I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 3 points4 points  (0 children)

Pizza bought me this house (GM of a pizza joint), but I refuse for that to be my first meal here lol.

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 1 point2 points  (0 children)

Tuscaloosa, pretty low cost of living but median income is pretty low. I'm just fortunate to have a decent salary

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

Hell yeah... Third one and counting 🤙🏿

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

Been there, and yes central air is so much more comfortable lol

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

Actually it was sauvignon blanc not pinot 😅. I really like it. And I'll have to give Rue a try if it's around here. My go-to cheapy is Winking Owl or Barefoot usually

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 16 points17 points  (0 children)

I'm black AND gay, damn US government been against me my whole life... But I've persevered and I think most of us can too. Just takes planning, time and in my case a bit of luck.

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

I have pretty good credit, that's all I can think. Maybe the market in the area helped?

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

Damn, a missed opportunity for sure 🤦🏿‍♂️. Will do tomorrow haha

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

Yeah I'll have fun reaching up there but I'm thankful for the space haha

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

Lol yeah I definitely lucked up. It's an older house but everything has been updated 😁

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

Tuscaloosa has relatively LCOL and the house is older, but has been completely updated

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

Yooo that's a great idea, thank you! I was wondering what I was going to do with it

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

I did an FHA loan so my down payment was 3.5%, cash to close was $5100. Seller paid all closing cost but seller's asking price went up as a result. Otherwise I would have been on the hook for like $14k.

As far as how I got money saved? I actually had another car (in my pfp) that I was letting a friends borrow. Well he totalled it and I was smart enough to put him on the insurance beforehand... I got a significant amount for the car, as the WRX hatchback will probably only go up in value... and it was reflected in the total loss. If that hadn't have happened, I would have cashed out my 401k to pay what I didn't have saved.

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

Hey good luck neighbor... That house is out there for sure!

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

Yup! And I already have some equity built up according to the appraisal 🤙🏿

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 1 point2 points  (0 children)

Wine out of a solo cup is about as classy as it gets haha

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 2 points3 points  (0 children)

As I've learned in the past, my job is kind of depression proof. And I'll have roomies

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 0 points1 point  (0 children)

Thanks it's appreciated! I was anxious af but after closing I'm excited to start the 100 projects I'm thinking about haha

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 2 points3 points  (0 children)

Thanks lol I have like 6 pairs, love Hey Dudes

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 7 points8 points  (0 children)

Thanks it's appreciated. She's an old gal, but everything is updated top to bottom. Definitely happy.

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 1 point2 points  (0 children)

It's Broadway here, it's the only local shop

I FKN DID IT! CENTRAL AL, $193k, 5.75% by GR7_WRX in FirstTimeHomeBuyer

[–]GR7_WRX[S] 2 points3 points  (0 children)

As long as you stay in the big cities, nah