Author Topic: buying a house (Read 80832 times)

Dub · « **Reply #375 on:** May 21, 2016, 11:21:17 AM »

Yeah, the new stuff looks/feels like real grass. Just more costly and didn't know about permeability (dogs) and wear and tear/replacing etc.

That being said, think we are going to sod. Not sure if I have the patience for seeding.

star seed 7 · « **Reply #376 on:** May 21, 2016, 11:23:54 AM »

I wouldn't worry about dogs. Most of the dog daycare places have turf because it doesn't wear down to mud

wetwillie · « **Reply #377 on:** May 21, 2016, 12:16:09 PM »

Hardscape it Dub, you don't have kids right?

Tobias · « **Reply #378 on:** May 21, 2016, 01:08:53 PM »

or if you do, maybe they'll want a skate park

sys · « **Reply #379 on:** May 21, 2016, 02:08:32 PM »

def. hardscape over fake grass. good lord.

Bloodfart · « **Reply #380 on:** May 21, 2016, 05:11:49 PM »

We're paying off the motherfuckin house mortgage next month.

wetwillie · « **Reply #381 on:** May 21, 2016, 05:28:00 PM »

When blood fart leaves your ass he goin leave wit half.

slobber · « **Reply #382 on:** May 22, 2016, 07:32:28 AM »

Quote from: Bloodfart on May 21, 2016, 05:11:49 PM

We're paying off the motherfuckin house mortgage next month.

Throwing a party? Man, I can't wait to get that done. We are on a 15 with 11 to go. I am not going to pay it off faster because kids and school are expensive, but still. Eleven years is nothing!! I will throw a big ass party when we are done.

Side note, we are considering moving (locally) to get closer to the kids' schools. If we do, it may screw up this plan to be done in 11 years because we may buy more house and I don't know if we can swing a 10 year mortgage on a 30-40% more expense house (houses in that area have amaze ballz HVAC set-ups) and still save for college and pay for Catholic school and stuff. It's a real conundrum.

Bloodfart · « **Reply #383 on:** May 22, 2016, 09:47:02 PM »

Quote from: slobber on May 22, 2016, 07:32:28 AM

Quote from: Bloodfart on May 21, 2016, 05:11:49 PM
We're paying off the motherfuckin house mortgage next month.
Throwing a party? Man, I can't wait to get that done. We are on a 15 with 11 to go. I am not going to pay it off faster because kids and school are expensive, but still. Eleven years is nothing!! I will throw a big ass party when we are done.

Side note, we are considering moving (locally) to get closer to the kids' schools. If we do, it may screw up this plan to be done in 11 years because we may buy more house and I don't know if we can swing a 10 year mortgage on a 30-40% more expense house (houses in that area have amaze ballz HVAC set-ups) and still save for college and pay for Catholic school and stuff. It's a real conundrum.

This is our first house and it was a fixer-upper. We're far from being done with loans especially when I buy out dad's share of the farm ground. The plan now is to find a place outside of town but close to K-96 between Hutchinson and Wichita. I'm not thrilled about building but I think that's what we'll have to do.

nicname · « **Reply #384 on:** May 22, 2016, 09:55:16 PM »

michigancat · « **Reply #385 on:** May 22, 2016, 10:27:44 PM »

what % did everyone put down on their last house?

kim carnes · « **Reply #386 on:** May 22, 2016, 11:20:54 PM »

20 bro

HerrSonntag · « **Reply #387 on:** May 23, 2016, 07:45:50 AM »

Quote from: michigancat on May 22, 2016, 10:27:44 PM

what % did everyone put down on their last house?

3.5%, FHA loaned that business up versus paying more rent money while i saved up. Paid 1.5x payments until i got to 20% to get rid of the mortgage insurance.

Emo EMAW · « **Reply #388 on:** May 23, 2016, 09:05:34 AM »

I own half a duplex as a rental property. The other half got foreclosed on. Which sucks. But now I think I have to buy it on the cheap.

slobber · « **Reply #389 on:** May 23, 2016, 09:20:02 AM »

Quote from: michigancat on May 22, 2016, 10:27:44 PM

what % did everyone put down on their last house?

About 22%. Then when we refinanced 4 years ago to the 15 year we paid it down by another 10% to make the payments much more manageable. We own about 60% now, which will be an amazing down payment if we do move!

Tobias · « **Reply #390 on:** May 23, 2016, 09:24:18 AM »

catastrophe · « **Reply #391 on:** May 23, 2016, 09:27:57 AM »

Slightly over 20

KCFDcat · « **Reply #392 on:** May 23, 2016, 10:03:01 AM »

Quote from: michigancat on May 22, 2016, 10:27:44 PM

what % did everyone put down on their last house?

About 25%. Kcfd wife and I had a big argument last night about how long we're going to stay in this house. I'm all for staying here and paying off the mortgage. She wants to move!

Skipper44 · « **Reply #393 on:** May 23, 2016, 10:16:40 AM »

Quote from: KCFDcat on May 23, 2016, 10:03:01 AM

Quote from: michigancat on May 22, 2016, 10:27:44 PM
what % did everyone put down on their last house?
About 25%. Kcfd wife and I had a big argument last night about how long we're going to stay in this house. I'm all for staying here and paying off the mortgage. She wants to move!

that discussion is a waste of time and energy until you have at least 1 lil'KCFDcat

30ish on first house, 40ish on current

KCFDcat · « **Reply #394 on:** May 23, 2016, 10:18:23 AM »

Quote from: Skipper44 on May 23, 2016, 10:16:40 AM

Quote from: KCFDcat on May 23, 2016, 10:03:01 AM
Quote from: michigancat on May 22, 2016, 10:27:44 PM
what % did everyone put down on their last house?
About 25%. Kcfd wife and I had a big argument last night about how long we're going to stay in this house. I'm all for staying here and paying off the mortgage. She wants to move!
that discussion is a waste of time and energy until you have at least 1 lil'KCFDcat

30ish on first house, 40ish on current

Very true, although we bought this house with the intention of having a couple of lilkcfd's.

sys · « **Reply #395 on:** May 23, 2016, 10:26:47 AM »

Quote from: michigancat on May 22, 2016, 10:27:44 PM

what % did everyone put down on their last house?

10%.

Emo EMAW · « **Reply #396 on:** May 23, 2016, 10:29:22 AM »

Quote from: sys on May 23, 2016, 10:26:47 AM

Quote from: michigancat on May 22, 2016, 10:27:44 PM
what % did everyone put down on their last house?

10%.

Same.

Mrs. Gooch · « **Reply #397 on:** May 23, 2016, 10:47:15 AM »

I think we only put like 4% down but then we paid extra every month and got the equity up to 20% pretty quickly to get rid of the PMA. And then when we refinanced a few years ago, we went with a 15 year mortgage when we had like 20 years left on the original or something like that.

slobber · « **Reply #398 on:** May 23, 2016, 11:29:23 AM »

This got me to thinking about how much we put down on all of the houses we have bought over the years. In order:
7%
15%
30%
20%
22%

Gonna win 'em all! (using Tapatalk)

puniraptor · « **Reply #399 on:** May 24, 2016, 09:08:56 AM »

Quote from: sys on May 23, 2016, 10:26:47 AM

Quote from: michigancat on May 22, 2016, 10:27:44 PM
what % did everyone put down on their last house?

10%.

Same

Quote from: Emo EMAW on May 23, 2016, 10:29:22 AM

Quote from: sys on May 23, 2016, 10:26:47 AM
Quote from: michigancat on May 22, 2016, 10:27:44 PM
what % did everyone put down on their last house?

10%.

Same.