great resources--but we want tools at this point! [more inside]
posted by Admiral Haddock on Dec 16, 2013 - 3 answers

Renting my condo

I have owned a condo apartment for five years. I do not have a mortgage. My parents gave me the money to pay for it cash, and I pay them back at a rate $800 a month, no interest. The condo was not a gift as I'm fully expected to repay my parents. I suppose the "gift" was a loan with no interest. I want to move out and rent my place out. More details inside. [more inside]
posted by ohmy on Dec 5, 2013 - 18 answers

Homebuying and Homeselling fiasco...snowflake details inside.

Can you offer some advice on how my wife and I might recover some funds spent to satisfy a lender's requirement prior to denying the loan of the buyer, or how we might be able to continue with the purchase of a new home we're in contract for? [more inside]
posted by drewski on Dec 2, 2013 - 7 answers

Learning long distance

Tips and tidbits about learning more about the neighbors before purchasing a home? [more inside]
posted by MayNicholas on Dec 1, 2013 - 16 answers

Keep me from buying a 'homebuying for dummies' book.

My wife and I are trying to wrap our heads around the process of purchasing a home. We know a little bit, but we also know there are gaps in that knowledge. We're looking for information on how to go about the process, and what specifically we should be doing to assess the prudence of home-buying [more inside]
posted by furnace.heart on Nov 29, 2013 - 25 answers

What is it like to own an old-ish farm property with a pond and stable?

I'm currently on the market for a house, and have made a critical error in my house hunting quest - I've fallen in love with a house - which is a 1970s era home with stables, a horse paddock, and a pond. I have thus lost the ability to be objective in my assessment of said house, and so I turn to you, AskMe…. [more inside]
posted by treehorn+bunny on Nov 16, 2013 - 51 answers

School us on the Twin Cities School Systems

We just moved to the Twin Cities (Keewaydin in south Minneapolis to be exact) and are starting to explore potential neighborhoods for our first home purchase next fall. We're interesting in your experiences with either having your children schooled in Minneapolis or St. Paul proper or being schooled yourself in either of the Twin Cities school systems. [more inside]
posted by playertobenamedlater on Nov 13, 2013 - 17 answers

Should I buy this house, or not?

I'm looking at buying a house on the bayou, but am unsure whether the flood and flood insurance issues mean I should offer less, or just run. [more inside]
posted by atchafalaya on Oct 8, 2013 - 12 answers

The bank knows I've got the money

We're trying to buy a house (first timers). The seller has asked for detailed proof of funds. More detail than I'd normally like to give a private party before they accept the offer. This isn't a cash deal. Does that seem odd? [more inside]
posted by hwyengr on Sep 13, 2013 - 28 answers

What happens when you fire your realtor while under contract?

Our buyer's agent isn't working out. We are under contract, currently in the home-inspection-contingency phase. What happens if we fire him and get another agent? How do the agents involved divide the commission? Will another agent be willing to represent us for what is presumably a reduced commission? [more inside]
posted by anonymous on Aug 13, 2013 - 17 answers

Home Sweet Home?

I have never gone through the home buying process before, and neither has my charming lady. She lives and works in SFO, and wants to buy a house here in PDX (moving here immediately after, or close enough). [more inside]
posted by drfu on Jul 22, 2013 - 13 answers

What should I do given all these variables (home mortgage edition)

I'm getting married! And buying a house with my fiance! And I'm so, so confused about the best plan (longish question, totally special snowflake focus). [more inside]
posted by Lizlemondrop on Jun 21, 2013 - 10 answers

Should I buy a house or pay off my student loans?

Am I crazy for thinking about buying a house on a teacher's salary with 30k of student loan debt? [more inside]
posted by kro on May 3, 2013 - 36 answers

What's up with the Zillow home value forecast for Austin?

Zillow predicts just a 0.1% rise in home values over the next year in Austin, and actually predicts depreciation in several areas near the center of the city. What's going on? [more inside]
posted by Mila on Apr 26, 2013 - 8 answers

Tips on home-buying in a sellers market?

We're house hunting and have had no luck with our offers. What can we do to maximize our chances of a seller accepting our offer? [more inside]
posted by ramix on Apr 1, 2013 - 31 answers

This is one big honking purchase...

We're house hunting. We think we've found a good match. But I need a sanity check. Help! [more inside]
posted by Tehhund on Mar 22, 2013 - 49 answers

Please help me go from "under contract" to mortage-holder

I am trying to purchase a foreclosed house with a homepath loan, but I do not qualify for a homepath loan despite excellent credit. Apparently a conventional loan will not work for the current condition of the home. Can you help me sort out my options in Virginia? [more inside]
posted by shortyJBot on Mar 3, 2013 - 7 answers

Looking for a Mpls Mortgage Broker

Looking for a local Minneapolis Mortgage Broker. Anyone have someone they would specifically recommend? [more inside]
posted by zombieApoc on Feb 21, 2013 - 3 answers

How is PMI on a loan calculated?

