Buying a Home can Be Hard.

Dear Payout,things may be different at different locations and different places, I mean they may vary from one country to another country, but basic needs of the Human beings remains the same.And one of them is Home the remaining two being food and clothing. Acquiring a house has been a big problem in any country in this World. I am from India, here in our language there is proverb which says 'To understand what exactly is difficulty in one's life - Just build a good house and get your daughter to a good Boy!' It is absolutely true! I have got first hand experience of getting my small house renovated in the recent past. Apart from the expenses you need to work like a donkey! Thanks to the modern builders who are coming to our rescue by undertaking this cumbersome job for us! Though they are charging a good amount for it, Still I feel it is worth it! So with this back ground of mine I can really understand your enthusiasm , anxiety and zeal about your new home. You have done your home work pretty well and worked hard to have a home of your choice. Your efforts have given you the good reward in the form of good house which you have mentioned with living Rom,Kitchen ,Three bed rooms and other nice accessories at quite an affordable price. By getting a bank loan at 3.99% interest rate is quite nice.In India we need to shell at least 8 to 9% interest in Government Banks to have house loan! I wish you and your boy friend all the best and would like to congratulate you both in advance on procuring this dream home! May God Bless You and Have a Nice time in your New Sweet Home! Thanks ![em]w00t[/em]

Hi payout, My husband and I are in the process of buying a home right now as well. It is hard to find a nice home for a good price. I guess we lucked out, we chose to go with an owner carry option. With this option, we were able to find a nice house at an awesome price. There is no way we could rent even an apartment for the payments we are getting on this house! I guess we really got lucky. Good luck to you and your boyfriend with buying your new home!

Yea... buying a house is not easy at all, fortunately I have my husband took care of it. I bet there is a lot details to have to concern about plus all the paperwork you will have to deal with.

Finding a home you want is always a hard choice. I have always been taught...never go with the first house you see, and make sure you go in each house with a paper and pencil and write down every single imperfection that you see. At least you have your boyfriends eye to help spot those imperfections. Good luck to you.

I remember when my husband and I were buying a house it was hard on us at first. You have a great loan person who believes in the both of you and is going out of her way to help you both out. I remember when my husband and I started the loan process we had a horrible loan person. She did not help us out and when the laws changed about loan approval she did not fight for us. She was in it for the money only. My husband and I ended up working with a diferent loan company and things worked out great.

I totally agree buying house can be hard. Because you have to pick which house that you want to buy and you have to fit it to your budget. Event after you have chosen the house you have to prepare for the mortgage if you don't have enough money to pay it cash.

buying a house is a huge step and unfortunately, you will never find the perfect house but at least you can get most everything you want. take your time, dont be nervous and make sure you check everything out on the house before you buy it.

it's not really hard when you have the budget and the idea of what do you like to have, one thing to consider is the proximity to all your needs like for example hospital church grocery.