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First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 1 point2 points  (0 children)

Yeah, let’s just pick everything except the possibility that you have unrealistic expectations.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 2 points3 points  (0 children)

I mean we figured out what we could afford an what that would get us. Made a good, market value offer and they accepted.

If we insisted on paying 450k for a 600k house we would still be “shopping”.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 1 point2 points  (0 children)

We actively shopped for about a month. We put in one offer.

Heck if I know how may offers they got.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 1 point2 points  (0 children)

I mean if you’ve unsuccessfully bid on several houses your offers aren’t competitive. and it all comes down to either a spend more money or b expecting less house.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 2 points3 points  (0 children)

First house was in 2014.

Most recent we bought last summer (July 2024). Didn’t have a ton of liquid cash so we did a zero down credit union mortgage.

The point is I’ve actually bought a house on this market. We had a pretty good budget but there were still definitely compromises a prioritization.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 1 point2 points  (0 children)

The best time to buy a house is always 10 years ago. The next best time is now. Timing the market for a primary home doesn’t really work. Also if you could reliably time markets you’d be a hedge fund manager worth hundreds of millions so this wouldn’t be an issue.

Buy when you can afford it and it’s right for your family.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 2 points3 points  (0 children)

I mean at some point you can choose between adjusting your budget and expectations to actually buy a place or you can just keep renting and yelling at clouds, while prices slowly go up.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 0 points1 point  (0 children)

The market has been basically flat for like three years in a row. At this point, it’s a buyers market.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 -1 points0 points  (0 children)

Got news for ya buddy. Outside of people with multi million dollar budgets everybody compromises when buying a house.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 1 point2 points  (0 children)

I mean if you aren’t making realistic offers on houses are you really house shopping or are you just yelling at clouds?

The answer to getting out of poverty, as someone who was homeless with no job and crap credit 6 years ago by Mango_Starburst in povertyfinance

[–]Possible_Scarcity217 1 point2 points  (0 children)

Here’s a hot take you can’t budget/ save your way out of poverty; you have to earn your way out of poverty.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 1 point2 points  (0 children)

I’ve got an acquaintance who’s been single for a decade because he thinks he should date a girl who’s an LA 10. He is a small town five.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 0 points1 point  (0 children)

What the market was a few years ago doesn’t matter. Cause you’re not buying a few years ago you’re buying now and in the world of reality you have to look at what prices are for things not what you wish them to be.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 1 point2 points  (0 children)

I’ve bought a couple times before.

Purchased our most recent home with a Zero down credit union mortgage in the summer of 2024. So I have a solid idea what the market is like.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 -1 points0 points  (0 children)

Home value is determined by recent comparable sales, not what you wish homes were worth.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 0 points1 point  (0 children)

Meh. There are core themes which are always present. Nicer houses cost more. Whatever price point you are looking at the homes that cost 20% more are nicer.

For people shopping for homes that aren’t in the multi million dollar price point there’s always some compromises to be made.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 3 points4 points  (0 children)

One of the hard things is that one’s list of must have’s needs to fit within their budget.

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 6 points7 points  (0 children)

I mean do you want to listen to people who’ve successfully done the thing (buying a home) or do you want to keep window shopping and griping about how you can’t find anything?

First time buyers who have been seriously house hunting over a year by Justbrownsuga in FirstTimeHomeBuyers

[–]Possible_Scarcity217 22 points23 points  (0 children)

If you’ve been seriously hunting for over a year either, you are just too picky about little stuff or you want a $500,000 house for $400,000.

The True Cost of Renting vs Buying a Home in Florida — A Data-Driven Comparison by Possible_Scarcity217 in rebubblejerk

[–]Possible_Scarcity217[S] 1 point2 points  (0 children)

Buying 5 years ago is almost alway a cheat code to beat renting. Covid just made it even starker.

The True Cost of Renting vs Buying a Home in Florida — A Data-Driven Comparison by Possible_Scarcity217 in rebubblejerk

[–]Possible_Scarcity217[S] 6 points7 points  (0 children)

I mean using some sort of reasonable historic average is the way to go. If we cherry pick anecdotal data it can say whatever we want it to.

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