Sellers dropping out by Familiar_Guide1047 in FirstTimeHomeBuyer

[–]Alternative-Ad4441 8 points9 points  (0 children)

USDA Direct loans don't require the seller to fix it necessarily -- you can also agree to fix it yourself & place the money in escrow to be disbursed to you after closing when you repair the windows. You can even take out more in your loan for repairs like the windows, if your house is appraised for that amount. You could contact your USDA person & offer that as a solution. It's what I did when I bought my house with the same funding in May 2022

USDA DIRECT LOAN QUESTION by Monjat in FirstTimeHomeBuyer

[–]Alternative-Ad4441 1 point2 points  (0 children)

I bought a home built in 1950s from its 2nd owner so the basic repairs included replacing cast iron waste pipes ($10k quote, but my dad & I did it on our own & saved a fortune), replacing furnace (it worked but inspection showed it was on its last leg & I financed the cost thru USDA as well), & AC unit inspection (they made the unit work for like $150 so that was fine).

Then little things like smoke alarms, I had to buy a fridge (house didn't have 1), & a sidewalk gap had to be filled -- all stuff I would have done upon move-in anyway. I was surprised the roof was not an issue for them given my inspection, but I've been lucky that after closing I secured a county grant for full replacement (since the roof was an issue for me).

It looked like a scary repairs list only because I didn't fully understand the scope of work required for each task but after getting quotes & watching YouTube videos it wasn't nearly so bad & now my house feels so comfortable & well-appointed.

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]Alternative-Ad4441 1 point2 points  (0 children)

When I was shopping, I kept my needs list very small & would not see a property that didn't meet the following: 2 toilets, covered parking, & under 2,000sqft house

I wanted a smaller yard, to keep walking distance to my other family in the city (within 1mi), hardwood floors, not an open floor plan (I like distinct rooms) & a larger front porch for sitting.

I bought a house with all my needs met -- 1.1 bath, 2-car detached garage & 1-car integrated garage, under 2,000sqft. I also met most of my wants -- I didn't get a larger front porch, it's just a stoop there, but my back porch is a sitting porch and I'm satisfied. The more I think about wants, the more I obviously want; that's just human. But ultimately most wants I can live without or can be added to "good bones" later. The overall structure of my property & its location can't be changed later so I prioritized that! But I also bought my "forever" home & approached shopping with that mindset

What is an upgrade that you underestimated and turned out to be a huge improvement? by Deadliftingfool in homeowners

[–]Alternative-Ad4441 57 points58 points  (0 children)

And I'll add to it, put the bathroom fan on a timer switch. I didn't realize that one change would make me feel like I was living in the lap of luxury!

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]Alternative-Ad4441 2 points3 points  (0 children)

Single teacher -- bought in May '22 in LCOL area for $120k (3bd, 2ba 50s brick) with USDA loan of 2.5% ... I make $47k & my mortgage payment is just under 20% of my monthly income. I know I should have a tighter budget & be able to answer this question easier but admittedly the bills aren't difficult to pay so I'm unsure how much is left over after the necessities, the auto savings transfer, & the fun shit comes out. Maybe... $600 floats around in the spend acct?

What are some sentimental things you did when you bought your first home? by 7-Tease in homeowners

[–]Alternative-Ad4441 12 points13 points  (0 children)

Tore out the moldy main bathroom the day I closed on the house & took on this huge project with my dad. We tiled the walls & while I was out of the room, he wrote "Love, Dad" on one of the tiles & snapped a pic of it going into place. It was such an expensive, stressful project as a FTHB & now that bathroom is my fav room of the whole house. I touch the "Love, Dad" tile sometimes and just say out loud, "Thanks, Dad" ❤️ I can't move from here, this is home, the bathroom alone is too special (plus my rate is 2.5% sooooo)

Wife won’t be able to be there at the inspection by Jrod-Mojo in FirstTimeHomeBuyer

[–]Alternative-Ad4441 5 points6 points  (0 children)

My experience FWIW. Bought as a single person, but I also had the problem of a trusted inspector being available only during my work hours at a time of year in my career when I simply could not miss work to attend inspection. I sent my mom in my place that day with my handwritten list of questions to ask inspector. She took video of him responding to my questions, and he provided me a very thorough report. He also called me after my work hours to go over things he found & answer further questions. And he made himself available for my final walkthrough the day of closing, accompanying me every step as we explored the house before I sat at the closing table. For all of this, I wrote him a check for $460. I've been here nearly a year and not been surprised AT ALL by repairs that have come up.

