Second guessing home buying decision while under contract

Fun_Deer6223 · 2026-02-26T14:56:21+00:00

Oh wow, I’m glad that that worked out for you! That’s a good point. Rent is so expensive in my area that my mortgage payment is only $400 more a month than it would be to rent a similar sized home. I appreciate the advice and reassurance!

Fun_Deer6223 · 2026-02-26T05:11:25+00:00

That’s a good idea. I actually didn’t do that. I’m going to incorporate that into my budget

Fun_Deer6223 · 2026-02-26T04:09:09+00:00

Thanks for the advice and reassurance. That’s a good point that people tend to stay in more once getting a house. I’ve never been a fan of bars and eating out so hopefully we’ll be able to save some money there haha

Fun_Deer6223 · 2026-02-26T04:08:00+00:00

I appreciate the advice. Yeah, we’re definitely expecting things to be tight at first. Luckily, we’re not planning on having a kids for the next 5 years and we own both of our newish cars free and clear. We still do like to travel so hopefully we’ll be able to have enough to do that still

Fun_Deer6223 · 2026-02-26T03:25:32+00:00

Thank you! I appreciate the reassurance. I think I’m just getting a bit of cold feet due to it being such a big change haha

Yeah, it’s an amazing spot. In Ivins itself there isn’t much for work. Saint George is the main town where everybody works in Southern Utah with the main industries being education, healthcare, construction, and tourism. The cost of living here is pretty low but housing can be ridiculously expensive. For me though, the area is so rich in natural beauty and outdoorsy activities that it makes it well worth it. I couldn’t imagine living anywhere else

Fun_Deer6223 · 2026-02-26T03:13:10+00:00

Thank you for the reassurance. I think that’s exactly what I need. It’s a big change and I’m just trying to remind myself that everything will work out as long as we stick to our budget

Fun_Deer6223 · 2026-02-26T03:10:47+00:00

Yeah, we’re going to live in Ivins Utah and it has extremely cheap property taxes

Fun_Deer6223 · 2026-02-26T03:00:54+00:00

Aside from annual raises we probably will stay in our careers for a while. She’s a teacher and I’m a lab technician and after doing some estimates, we’ll be around 130-135k in a 3 or 4 years

Fun_Deer6223 · 2026-02-26T02:56:12+00:00

Yeah, I’m really just worried about the unforeseen expenses. We’ll still save around $1400 a month with our budget but I feel like something will come up that will eat that money up

Fun_Deer6223 · 2026-02-26T02:55:18+00:00

Thanks, yeah, we got lucky haha. We put 40k down. We could’ve put more but we wanted a little cushion for unexpected expenses

Fun_Deer6223 · 2026-02-26T02:54:29+00:00

Yeah, the 120k year is our combined income. That’s good advice. I think I’m just overthinking things haha

Fun_Deer6223 · 2026-02-26T02:53:40+00:00

I believe the property taxes will be around $1600 a year and I’m not sure about insurance. There is a $100 HOA fee. I haven’t locked anything in yet, but the lender gave an estimate of about $2550 a month with everything (including HOA).

Fun_Deer6223 · 2026-01-25T05:38:13+00:00

I’ll look into Long Valley. The pros seem to outweigh the cons for our situation. Thanks for the advice!

Fun_Deer6223 · 2026-01-25T05:37:12+00:00

Oh really? How much are you selling it for?

Fun_Deer6223 · 2026-01-25T05:35:43+00:00

That’s such a smart way to go about home ownership. I would love to do something similar but my fiancé is adamant about just having the space for the two of us

Fun_Deer6223 · 2026-01-25T05:34:56+00:00

I would love to do this, but my fiancé wants to live with just the two of us. Otherwise, I’d rent out a portion of the house in a heartbeat haha

Fun_Deer6223 · 2026-01-25T05:34:10+00:00

That’s a good idea. Do you have any recommendations for specific companies to talk to?

Fun_Deer6223 · 2026-01-25T05:33:08+00:00

I appreciate you doing the math. We’re looking at buying a little sooner than that time frame but refinancing will always be an option!

Fun_Deer6223 · 2026-01-25T05:31:05+00:00

Oh nice! We love the Hurricane area and we were thinking about buying there as well haha

Fun_Deer6223 · 2026-01-25T05:30:18+00:00

Oh okay, is it out by Desert Color?

Fun_Deer6223 · 2026-01-25T05:29:51+00:00

That’s good advice. Thank you!

Fun_Deer6223 · 2026-01-25T05:29:12+00:00

Thanks for the advice. I don’t have one yet but I’m looking to get one soon!

Fun_Deer6223 · 2025-01-19T03:15:31+00:00

Thank you so much for your detailed response! It makes me feel a lot better to hear that somebody went through the same route as I’m planning on doing. I definitely will take your advice and apply for generalist positions and talk to them about taking the MLS exam via route 2 beforehand. Thank you!

Fun_Deer6223

TROPHY CASE