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What advice do y'all have for a first-time homebuyer?

Be sure to hire a home inspector, and one who does NOT do repairs, and does NOT make any recommendations on whom to hire.
Also, do a radon test. Some home inspectors do that, or you can buy a test kit and do it yourself. (I think)
 
Welp, I'm finally getting to the phase where I feel like I'm actually ready to start putting in offers on homes.

That being said, what's the minimum square feet of a house is recommended for having 3 large-giant breed dogs? I currently have my girl who is 45 pounds, and plan on eventually getting another dog around the size of a Labrador or Golden, and then possibly a dog the size of a great Pyrenees.
 
SultryHellhound said:
Welp, I'm finally getting to the phase where I feel like I'm actually ready to start putting in offers on homes.

That being said, what's the minimum square feet of a house is recommended for having 3 large-giant breed dogs? I currently have my girl who is 45 pounds, and plan on eventually getting another dog around the size of a Labrador or Golden, and then possibly a dog the size of a great Pyrenees.
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Depends, my dogs all have acess in and out via a doggy door, they don't need a monster house that way, though mine is. Yard size is far more important IMO, giant breeds need at least 50x50 to be able to actualy RUN in the yard.

Also consider that if you get puppies, well most giant breed puppies have a rather long "velociraptor" phase where they WILL trash the house, up to and including clawing their way through drywall.
 
Kristy said:
I'm not joking: Find out if anyone died in the house, and under what circumstances.
In some states, the realtor is required to tell you.
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Ah, yes. This is how I found out that every single woman who has lived in my house has died in the dining room. Every single one since it was built in 1912. No joke. Glad I bought it as a single gal, at least I know where I’m going to end up. Lol
 
SultryHellhound said:
That's something I'll definitely take into consideration. Where I'm wanting to purchase doesn't have an HOA, but the city itself has a limit of 3 domestic animals.

Another thing I'm worried about is saving for a larger down payment. I technically can get a zero down payment USDA loan for any house in the city, but would like to save up more. However, I'm afraid that if I wait too long, then I might get priced
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For a zero-down you may be required to have mortgage insurance. It will "fall off" when you have something like 20/30% paid down on principal. For us it added $75 to our monthly payment. It's not a lot but should be considered depending on budget
 
humptydumpty45822 said:
Ah, yes. This is how I found out that every single woman who has lived in my house has died in the dining room. Every single one since it was built in 1912. No joke. Glad I bought it as a single gal, at least I know where I’m going to end up. Lol
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Wow! Were you able to learn the circumstances of each death? I ask because, as believers in ghosts believe, it makes a difference between violent or not.
 
Although the original post has been a while, there is still a lot of good, pertinent advice and info on the thread.

A friend of mine asked her father to loan her the down payment on a house. He told her that may not work, but to try this instead: Ask the bank to waive the down payment, and tack it on the end of the mortgage. The bank went for it. Extra payments on the end, instead of balloon payment.
 
hillorian said:
For a zero-down you may be required to have mortgage insurance. It will "fall off" when you have something like 20/30% paid down on principal. For us it added $75 to our monthly payment. It's not a lot but should be considered depending on budget
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I'm likely going to go with a 3.5% down FHA loan, opens up a lot more options.
 
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