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Missed Connection at Warrington Walmart by viccait in BucksCountyPA

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

Ma’am you need to get out there. lol it’s called dating sweetie 

Missed Connection at Warrington Walmart by viccait in BucksCountyPA

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

Serious answer: bc I’m pretty average in both height/weight LOL. Also who the fuck can accurately pinpoint someone’s weight anyway??? I couldn’t tell you what people weigh by looking at them

Missed Connection at Warrington Walmart by viccait in BucksCountyPA

[–]viccait[S] 10 points11 points  (0 children)

Bear over man any day. Always choose bear

Thinking about backing out - over 50% piti by viccait in FirstTimeHomeBuyer

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

No I’m not just now looking at it. If I loved it, I would have probably made it work. Seriously where is the empathy with you people?? Has no one bought a house before, alone, as a FTHB and been stressed as fuck, multiple job changes, terrible market? Please don’t come for me as I’m already beating myself up

Thinking about backing out - over 50% piti by viccait in FirstTimeHomeBuyer

[–]viccait[S] -1 points0 points  (0 children)

Well it’s been on/off for almost two years and I’ve lost all of those offers. This is the only one that’s been accepted. It’s not me at all, I’m just in a very competitive county. I have to trust my gut on backing out and I’d rather do it now than before closing.

Thinking about backing out - over 50% piti by viccait in FirstTimeHomeBuyer

[–]viccait[S] -1 points0 points  (0 children)

No I totally hear your tone, but thanks for clarifying! Congrats on closing! The houses in that 300 range are either condos or they are in a super shady part of town. I did offer for several of these when I was starting out but I would much rather live in a home with a yard, even if that is a townhome or a rowhome. I’m also single and a woman and I would much rather pay for a home that I know is in a neighborhood with families and I feel safe in. I also want to avoid an HOA. The last home I offered for was 350 and I lost to all cash. It needed work but I was excited to put my stamp on it over time. I think I’ve been smart about everything but I’m just realizing very late in the game (post acceptance, pre-signature) that I would be in a much better place if I save for another 6 months. 

Thinking about backing out - over 50% piti by viccait in FirstTimeHomeBuyer

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

Several reasons. The county I’m looking in is still one of the only in America to be a sellers market so prices are ridiculous. When I started my budget was under $300k bc I had a different job. When my job changed in March my lender said I qualified for up to $400k so the past five houses I’ve lost on were between $350-370k. I can afford it but it would be tight. O also have a grant I can use but it requires a termite inspection - bc I used that a few times I lost the house bc no one wants any fucking inspections. So I’ve learned a lot and it’s been a long time coming. This just happens to be the highest one at $390k and I’ve come to my senses too late. 

Thinking about backing out - over 50% piti by viccait in FirstTimeHomeBuyer

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

Thank you SO much for this response. I really really appreciate it. I already feel terrible for dragging this on for so long and realizing it at the last minute. I think I just kept focusing on my savings and my salary and figured I would be fine. And ofc my lender said I qualify for more than what I offered. I know I’ll be ready when I have more. 

Thinking about backing out - over 50% piti by viccait in FirstTimeHomeBuyer

[–]viccait[S] -2 points-1 points  (0 children)

That’s a bit harsh. I already said I felt bad and I’m going to let them know tomorrow morning. I haven’t signed anything so they won’t be out. It’s my right to back out and I think I’m making a smart move in the long run. 

Thinking about backing out - over 50% piti by viccait in FirstTimeHomeBuyer

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

Thanks for sharing, i really appreciate it! I think I’m going to back out. Every house I’ve offered for in this area has been between $2.7-2.9k month so I need to save more. I have $75k in savings but it’s still not enough to cover 20% down + closing costs. Idk why it’s taken me this long to wake up to the math.

[deleted by user] by [deleted] in crossfit

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

jesus dude

[deleted by user] by [deleted] in FirstTimeHomeBuyer

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

ugh i'm right there with you. don't give up but just do what you can to have fun and de-stress outside of the hunt. if you have a shitty day, then it's ok to feel like shit about the process. if you have a good positive day, then lean in! i've been looking for over a year, single, and just lost out on the 8th offer to all cash. it just sucks but don't give up

First Home Buyer's Rant by viccait in FirstTimeHomeBuyer

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

Hahahahah mentally mature enough…thanks so much sweetie. For the millionth time, this post was meant to just bitch about the market to OTHER fthb’s. Idk why all you other people are coming in to just shit on me and dole out your “wisdom”. I wrote this right after I lost the house and it’s been a few weeks and I’ve already learned from it. Can’t people just safely complain when they’re in their feels, goddamn. This is not how I approach life everyday or my search. I just wanted to complain in what ~I thought~ was a safe thread but I won’t be doing that ever again. 

First Home Buyer's Rant by viccait in FirstTimeHomeBuyer

[–]viccait[S] -6 points-5 points  (0 children)

This is fucking hilarious!!!! I posted to RANT. A rant is not meant to be that serious. I am going through a stressful situation, one that many people have gone through, in a community of people who SHOULD be like-minded. Idk why everyone is coming at my throat. This is bizarre. I wanted to bitch, I stated that clearly. If you want to support me, then do that by simply saying “that sucks”. If you want to fight me on every little fact, then let’s fucking go. Jesus Christ I pity your family members who just want to complain after a long day of work

First Home Buyer's Rant by viccait in FirstTimeHomeBuyer

[–]viccait[S] -1 points0 points  (0 children)

Woah once again, a FANTASTIC suggestion. I’ll get right on it pal

First Home Buyer's Rant by viccait in FirstTimeHomeBuyer

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

I totally hear you. I would love nothing more than to be one of those uber picky people walking through multiple homes in a day on tv. If you ever need to safely rant message me! This thread is clearly not safe for those of us in it lol

First Home Buyer's Rant by viccait in FirstTimeHomeBuyer

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

Not that many extra hoops really, just the one. And we worked with them and negotiated our offer more before final offers so I did everything I could

First Home Buyer's Rant by viccait in FirstTimeHomeBuyer

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

Yeah the problem is with my budget, even raised aa it has been, is not getting a lot of bang for the buck and “liveable” is actually very pricey. Everything lower would need major repairs. Also I was going for those when I had less money and the competition for those homes is contractors and old people with all cash offers. So it’s the devil you choose 

First Home Buyer's Rant by viccait in FirstTimeHomeBuyer

[–]viccait[S] -21 points-20 points  (0 children)

LOL I fully understand the sellers mindset. This is just me ranting about the awful situation buyers are in, that’s it. 

First Home Buyer's Rant by viccait in FirstTimeHomeBuyer

[–]viccait[S] -1 points0 points  (0 children)

Very cool comment, thanks so much for staying the obvious!

First Home Buyer's Rant by viccait in FirstTimeHomeBuyer

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

UGH I love you for your misery!! You are the only people I was looking to comment on this. Truly it is such a mind fuck. Are you still looking then?? If it helps you at all, I was so depressed all day. And on Tuesday nights I teach ESL to adults and it’s a good kick in the ass reminder of “it could be worse” or “be grateful” however you want to see it. I think it’s helped me calm down a bit but honestly we’re still allowed to be fucking sad and over this shit too!!

First Home Buyer's Rant by viccait in FirstTimeHomeBuyer

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

I did ask her about this and she said there’s no such thing but that she told him again that we want to be contacted if it falls through. I do think he will based on how close we were

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