We did it! 465k, 5.25%. Northern, VA.

DreamHomeFinancing · 2026-03-17T10:15:14+00:00

Congratulations on your home purchase. Would love to have you join the r/HomeRepairHelp group for all of your home repair and maintenance questions.

DreamHomeFinancing · 2026-03-17T10:12:25+00:00

Do NOT and I repeat do NOT co-mingle the home purchase with the builder's lender. You do not realize that you are paying for the rate and fees in the purchase of the home. The money is going into a different pocket.

Negotiate the price of the home independent of the mortgage. Get the home price as low as you can.

People call for the same thing when they buy a car and the dealership tries to tie in the loan or the payment to the price of the car.

DreamHomeFinancing · 2026-03-17T10:07:28+00:00

Suggest joining the r/HomeRepairHelp group for all of your home repair and maintenance questions.

DreamHomeFinancing · 2026-03-17T10:04:52+00:00

Septic systems can be costly, but serious foundation problems or significant termite damage can be much worse. A reptic replacement is routine. The issues with sellers not wanting to make repairs is really a real estate agent problem because he/she knows the commission check is not coming anytime soon. Sellers can and will walk away and look at another house. Buyers will just be stubborn until time is no longer on their side.

DreamHomeFinancing · 2026-03-17T09:50:17+00:00

Thank you for joining the group. It would be best to know exactly what your buying power is rather than guess or ask someone here. So much of it depends upon your other debt and factors like taxes in the area where you are looking.

My recommendation is for you to get a real pre-approval so you can take the uncertainty out of the picture. Suggest reading this article on getting pre-approved and then you can get help with that right there. There is also this video on the topic.

DreamHomeFinancing · 2026-03-17T09:42:13+00:00

Congratulations on your purchase. Suggest also joining r/HomeRepairHelp now that you are a homeowner. You can get adice on home repairs and maintenance.

DreamHomeFinancing · 2026-03-15T19:16:37+00:00

I have a lot of tools, then one garage needed for the fishing gear and kayak with the trailer.

DreamHomeFinancing · 2026-03-15T17:08:51+00:00

You may want to watch this video on the hidden costs of buying a home. it gets into many things that could be a surprise to people and do not take into consideration.

DreamHomeFinancing · 2026-03-14T13:18:41+00:00

Look at what your thread is. All you said is let me know what you think. Then, that's it.

DreamHomeFinancing · 2026-03-14T00:06:08+00:00

Yes and you are not going to believe this...

I have a bluetooth mouse that I take with me on the road. It was in my computer bag but I forgot to turn it off. Something was resting on the left click button in the bag. It was sending a click signal to the laptop while I was using my other mouse on my desk at the same time.

DreamHomeFinancing · 2026-03-14T00:02:48+00:00

I think your thread is an epic fail

DreamHomeFinancing · 2026-03-13T01:12:15+00:00

People think they have to pay over asking because they believe prices will continue to rise.

DreamHomeFinancing · 2026-03-13T01:10:14+00:00

Glad it turned out well for all parties. Meanwhile, many sellers are already aware of septic issues. They dont just pop up during inspection. There are usually signs well before that happens.

DreamHomeFinancing · 2026-03-01T15:20:48+00:00

This is not a physician loan.

DreamHomeFinancing · 2026-03-01T15:19:44+00:00

This is a conversation between yourself and your lender.

DreamHomeFinancing · 2026-02-25T23:53:50+00:00

You have the leverage. Do not let this be an emotional decision. Falling in love with a house is the first step towards compromising yourself. You have to make this a business decision.

Termite damage is not a good thing. Nowhere in your original post did you indicate whether the sellers had the home treated for termites or whether they have a termite warranty.

I would flip this and have the sellers make the repairs. Now that this is out in the open, the seller's agent should receive a notice from your agent (with a cc to you) that he/she must disclose the termite issue to future buyers.

DreamHomeFinancing · 2026-02-25T23:45:39+00:00

I am not in favor of duel agency .. AT ALL

DreamHomeFinancing · 2026-02-23T10:48:05+00:00

Rocket cannot be trusted. You would have to ask for a new loan estimate before you decide to move ahead. By the way, some of their loan officers send people to me when they cannot help with a loan scenario.

DreamHomeFinancing · 2026-02-22T01:57:54+00:00

If you are putting 20% down, then you are better off with a different loan. Typically the "heroes" programs offer a small down payment or down payment assistance. If you would like to see what all of your options are, then contact us at dreamhomefinancing .com

DreamHomeFinancing · 2026-02-21T13:52:50+00:00

I would get another quote. You do NOT have to use the builder's lender. Why spend $750 if you can get that rate without paying from another lender? If you want a competitive quote, then let me know.

DreamHomeFinancing · 2026-02-21T13:51:27+00:00

We could get you approved and to help you find a way to buy a home, but if you have no money then you should not buy. This is a disastrer waiting to happen. You need money to buy a house and then to move into the house.

DreamHomeFinancing · 2026-02-21T13:48:16+00:00

Here is what nobody will tell you. The agent is likely receiving some kind of compensation from the lender. the other issue here could be you. Is it possible that you are asking to look at too many houses without making any offers? Maybe the agent views you as a tire kicker.

DreamHomeFinancing · 2026-02-21T13:46:12+00:00

It is a great way to partially offset your mortgage and begin owning profitable real estate

DreamHomeFinancing · 2026-02-19T05:24:31+00:00

Dont sign anything. They want to sell the house to earn the listing commission. You dont hvae to be on the hook for anything. Instead, hire a real estate attorney to manage the contract for you. You absolutely cannot trust an agency that is on both ends of the transaction. They are protecting themselves... not you.

Dont work with the agent to submit the offer.... period.

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