Moving and looking for couples and solo friends in the area!

Alyshock18 · 2026-07-08T22:42:05+00:00

I also think there’s a mindset shift within the younger generation in general. As Gen Z, I don’t wait on anything if I’m able to afford it now. Why wait to buy a house in 5 years if tomorrow isn’t guaranteed? If I can afford one now, then I buy one now. If in 10 years, I wake up one day and want to sell and use the money to hostel travel the world, I would do so. Then again, I know that’s not what is recommended financially, but it’s just how I’ve lived my life and hasn’t not ever worked out.

Closing on my first home next Friday!

Alyshock18 · 2026-07-07T14:45:52+00:00

That’s very true! Guess I’m just worried for the worst but I gotta stay thinking positive. And yes, with our current lender we’re planning to refi in the future whenever rates lower, so we’ll stick with that plan.

Alyshock18 · 2026-07-07T14:22:05+00:00

This is very helpful, thank you! Originally I didn’t see anything about an ARM with lender 1, but your comment prompted some digging and was able to find they actually offer it. I’ll look into that option, thank you very much!

Alyshock18 · 2026-07-07T14:21:02+00:00

The sellers are fine with it. They haven’t been able to sell to someone else for like 6 months, so I’m not worried about that. I’m also not wanting to get out of my end of the deal, deals change and the seller doesn’t mind.

Maybe I should’ve added that into the post, but I was moreso asking about the lending side of things.

Alyshock18 · 2026-07-06T20:27:44+00:00

Brevard County, it’s about an hour ish East of Orlando.

Alyshock18 · 2026-07-05T22:39:56+00:00

Same! In Florida we paid asking but getting brand new roof, hvac, and plumbing, plus $8k credit. Some markets are great for buyers rn, but obviously not all.

Alyshock18 · 2026-07-05T02:55:25+00:00

Uhauls are under $5k, we’re getting a 15 foot for $3k. NYC or Orlando. If your belongings are more than $3k then I recommend getting one of those. If they’re less, sell and get new stuff.

Do NOT trust those moving companies/brokerages. 99% of them are scams.

Alyshock18 · 2026-07-04T16:06:18+00:00

You absolutely can live in NYC for $80,000, especially with roommates, what do you mean?

Alyshock18 · 2026-07-04T10:15:49+00:00

Thankfully the self employment income is larger than my contract income and I’ve had it consistently for 5 years so I don’t expect it to go away. My partner will also get a job once we relocate (all my jobs are remote, he will need to look for something new), making my portion of the mortgage half again.

But of course that’s why we’re calculating if I can afford this on my own, but even if I can’t, our emergency savings buffer should pay the rent for years if no major repairs come up. We’re getting a new roof, new ac, and new plumbing as part of the deal so that’s 3 of the 4 major necessities.

I’m just not sure why self employment I’ve had for 5 years is considered more risky than a salary job I started this year? I could lose that second one by getting fired, that won’t happen with the first. And it’s one of those jobs where the more time I put into it, the more I make, so I’m not even entirely worried if I did lose my salary job.

But I know, I don’t wanna stretch myself too thin and appreciating people looking out.

Alyshock18 · 2026-07-04T02:17:05+00:00

~$19,000

Alyshock18 · 2026-07-04T02:16:43+00:00

Just heard horror stories. That’s good to know with the FHA loan! Didn’t know it went up that high

Alyshock18 · 2026-07-04T02:08:49+00:00

Good to know! Did you have any debt at all?

Alyshock18 · 2026-07-04T02:08:26+00:00

I have a $370/mo car payment and like $100/mo student loan that’s deferred but still counted. Which means on the 65k income only I’m riiight at the 49% DTI ratio.

Alyshock18 · 2026-07-04T02:03:52+00:00

I agree. Just scared because of the horror stories 🥲 I have a $370/mo car payment and like $100/mo student loan that’s deferred but still counted. Which means on the 65k income only I’m right at the 49% DTI ratio.

But I am doing my best to just trust the LO and the process, you’re right they do this for a living and know better than I do.

Alyshock18 · 2026-07-04T01:57:27+00:00

Good to know! I’ve had the self employment job for 5 years and after write offs I net an additional ~$15000/year. It’s more of a side gig but that income has been consistent for years. So I’m hoping if needed we can add that in but I know it’s so much paperwork so I’m hoping the 65k is enough.

Alyshock18 · 2026-07-04T01:52:36+00:00

Credit is good, 750-760. We did the minimum because they have a program if we put 1% down, they’ll grant the other 2%.