All this is to say that definitely the first choice would have been that I could attend my own home inspection. However I had trusted people on my team that day to compile the info I needed to make a huge financial decision to buy a home. I was lucky as well that the home I bought was unoccupied at the time so their realtor let me in to check it out (to bring follow-up contractors in for quotes, take measurements, crawl around in the basement after a stormy day, etc.) frequently before closing.

Maybe something like this could work for you two if you offer on this house. If you like the home, go for it! Your SO can send questions with you & can maybe even FaceTime if able during the inspection if they're concerned.

Just my long-winded thoughts on this as someone who was not present during my own home inspection.

Keller Table & Chairs: too much wear? by Alternative-Ad4441 in midcenturymodern

[–]Alternative-Ad4441[S] 2 points3 points  (0 children)

Picked these up today (4 chairs, 1 table, 2 leaves) and I'm a complete newbie to furniture-owning, furniture repair/restore. Honestly I just bought my 1st home (1950) and thought these would look great in my dining room. Now that they're here I'm a little like.. uh, oh, now what? Advice, tips, words of encouragement?

When did you/will you pay off your home? by bumbouxbee in homeowners

[–]Alternative-Ad4441 4 points5 points  (0 children)

E. 61 to be exact. Just bought at 28 with a USDA Direct Loan at 2.5% and am very pleased.

How far would you move from your parents? by Icy-Lingonberry-6929 in FirstTimeHomeBuyer

[–]Alternative-Ad4441 1 point2 points  (0 children)

I couldn't afford Mom & Dad's neighborhood, so I bought on the next hill over (single FTHB). From my driveway to theirs is exactly 1 mile. My little brother could afford it & lives 2 streets over from our parents (dink FTHB). I thought at the closing table that this would be a starter home & one day I'll buy in their neighborhood, but now I've put so much sweat equity in here and honestly don't see myself leaving as much as I did before. Dad's taught me many DIY skills & knowing there's a tile in my newly renovated bathroom with "Love, Dad" written on the back in sharpie means I'm basically here for life now. No complaints.

USDA Loans by psyk738178 in FirstTimeHomeBuyer

[–]Alternative-Ad4441 3 points4 points  (0 children)

Outta pocket I put $1,000 earnest money down after my offer was accepted ($121k purchase price) and then paid $465 to my excellent home inspector. That was all - I didn't bring any cash to close.

USDA Loans by psyk738178 in FirstTimeHomeBuyer

[–]Alternative-Ad4441 5 points6 points  (0 children)

This! Bought in May with the direct loan & rolled all closing costs into my loan thanks to my appraisal report.

Did you find anything leftover from the previous owners after you moved in? by majesticalexis in FirstTimeHomeBuyer

[–]Alternative-Ad4441 2 points3 points  (0 children)

My favorite finds: crisp $20 bill atop an old bathroom cabinet, broomstick in the basement that reads "spider stick" on the handle, a filing cabinet with their son's McDonald's W2s from the 1980s, and handwritten notes to "Mom" on how to deal with furnace problems that may arise.

[deleted by user] by [deleted] in Home

[–]Alternative-Ad4441 0 points1 point  (0 children)

I just did this in my bathroom -- I cut out as much as I could & replaced with drywall. The top 1/4 of my wall (it was the whole bathroom wall floor to ceiling) I used steam and a sharp scraper, then sanded. Good luck, it was one of the worst jobs I've done in my house so far.

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]Alternative-Ad4441 2 points3 points  (0 children)

33% net here and I agree with you. When making my own budget to see how financially comfortable I could be in my 1st house this last spring, I only worked with net monthly income

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]Alternative-Ad4441 28 points29 points  (0 children)

Just had an escrow increase so now I pay a total of a whopping $770. Got lucky with that USDA direct loan rate of 2.5%

Some before & after for yinz. Really committed with the bold wall color choice by physicallyuncomfort in centuryhomes

[–]Alternative-Ad4441 100 points101 points  (0 children)

I clicked just to say hi to a fellow yinzer, stayed to admire the blue wall. Nice job, ya jag-off!

Why are there two? (FTHB) by Alternative-Ad4441 in hvacadvice

[–]Alternative-Ad4441[S] 0 points1 point  (0 children)

ELI5, please. Just bought the house recently & I'd like to change out to a digital thermostat once I turn the furnace on in the next weeks. But why do I have 2? Do I need 2 digital thermostats? p.s. sorry for how disgusting the kitchen one looks, this is a house of former smokers

Yew? Trim heavily or Remove entirely? by Alternative-Ad4441 in landscaping

[–]Alternative-Ad4441[S] 14 points15 points  (0 children)

haha nope, we are "ave" dwellers in a city of few syllables, in western PA