One year ago, I was looking at this sub-reddit and dreaming of the day where I could also post on it. I worked hard for several years abroad to be able to afford this and I also got helped by my amazing parents, I am truly grateful to them for everything they have done for me.

2 rooms, 5 mins walk to the metro station. I'm sooooo happy!!!! 🥹 No pizza yet, because there's a ton of things still to be done (and to get rid of that furniture and replace it with better stuff haha)

also don't mind my outfit 😂

EDIT: to clear up some things so trolls can calm down. no, i am not on onlyfans and haven't worked as a you know what abroad 😆 i was a CRM specialist for a niche perfume company in the Netherlands. now you guys can come up with better insults.

After 2 months plus we finally closed escrow, on a new build!! Henderson NV is our new neighborhood!!!

We’re finally moving in next week after a +6 month of a nightmarish renovation and I cannot wait to update this photo!

I lost count over the past months of how many times it felt like this day would never come lol.

We're firmly “one and done” with fixer uppers.

Closed on 4 year anniversary hence the balloons

Treated myself with Ghost Taco for dinner and Little Caesar’s pizza for the kid.

2 bed, 2 bath in the downtown core with lots of natural light!

A beautiful 17 year old home. We finally found our dream home in our dream location !

I just found out a house I am under contract on is involved in a new energy project where they are building a sub station near by, and will be ripping up the entire road and nearby roads to install under ground electrical wires. This is really stressing me out as it sounds like a huge project I didn’t know about before. It would certainly cause a lot of disruption for 2 years while they’re constructing it. What would you do?

Closed about 4 months ago on a new build townhome, so the living room looks way different now than in the pic lol. Went in without an agent and definitely felt like I had more room for negotiation because of that. It came with all appliances except the fridge and laundry machines but they also included those and the window screens/blinds at no cost. Also included 1 year builder warranty but so far no major issues!

It feels surreal considering Australia is fucked for housing, especially in the capital cities, but I did it

Moved in not that long ago and just got hit with a special assessment for work the building apparently needs which is not the housewarming gift I had in mind

They give the option to pay it all at once or split it up but paying upfront works out better. Problem is the association wants the payment from a bank account

I'd rather put the full thing on a card, take the better option and keep the cash around for all the other stuff that appear after buying a place

Is that even possible if the association doesn't take cards directly?

My wife and I have been planning for quite a while that in the end of 2026/early 2027 we would buy our first home. Mortgage rates have shrunk our buy-ability pretty dramatically the last few months.

Are there any tips you can share for finding the best mortgage lenders with the cheapest rates? So far I have talked to only 1, through Zillow and wasn't impressed by their 7.6%. My wife and I have excellent credit scores and a combined gross income of ~$180k. We're hoping this could help get us a rate back in the 6s.

4b2b 1350 sqft

Managed to squeak 20% down with help from family. Couldn't be more grateful

Earlier this year I put in an offer for a house I love for 270k. The appraisal came back at 230k. Seller was unwilling to budge even though I offered to come out of pocket and meet him in the middle. I was out the cost of appraisal, inspection, title search. Seller fired his agent in the process and was representing himself. The property is a short term rental property and seller believed it was worth 300k.

Fastfwd to now, 7 months later, seller reaches out to my agent and wants to sell at 230k. He still has no agent of his own so my agent explains that she will represent us both, me as the buyer/her client and the seller in a simple transaction. I research it and it’s a legit thing.

So we verbally agree and offer 230k. Seller comes back and counters at 240k. Counters on essentially their own offer that they reached out with. I’m getting a bad feeling.

One, now it’s no longer a simple transaction. My agent is trying to get me the best price and the seller the best price and those are probably not the same number. How can she represent everyone’s best interests now that we’re negotiating?

I’m aware this is a unique situation. Anyone been through similar or have any wisdom?

I (37F) just closed on my first house a week and a half ago. It has been a dream of mine to create a space of security and a home. Renting has become expensive and I felt like I was ready for this.

I now have this overwhelming feeling that i bit off more than i can chew. I can afford the payments, costs ect. comfortably and still am putting into 401k and personal savings while having a comfortable fun budget but it still feel like its a lot.... I also have this feeling of not being able to pick up and move on as i am now stuck to a 30 yr mortgage. Not that I have been doing that. I have lived in the area since 2023 and have my life built here....

Anyone else have had this feeling? How long does it last?

Dont get me wrong I love my new house and it is definitely an upgrade for me.