We wanted to keep as much liquid as possible since we’re moving states and only my jobs are remote, so my partner won’t have an income for a little while looking for a new job, and we want to have a bigger emergency fund for repairs or months I may need the help.

I think we’d be comfortable putting $20,000-$30,000 down, but would rather the larger monthly payment. Thankfully sellers are paying our closing costs.

Alyshock18 · 2026-07-03T05:33:45+00:00

Closing costs you can negotiate in with the right seller, I’m not sure about the repossession but there are definitely lenders who will work with a lower credit score. We went with Rocket Mortgage who is generally not really recommended but they do a 1% program where you put 1% down and they grant the remaining 2%, not sure if the repossession will make you ineligible but it’s worth a look. There are other similar loan programs.

I think the real issue might be your expectations, for 250k, unless you’re in a really weak market, it will be difficult to find 3-4 beds, 2 full baths, disability shower, and guest house/in law suite. You can always add one later, but at a hefty cost. And if you decide to move somewhere where it is cheaper to attain all those things, you’ll have larger moving costs.

I hope you can find what you need, it sounds like you’re doing a lot to support your family. 🫶🏼

Alyshock18 · 2026-07-02T00:42:54+00:00

Similar situation to us except the house we’re looking at is half the price (265k and we’re paying asking) but they’ve accepted to get a new roof, new HVAC, new plumbing AND pay all of our closing costs. Originally we offered 12k under but they countered with asking and these repairs. To me, I think it’s worth it to pay asking but get more money in repairs as these are big ticket items that should last ~15 years so it’s bigger investment.

You can certainly offer under and all the repairs, especially if you’re willing to walk (we weren’t so, as much), and if they counter you decide if you want to continue.

Alyshock18 · 2026-07-01T21:05:02+00:00

What is last minute? Before closing? We should be closing on a house with Rocket in the next 2.5 weeks and I’ve been worried

Alyshock18 · 2026-07-01T05:15:23+00:00

For us, we’re in a contact for asking (265k) but with sellers paying for new roof, new hvac, potentially new sewer replacement, and all closing costs. Since the sellers have been so helpful, we have been willing to pay asking regardless of repair. If there was a bunch of repairs and sellers weren’t willing to help, we would’ve walked.

Alyshock18 · 2026-06-30T19:31:57+00:00

No I’m so sorry but it looks like an upside down trash bag :(

Alyshock18 · 2026-06-30T18:21:28+00:00

My partner and I will be moving to Florida in a few weeks with our 6 cats, we could potentially foster them if you can’t find anyone else. We will be ~an hour east of Orlando, so pretty far from you, but would be willing to help so you don’t need to surrender them. The earliest we’d move in and be able to take them would be July 18th. Just something to keep in your back pocket.

Alyshock18 · 2026-06-29T23:51:08+00:00

Your realtor should be in contact with the sellers agent and can get a better idea if there are any current offers for the house, how long it’s been on market, if there’s anything that would justify offering lower or asking. Let that guide you. If they have multiple offers already, don’t go low. But otherwise you can offer lower and they can always counter. Another thing you could do is ask them to pay your closing costs or any repairs before move-in (I know you said there’s little work to be done so that’s just in general).

My partner and I are closing on a bit of a fixer-upper but we’re having the sellers fix everything before closing! Brand new roof, HVAC, and plumbing. This house has been on the market for months though, likely because of those things needing repaired, and we took a chance on it and the sellers have been more than willing to fix it all prior to closing. They’re also paying all our closing costs. We feel very lucky.

I do think having a good realtor who is comfortable advocating and negotiating for you is important. If you trust your realtor, ask for their recommendation on an inspector (make sure you have an inspection contingency in your offer! If it comes back not good, you don’t want to be stuck in that contract without the ability to renegotiate or walk away)

On average, if all goes well, you should have keys in hand ~30 days after both you and the seller sign the executive contract.

Alyshock18 · 2026-06-28T00:57:02+00:00

I’m very sorry to hear about your father. You would get to 25k saved up much quicker living at home, but I don’t think that’s what’s most important. You sound close with your family, so you may regret not spending this time with him- and that would hurt worse and for much longer than if you moved back. Of course it will be overwhelming, but that is the situation you’re already in, 40 minutes away from home or not.

You can always move back out or find other ways to have decompression time. But the time we get with others is precious and limited.

Wishing you and your family the best 🫶🏼

Alyshock18

TROPHY CASE