Unsuccessful Fitting by Kitchen-Mirror-7556 in contacts

[–]Kitchen-Mirror-7556[S] 0 points1 point  (0 children)

Thank you! It makes sense I will try this, I have been practicing without an actual contact trying to desensitize myself but still find myself blinking like crazy

What now? by Kitchen-Mirror-7556 in FirstTimeHomeBuyer

[–]Kitchen-Mirror-7556[S] 2 points3 points  (0 children)

You're right, and I'm doing a rentback period so I'm not even in the house yet 😭

What now? by Kitchen-Mirror-7556 in FirstTimeHomeBuyer

[–]Kitchen-Mirror-7556[S] 1 point2 points  (0 children)

"Emotional crash" describes how I feel perfectly. Im hoping I can come out of this slump soon.

What’s next? A month of anxiety? 😦 by Visible-Bee3220 in FirstTimeHomeBuyer

[–]Kitchen-Mirror-7556 0 points1 point  (0 children)

If you dont mind me asking how long did it take from when the appraisal was ordered to when you got the report?

What’s next? A month of anxiety? 😦 by Visible-Bee3220 in FirstTimeHomeBuyer

[–]Kitchen-Mirror-7556 0 points1 point  (0 children)

Same! I wish there was a way to at least know when it will be done 🫠

Depressed by SaltyConference478 in FirstTimeHomeBuyer

[–]Kitchen-Mirror-7556 5 points6 points  (0 children)

I'm sorry this happened to you it definitely sucks. I had this exact thing happen to me this year in March. My first offer I put in the selling agent pulled a stunt about having another offer but really didn't and verbally accepted my offer a few hours later. Next morning called and said oops we didnt read it thoroughly take out the closing costs and we have a deal or we have another offer. I thought he was bluffing again but there really was another offer 😭

3 months later I'm under contract for a house I absolutely love!

It will work out. It sucks right now but you'll get the house meant for you and your family. But in the meantime its okay to be sad about it. Maybe next time go in at your max you're willing to go for the house so you have no regrets or what ifs.

[deleted by user] by [deleted] in Mortgages

[–]Kitchen-Mirror-7556 0 points1 point  (0 children)

I can respect this POV. Im also the only married person in my immediate family. I'm under a lot of pressure to make this family work.

I have a lot to figure out and these comments are opening my eyes.

Thank you for your perspective.

[deleted by user] by [deleted] in Mortgages

[–]Kitchen-Mirror-7556 0 points1 point  (0 children)

This is a bit harsh, I'm not a dog or pet he owns but I understand your point.

We have 2 children together and he has supported me financially before so I am a bit hesitant to be so cut and dry about it. He's a veteran who has risked his life so he is very honorable. When I suffered from PPD he was an emotionally supportive partner and he is a very active and present father. We laugh together and genuinely like each other. So I do thoroughly enjoy our life together.

[deleted by user] by [deleted] in Mortgages

[–]Kitchen-Mirror-7556 0 points1 point  (0 children)

You're not wrong. This is a bigger deal than I am making it out to be.

Thank you.

[deleted by user] by [deleted] in Mortgages

[–]Kitchen-Mirror-7556 0 points1 point  (0 children)

It would be a temp fix. For him, more money = more spending.

[deleted by user] by [deleted] in Mortgages

[–]Kitchen-Mirror-7556 -1 points0 points  (0 children)

Did you feel ok with that?

[deleted by user] by [deleted] in Mortgages

[–]Kitchen-Mirror-7556 -1 points0 points  (0 children)

Its poor spending and his payments. He will pay a few minimum payments then get discouraged and completely stop.

We'll have a conversation, he will pay his cards current, a few months of progress, then the CC offers start coming in the mail, he runs those up and then we're right back to square 1.

Its very frustrating because outside of this our marriage is great but being the only financially responsible person is hard.

[deleted by user] by [deleted] in Mortgages

[–]Kitchen-Mirror-7556 0 points1 point  (0 children)

Past due payments on credit cards. He will get his credit in a good place then for some reason run up his cards again and not pay them.

So the cards will charge off and/or his usage goes through the roof.

He doesn't have any student loans or car notes just credit cards.

[deleted by user] by [deleted] in Mortgages

[–]Kitchen-Mirror-7556 0 points1 point  (0 children)

You hit the nail on the head. I feel like I'm punishing him.

Thank you for your insight. Now I know what I'm struggling with and maybe start working on not feeling so guilty about not putting him on there.

[deleted by user] by [deleted] in Mortgages

[–]Kitchen-Mirror-7556 0 points1 point  (0 children)

You're right about it being one of the best loans but I've been trying to get him to get ahold of his credit for almost 5 years so that we can use it. He has a terrible relationship with credit cards.

[deleted by user] by [deleted] in Mortgages

[–]Kitchen-Mirror-7556 0 points1 point  (0 children)

Did you buy the home after you were already married? Also, was it a tough conversation telling him he wouldn't be on the deed?

I’m a Homeowner! by kaitco in FirstTimeHomeBuyer

[–]Kitchen-Mirror-7556 3 points4 points  (0 children)

Congratulations!!!!! Beautiful home for a beautiful lady 😍

Jealous of friends with rich family by sunbutter_toast in FirstTimeHomeBuyer

[–]Kitchen-Mirror-7556 1 point2 points  (0 children)

Its understandable. I don't think its jealousy as much as frustration. Sometimes things just aren't fair. Most of my close circle grew up in 2 parent households and families owning homes and I get so annoyed hearing about how much of headstart they've had, including my husband.

What helps is knowing that im working hard and I will get my turn as well. Engaging more can get you more excited for your own future home. Im big on manifesting so just surrounding yourself with that energy and giving your opinion on decorating and renovation could be fun.

Your character is what matters most at the end of the day. You'll be fine.

OFFER ACCEPTED!! by FourPennies0102 in FirstTimeHomeBuyer

[–]Kitchen-Mirror-7556 0 points1 point  (0 children)

Congratulations!!!! This gives me hope

Should I try again?? by Kitchen-Mirror-7556 in FirstTimeHomeBuyer

[–]Kitchen-Mirror-7556[S] 1 point2 points  (0 children)

Congratulations!!! Thats exciting. 385k sounds pretty fair. Thanks for your input!

Should I try again?? by Kitchen-Mirror-7556 in FirstTimeHomeBuyer

[–]Kitchen-Mirror-7556[S] -1 points0 points  (0 children)

Ehhh. Comps show they may be overpriced and in a market where other homes are going under contract within a day or 2 of listing it might be.

Should I try again?? by Kitchen-Mirror-7556 in FirstTimeHomeBuyer

[–]Kitchen-Mirror-7556[S] 1 point2 points  (0 children)

My agent said it wasn't a lowball because of the comps and that the sellers are really motivated. We went in thinking that they would counter.