First time buyer - Page 3

Blondie76 · 11-14-2003, 10:53 AM

Quote:

Originally posted by ceo_pte
Mac & cheese... how about PB & J... That's all given you don't fall unemployed... Then you'd be selling that home... It's very serious though... I see so many of my friends & family make foolish mistakes, just to impress someone else. If you have been blessed and have enough money to go for that big house, GET IT! I'm not happy with the one I have, but at the right time I will take care of that...

I can live off PB&J

, but I don't want to have to. I'm definately not trying to impress ANYONE. I just want something nice that I can afford.

ceo_pte · 11-14-2003, 11:04 AM

Quote:

Originally posted by Blondie76
I can live off PB&J , but I don't want to have to. I'm definately not trying to impress ANYONE. I just want something nice that I can afford.

you sound smart, i'm sure you will make the right decision.

11-14-2003, 12:23 PM

Definately, so I'm hoping I can find something in a decent neighborhood, for a decent price. (That's not going so well). Does anyone live in St. Mary's or Calvert Co. and work over in DC or VA? What is the drive like? Is it worth it?

I live in Port Republic (Calvert County) and drive into DC every day. It is not too bad unless someone has an accident like today in huntingtown and shuts down 4.

As long as I am on the road no later then 5:30AM, I can drive my 50 miles to work in about and hour or less.

ceo_pte · 11-14-2003, 01:04 PM

From the St. Charles area of Waldorf, it's about 40 minutes for me to DC. That's with flowing traffic. One morning it did take me 2 hours, but that was b/c of some problems on rt. 4 and on 295... then everyone pours over onto rt. 5 and it sucks...

*Christy* ^(Premo) · 11-14-2003, 01:24 PM

Quote:

Originally posted by DoWhat
And what would be your definition of "House poor"?

I'm house poor, kid poor, just plain old poor any way you look at it.

*jazz lady* ^(Premo) · 11-14-2003, 01:28 PM

Quote:

Originally posted by Christy
I'm house poor, kid poor, just plain old poor any way you look at it.

But you're friend rich.

Blondie76 · 11-14-2003, 01:35 PM

Quote:

Originally posted by ceo_pte
From the St. Charles area of Waldorf, it's about 40 minutes for me to DC. That's with flowing traffic. One morning it did take me 2 hours, but that was b/c of some problems on rt. 4 and on 295... then everyone pours over onto rt. 5 and it sucks...

I live off Post Office Road and drive into Arlington. I leave around 5:30, if traffic is good I can get there in 40 mins or so.

Guesswho3256 · 11-14-2003, 04:07 PM

Tip #1: You're mortgage company should be able to get you a first-time home buyer deal. Either no money down, little money down, etc.

Tip #2: In order for you to not wind up house poor, subtract about 30K from the amount you were approved for. I don't think anybody can ever afford the amount the mortgage company wants to give them.

Tip #3: When using an online mortgage calculator, be sure that it includes the taxes and insurance. Most calculators only add up the principal and the interest. If the calculator you use doesn't have it, add about $150.00 a month.

Hope this helps.

*Christy* ^(Premo) · 11-14-2003, 04:16 PM

Oh! Don't buy a house with a heat pump, especially an older one, unless you want to freeze your hiney off in the winter. Don't go with baseboard heat either, unless you want to end up in the poor house.

My choice is oil heat.

*otter* ^(Premo) · 11-14-2003, 04:33 PM

Quote:

Originally posted by Christy
I'm house poor, kid poor, just plain old poor any way you look at it.

So, you're really Nomoney??

11-14-2003, 12:23 PM	#23 (permalink)
baswm Posts: n/a	DC Drive Definately, so I'm hoping I can find something in a decent neighborhood, for a decent price. (That's not going so well). Does anyone live in St. Mary's or Calvert Co. and work over in DC or VA? What is the drive like? Is it worth it? I live in Port Republic (Calvert County) and drive into DC every day. It is not too bad unless someone has an accident like today in huntingtown and shuts down 4. As long as I am on the road no later then 5:30AM, I can drive my 50 miles to work in about and hour or less.
	[ Reply w/Quote ]

11-14-2003, 01:04 PM	#24 (permalink)
ceo_pte I Need a Life Member Since: Oct 2003 Location: Waldorf Posts: 2,114	St. Charles From the St. Charles area of Waldorf, it's about 40 minutes for me to DC. That's with flowing traffic. One morning it did take me 2 hours, but that was b/c of some problems on rt. 4 and on 295... then everyone pours over onto rt. 5 and it sucks...
	[ Reply w/Quote ]

11-14-2003, 04:07 PM	#28 (permalink)
Guesswho3256 Registered User Member Since: Jul 2001 Location: Waldorf Posts: 210	Tip #1: You're mortgage company should be able to get you a first-time home buyer deal. Either no money down, little money down, etc. Tip #2: In order for you to not wind up house poor, subtract about 30K from the amount you were approved for. I don't think anybody can ever afford the amount the mortgage company wants to give them. Tip #3: When using an online mortgage calculator, be sure that it includes the taxes and insurance. Most calculators only add up the principal and the interest. If the calculator you use doesn't have it, add about $150.00 a month. Hope this helps.
	[ Reply w/Quote ]

11-14-2003, 04:16 PM	#29 (permalink)
Christy ^(Premo) Resistance is Futile Member Since: Feb 2001 Location: The Collective Posts: 18,510	Oh! Don't buy a house with a heat pump, especially an older one, unless you want to freeze your hiney off in the winter. Don't go with baseboard heat either, unless you want to end up in the poor house. My choice is oil heat. __________________ Darling, if you want to talk bollocks and discover the meaning of life, you're better off downing a bottle of whiskey. At least that way, you're unconscious by the time you start to take yourself seriously. ......Patsy Stone ABFAB Goddess It isn't difficult to make a mountain out of a molehill, just add a little dirt.
	[ Reply w/Quote ]

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