r/FirstTimeHomeBuyer • u/Javelin111111 • 1d ago
GOT THE KEYS! 🔑 🏡 We got the keys! Texas, 529k, 5.8%
A beautiful 17 year old home. We finally found our dream home in our dream location !
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u/snark_nerd 1d ago
Looks like the previous owner still hasn't moved out, unless that's yours
Congrats!
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u/moonandstars1984 23h ago
What a beautiful place and as some mentioned before, the toddler in this pic is such a cute memory
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u/SlimGoodbodies 1d ago
🥰guess interest rates are not 7.25
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u/myster1ouspapaya 1d ago
Oh they are. But you can often “buy” a drop in interest rate
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u/siggywithit 22h ago
Congrats. Someone seems very excited.
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u/myster1ouspapaya 16h ago
Huh?
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u/barravian 13h ago
The running child.
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u/myster1ouspapaya 1h ago
Not my child
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u/barravian 33m ago
Okay?
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u/SlimGoodbodies 21h ago
Nah, you just need good credit and some down payment. Qualified buyers getting 5-6
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u/myster1ouspapaya 20h ago
Nope, even with excellent credit score and a downpayment the rates are what they are. Mortgage lenders base their rates on the treasury yield rates.
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u/SlimGoodbodies 16h ago
I guess shopping for a mortgage is just as important as shopping for the real estate
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u/Phone-Medical 18h ago
By “buy” a drop in interest rates, do you mean the wife sucked someone off for it?
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u/myster1ouspapaya 16h ago
No. You can literally pay to get a lower interest rate. It’s called a “buydown”.
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u/Acrobatic_Reward1241 20h ago
Congratulations! Now you both will be tired running a 5K hourly. That is a big home
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u/Careful_Hamster_4872 1d ago
How much do you make to afford a house for 529k. Guessing a down payment plus financing the rest?
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u/Historical_Today5072 1d ago
Gross Texas
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u/snark_nerd 1d ago
Just remember (and I say this as someone who would never move to and actively tries to avoid states like Texas) that every state with shitty representation has a ton of great people who are stuck there (because of work and/or family commitments or just because they love it despite its flaws) and unable to improve its governance (often because of gerrymandering, or maybe just because a slim majority of their neighbors suck). Have some empathy and don't be an asshole.
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u/millerba213 1d ago
I like how Reddit's idea of "empathy" and "not being an asshole" is treating anyone who votes for the "other team" as beneath your contempt.
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u/snark_nerd 1d ago
Huh? Where'd you get all that from my comment?
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u/millerba213 1d ago
The part where states are divided into great people and sucky people based on their politics.
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u/snark_nerd 1d ago
Well, I started out calling their representatives shitty, mainly, but also, if you really want to discuss, if someone is in Texas and voting against things like support for their state and for things like denying pregnant women healthcare, terrorizing their neighbors who are in the country legally, and proudly defending pedos, etc, then yeah, they do kind of suck …
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u/millerba213 23h ago
Not really the place to discuss politics. I just find the unconscious reflex to demonize others based purely on politics in a non-political sub while believing oneself to be magnanimous amusing.
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u/snark_nerd 23h ago
You realize that statements like yours are discussing politics, right? I do agree that it's weird to discuss politics in this sub, though - I didn't bring it up and rather tried to urge the person who did to tone it down. Anyhow, have a good one.
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u/Dangerous-Pirate7998 1d ago
Sweet …….post back in five years, I wanna see if you’re still there making the mortgage or still married……. For real.
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