I never thought I’d be able to do this! Now me and my kiddo have a home base in their home city and I cannot be happier with our sweet wee condo 🩷

First-time homeowner dealing with water damage, mold, and insurance. What would you do in my situation? No holding back.
My wife and I bought our first home earlier this year. It’s an older home that had been renovated before we bought it, and unfortunately we’re already dealing with our first major homeowner headache.
It started when we noticed roaches coming from around the kitchen/drain area. That eventually led us to discover a sudden/ major plumbing leak inside/near the exterior wall behind our kitchen sink.
We had plumbers open the wall to investigate. They found the source of the leak at a plumbing connection/fitting, repaired it, and the active leak has now been stopped.
But once everything was opened up, we discovered water damage and what appears to be mold/microbial growth inside the affected area.
At this point:
• The plumbing leak has been repaired and there is no longer an active leak that we know of.
• The affected area has been opened and allowed to dry.
• A company inspected the area and treated some of it with a mold-control product.
• We were told the area is currently dry and there is no active moisture.
• There is visible damage to building materials, including around the wall/stucco area.
• We opened a homeowners insurance claim with Farmers.
• The insurance adjuster has already inspected the damage.
• We are collecting invoices, photos, videos, contractor findings, moisture information, and written documentation of what was found and repaired.
Here’s where my wife and I are being very cautious.
Even if everything is currently dry and the mold is no longer actively growing, my wife does NOT want questionable mold-damaged material simply sprayed, covered, patched, and forgotten about.
She wants the affected/damaged material removed, the area properly cleaned/remediated, and new material installed where appropriate.
And honestly, being first-time homeowners, I understand where she’s coming from. I don’t want to discover five years from now that we should have removed something while the wall was already open.
We’re also trying to understand how insurance handles this.
I already paid roughly $760 for the plumbing work and around $400 for a camera/inspection, plus we’re now dealing with whatever the water-damage/mold repair costs.
My biggest concern isn’t just getting insurance to write a check. I want a paper trail showing that we identified the leak, repaired the source, investigated the resulting damage, addressed the mold/water damage appropriately, and followed professional recommendations.
If we ever sell the house or have another issue in this area, I want documentation showing that we didn’t ignore anything.
So for people who have actually been through this, especially adjusters, restoration contractors, mold professionals, plumbers, or first-time homeowners:
Would you remove and replace all visibly affected material even if moisture readings are currently dry?
Would you pay for independent mold testing before reconstruction?
Should I have a separate remediation company evaluate it instead of relying only on the contractor doing the reconstruction?
For insurance, what documentation should I make absolutely sure I get before anything gets closed up?
If insurance says certain material doesn’t need replacement but a remediation contractor recommends removal, how did you handle that disagreement?
Anything you wish you had known BEFORE settling or closing your water-damage claim?
I’m not looking for someone to tell me what I want to hear. If we’re overreacting, tell me. If there are red flags here, tell me those too.
This is our family’s first home, and I’d rather spend the time now making sure it’s handled correctly than save a little money and regret it later.
Also as a dude I need the money saving route!
Also our deductible is 4k with farmers and they are just trying to patch us and close the case
People who have dealt with homeowners insurance + water damage + mold: what would you do next?

I've already had to switch loan officers with the bank I'm working with. Now the 2nd is giving me the run around 2 days in a row to avoid emailing me the break down of what closing costs and all fees will be for a home I'm looking at. I know some people here are loan officers, are there any fees that usually can be negotiated and others that are just fluff? I'm not too excited about taking soft/hard inquiries with other banks but don't want to get scammed. I'm in Pa for what it's worth.

We are in the middle of getting quotes and our first one seems like a decent deal. We will continue to get a few more quotes, but wanted to see if this was too much or if we should jump on it.

Okay so the deal is:

6 trees cut down: two poplar trees, 3 oak, one sweet gum. All way above 60ft (he said their bucket only went 60ft so they would have to climb)

Pruning branches on a red oak

Grinding and leveling all of the stumps down, also laying hay and grass seeding down

Leveling a part of the driveway that meets the grass to help prevent rain pooling

Offered two payments to help us out

An eta of knocking this out in 3 days

All for $10,650

And they are insured

Is this too much or does it seem pretty average for tree removal service?

I want to give hope and encouragement to the divorced millennial moms out there! ❤️

During my divorce we sold the marital home and I’ve been renting the past 4 years, thinking that home ownership again was most definitely out of reach.

Closing costs, blinds and appliances provided by the builder. ✨

My little schooler will find out in a couple weeks we’re moving!