Tag Archives: home buying

10 Very Basic Tips For First Time Homebuyers

As of about a week ago, Nick and I are officially homeowners. Yay! Buying our own place was cool and exciting and also possibly the most stressful thing I’ve ever done. Here are 10 things I learned along the way, that I wish someone had told me before we even started… Keep reading »

My Two Cents: I Resolve To Stop Renting!

Before the horns blew and the ball dropped, my friends went around the table sharing their resolutions for the New Year. More sex. Lose weight. Save money. Be a better person. Stop dating deadbeats.

One of those was mine. The other I shared with my boyfriend the next morning. “2011 is going to be a good year for us,” he kept repeating in that positive tone people mysteriously possess on January 1 of every year. “What do you want to accomplish?”

“I want to own something,” I told him. That simple. No word sounds sexier to me than equity. Keep reading »

Money 101: 3 Very Good Reasons Not To Buy A Home — Yet

During a coffee break at the Boston Federal Reserve’s housing crisis conference, I answered my 23-year-old, unemployed, freshly engaged sister’s phone call. She and her (also young but at least employed) fiancé were shopping for homes near San Francisco, where housing prices start above half a million dollars, and wasn’t I so excited for her? Nope! In an effort to prevent her and other young buyers from becoming housing horror stories, here are three thoughts to consider before house shopping. Keep reading »

Cash & Coupling: We’re Buying A Home — But I’m Covering The Down Payment

Maybe you want to put a monogrammed welcome mat outside the door of a cute Craftsman cottage, or maybe you’re searching for a loft with a view. No matter what kind of digs you’re shopping for, if you’re in a committed relationship you’re probably shopping with the idea that the one permanent fixture is gonna be your significant other. Buying a home with the one you love is a huge commitment – one that can be even harder to get out of than marriage vows. You’re putting your credit score, your savings, and your personal space on the line. You might not be expecting your man to bring much to the decorating table – in fact, you may be desperately hoping he won’t – but realizing that he’s coming to the closing table empty-handed can be even more frustrating than his insistence on keeping that recliner.

If you’ve been following The Frisky’s articles on buying a home, you know to expect to put down 3.5 to 20 percent of the purchase price, and it can be discouraging to realize you’re the only one with cash. We talked to Dr. Tina B. Tessina, psychotherapist and author of Money, Sex and Kids: Stop Fighting About the Three Things that can Ruin Your Marriage, about how to approach a home purchase when the whole down payment is coming from you. Keep reading »

Money 101: How To Buy Your First Home

Buying your first home can be a terrifying experience that may transform you from a financially stable go-getter to a jittery, nervous wreck.

I remember lying awake, staring at the ceiling the night before our closing. I pondered the longevity of this decision. How could I sign a 30-year financial commitment when I couldn’t even commit to a color to paint the walls in our soon-to-be new home?

We’ve already told you how to start saving for a purchase this large and momentous. Once you’ve got the money in the bank, where do you go? A good realtor should hold your hand and walk you slowly through the myriad of steps required to buy your first home. In the meantime, we asked 20-year-veteran Atlanta realtor Kristen Crisp to give us the abbreviated version for first-time home buyers. Keep reading »

Money 101: How To Start Saving To Buy Your First Home

There it is again. That once-a-month unsettling feeling. It’s not your ovulation cycle. It’s your monthly financial cycle making you nauseous. It’s that nagging feeling that accompanies the deadline for your rent check. Who’s getting rich off your rent? Are you wasting money when you should be building equity? And what the heck IS equity, anyway?

However noble and responsible those questions are, if you’re anything like I was before I got hitched and bought a house, you quickly file them away in the “I’ll think about that next month” drawer. Besides, the pizza deliveryman is on the way, and “Sex and the City” re-runs are on demand. Renter’s paradise, right?

But if you’re lingering over the neighborhood home guide, you might as well educate yourself on how to save for your first home. We interviewed consultant and women’s financial expert Deana Arnett for tips on when you’re ready for your own home and how in the heck to get the process started. (First, turn off Carrie Bradshaw. She’s a bad influence. Her shoes and handbags alone would cover half a dozen mortgage payments.) Keep reading »

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