How is PMI on a loan calculated? [more inside]
posted by skrozidile on Feb 14, 2013 - 3 answers

winter is coming

Our offer was accepted, so it looks like we're buying a house. Our three-to-four-hour home inspection is tomorrow -- what do we we need to know going in and what do we need to be prepared to ask? I've read through the previous threads, but I was hoping to get some advice specific to the frozen north (Shorewood, WI, outside Milwaukee). [more inside]
posted by gerryblog on Jan 21, 2013 - 27 answers

find me someone who will tell me not to buy the house

Looking for recommendations for an aggressive, adversarial home inspector in the Milwaukee, WI area (specifically Shorewood). [more inside]
posted by gerryblog on Dec 18, 2012 - 3 answers

Help us decide if our budget allows us to purchase a multi family home!

[BudgetFilter] We're about to purchase a 3-unit multi family home in a desirable downtown area near a large park designed by Frederick Law Olmsted. The rental market in our city is very strong and continues to get stronger. Does this potential budget make sense and put us in a good financial position for the future? Details and actual budget numbers within. [more inside]
posted by elisenavidad on Aug 15, 2012 - 11 answers

What should I be thinking about when I look for a house/cabin in the country??

What should I be thinking about as I search for the perfect house/cabin? City Mouse considers becoming Country Mouse. [more inside]
posted by Elly Vortex on Jun 7, 2012 - 16 answers

Home buying jitters or common sense?

What are the structural components of a solid house, that a layperson could determine? [more inside]
posted by A Terrible Llama on May 7, 2012 - 16 answers

Do they make real estate agents who AREN'T jerks?

I'm looking for a real estate agent in Westchester/Putnam county NY who would be truly helpful to someone shopping in the bottom of the housing market. [more inside]
posted by badgermushroomSNAKE on Apr 18, 2012 - 7 answers

Buying a furnished home

How do you negotiate buying furniture in a house - particularly generally unused furniture used in a model home? [more inside]
posted by raztaj on Apr 17, 2012 - 5 answers

Should we buy this house?

I'd like to hear from people who have considered buying splendid houses but have felt really weird about it. [more inside]
posted by A Terrible Llama on Apr 7, 2012 - 28 answers

Bad neighborhood, 4-year-old son, 50 mile commute, Old 401K. Any way to buy?

I currently live in a shady neighborhood on the South Side of Chicago. I call the police at least once a week. I also have a 50 mile commute through the city. We want to move closer to my work sooner rather than later. After almost 2 years of unemployment that wiped us out financially, we're back on our feet, but savings is in rough shape. I have a 401k from my previous employer with about 30K in it, and I'm wondering if there is any sensible way to use the money in the 401k as a down payment so that we can buy, rather than rent. Making payments won't be a problem, just the down payment. We intend to stay in the new place for many years, and I really, really hate moving, so I'd rather not move this year into a rental, and then do it again in a year or two.
posted by Morydd on Mar 22, 2012 - 9 answers

Buying a home with 5 adults

Buying a home with 4 other adults: advice and resources needed! Buying in the Washington DC/MD area. [more inside]
posted by Kindlekat on Jan 23, 2012 - 9 answers

Old or new home?

Older house vs newer house. My husband and I have been thinking of buying for years, and are now narrowing down our options. Should we go with an older (50s-70s era) home or a newer (2000-2007) home? [more inside]
posted by LyndsayMW on Jan 6, 2012 - 30 answers

Tips for NYC renters becoming (first-time) NYC Buyers?

We're NYC renters becoming NYC first-time buyers. People who have done this, can you share things you wish you'd known/looked for? Tips specific to New York City are especially appreciated. [more inside]
posted by unionsquarepark on Dec 19, 2011 - 13 answers

I don't know, is squatting an option?

My husband and I would like to buy a house that's currently vacant, it was purchased by Fannie Mae in 2009. We don't know what to do next. We're in Oklahoma. Anyone have advice? [more inside]
posted by dearest on Dec 12, 2011 - 5 answers

How can we sell our condo and buy a house?

How can we sell our condo and buy a house? [more inside]
posted by no bueno on Dec 8, 2011 - 15 answers

Can't cope with buying, can't cope with renting

I need help getting a mortgage on a property that needs minor repairs. [more inside]
posted by Violet Hour on Nov 22, 2011 - 6 answers

Recommend a great Atlanta real estate agent.

Recommend a great realtor in Atlanta. Difficulty: I want an old, cheap house. [more inside]
posted by Violet Hour on Sep 9, 2011 - 3 answers

Two Great Tastes That Go Great Together?

Asking for a friend: Buying a house and going to grad school...can it be done? There are various circumstances in my life which make this a very advantageous time for me to purchase a house, however, I am also planning to quit my job and go to grad school in the spring. The mortage payments will be less than I would pay in rent, and between help from family and financial assistance I will be able to afford all my expenses, but am concerned that if I apply for financial aid before finishing the mortgage paperwork, it will cause issues with the lender. Is this the case? If I don't purchase the house now, due to other circumtances it could easily be 6-8 years before I have this opportunity again, if ever. Any advice appreciated!
posted by odayoday on Sep 2, 2011 - 7 answers

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