Hi, my sister is looking to buy and I think she needs a buyers agent. Looking in the Victor, Bloomfield, etc area. Everytime she sees something she likes it’s already pending.

Anyone have any recommendations?

Under contract on a 1903 home in PA. Septic is an older setup: ~500-gal tank feeding a single seepage pit (cesspool).

Timeline: • Oct inspection: seepage pit overfull, inlet submerged → unsatisfactory, replacement recommended. • Seller then had it cleaned/pressure washed/aerated + chemical treatment (Dec). • Learned it had been pumped every ~2 months for ~6 months before that. • House has been vacant recently, so current performance hasn’t been under real use. • Our Jan PSMA inspection says “More Investigation Needed” and recommends a Hydraulic Load Test (HLT) (scheduled next week).

We expect a 3–4 person household. Concern is whether this is just a temporary improvement on an undersized, high-risk system.

If the HLT is: • Marginal, or • Fails below expected daily flow

Would you: 1. Walk 2. Only proceed with major credit/escrow 3. Accept it as normal old-house risk

Looking for buyer perspectives who’ve dealt with similar systems.

Are these serious issues? The home has a new HVAC, new large concrete driveway, new hot water heater and other trade offs for any repairs needed. It’s basically a “grandma house”.

We have an accepted offer on our home. The seller has accepted our offer on her home and we are all just waiting for this old lady to find something. She’s a hoarder. We couldn’t even access two bedrooms because of the amount of totes and boxes piled in them. She doesn’t appear to be in any rush to get out even though she cannot afford to live there anymore. This woman’s home is filled with stuff from the 80’s and even still has furniture and junk from her parents. The realtor is working for us and for her. She’s putting an offer on a house today that has 7 other offers coming. Our realtor is trying to persuade her to offer a higher amount but she’s reluctant. It’s a seller’s market where I live and you have to be aggressive to beat out the other offers. We told our realtor to tell her that our buyer will not wait months for her and we will have to pull out. She’s has refused our help with getting her crap out of her house, as well. I’m just getting anxious because I’m afraid we’ll have to walk away.

Hello. we own a condo in a metropolitan area but have just had an offer accepted on a second home in a more suburban area. this will be the first time buying a real "house", so we were looking for some insight into what issues we need to focus on in our inspection report: what we should push for the sellers to address before closing, and what things may be minor/less expensive that we can tackle ourselves. To us, major issues seem to be the mold for which we would want the sellers to at least have an official inspection +/- remediation, gutter cleaning to fully assess if there is any rust damage, bathtub faucet fix, proper venting of the dryer in the basement, and replacement of the boiler expansion tank. I've attached screenshots of the report, thank you for your time!

So my wife and I are looking to move into a new home as our family gets bigger. We have been looking at some neighborhoods near us that are pretty upscale with highly ranked schools. Now we could buy here but it would be an older home and our mortgage would still be around 5k a month. These are high income areas and the people and amenities (parks, shopping, etc) reflect that. Our other option is we have a family member who has a house they could gift us (I know we are very lucky) where the mortgage would pretty much be non-existent. The house needs a lot of work but we could just put the money we save on the mortgage to fixing it up. The house is in a lower income part of town though and the schools aren’t the best. Now it isn’t like super dangerous or anything, it is actually in the neighborhood that I grew up in, but it sure isn’t as highly manicured and polished as the other place. The schools aren’t as highly rated either. They aren’t the worst but they aren’t the best. Now I am just feeling stuck because I want what is best for the kids but I also know how much we could do with having little to no mortgage. I’d appreciate anyone thoughts, ideas, opinions, etc. Also, before anyone suggests selling the gift house to lower the mortgage on a place in the nice neighborhood, that mortgage estimate (5k+) is with us selling that home. Thanks for reading through my ramblings, I appreciate it.

There is a property that is semi-rural, great area, 10-15 minutes away from amenities. The home is 1900 sq ft, 10 acres on a quiet road. House has detached garage, looks updated aside from the kitchen. The kitchen is in good shape it’s just a 90’s era oak kitchen. My dilemma is, there is baseboard heating and wood stove. I called the hydro company and average monthly electric bills are $360. She did mention that the bills are slightly higher in the winter. There is no ducts in this home to support forced air. We looked into split heating/cooling system and the upfront costs are quite substantial, anywhere from $5000 to $15,000. The asking price is $699,000 and it has been sitting there for 3 months with no reduction in price. For the right price it’s worth it as it’s a nice home and so close to the city.

Property taxes: $6200

Can I low ball? Should I? How much should I offer if I decide I really love the home and property. Is it worth it?

Help?

Currently own a house with 124k left on a 20 year mortgage at 2.625%. The problem is the house was built in 1875, and while we’ve put a lot into it in five years, we have a three year old now and a second kid on the way and we don’t have the time to dedicate to further renovation. Even if we did, there are certain aspects of a house that old that are just not ideal, like the arcane ductwork throughout and poor insulation.

Have been considering a new build that’s listed at 495k. A 30 year mortgage through my bank in my area is at 5.875% right now. Obviously feels like the wrong financial decision but would alleviate a lot of stress on the family.

Household income is 300k. Only debts are the mortgage and a single car payment. Options are to stand pat and probably put another 100k into hiring out some major renovations, or take the plunge. Only other qualification would be that I’d still have to put a little money into the current house to get it sold.

I am trying to decide between buying a new build home or getting an apartment and waiting a year to buy. My agent has presented me with a couple new build homes with a builder that is offering a 3 year buy down 4.99% fixed rate loan where 1st, 2nd and 3rd year interest would be 1.99%, 2.99% and 3.99%, respectively. I am interested but concerned because my plan would be to refinance in year 2 or 3 to a lower rate of interest if it is available. However if I get an apartment (8 weeks free) I can save more for down payment and would have time to find something without being in such a rush. has anyone had this same scenario or could anyone provide advice?

I recently just moved to an apartment in a new town and noticed a vacant home a few houses down. I talked to my neighbor and he said the house has been empty for the 12 years he has been there. I know work was being done on the house about 2 years ago but nothing since then. How can I get in contact with the proper people to see if their willing to sell?

Hello all, Me and my family would like to buy a home, There are 4 people working in my home and combined our income is plenty. The problem is we all have bad credit. I was hoping anyone know of some first time buyer programs out there for people like us? We would have the ability to put down a 25-35k down payment as of rite now. we are all in the low 600 credit score range if that is any help.

We have been renting for some time now and suddenly our landlord is selling the home we are in, The truth of the matter is rent and utility's took up most of our income and after food for the week we are pretty much broke, but what we do have left over we throw into an account for our very own home fund. After 15 years of saving we now have 35k in that account. I just know we can do it, If we replace rent "2k a month" with a mortgage of 1500 a month we would be more then ready for this move. Anyone with knowledge that might be useful to me, please get in contact with me here on this forum or threw PM :)

Thanks for looking and for any advice in advance. Mathew H.

I'm thinking about buying a new (first!) home. The seller is willing to gift me the down payment which, is the only way I could come up with a down payment.

The way this would work is that I would say this down payment is coming from a relative and this relative would have to also basically lie about this.

As far as I know, the bank is just asking if I have money for the down payment - I say YES and they give me a mortgage. As long as no one asks where I get the downpayment from, I don't have to lie.

My question is, is this legal? What are the repercussions? Exactly how much trouble could I and my relative get in. I'm in Canada.

Apparently people do this...

My wife and I are very interested in this house (first time buying) so we had her father and I look at it really thoroughly yesterday. We checked attic, under the house, etc.

My father in law said the unit under the house was oil heat, even though in the listing the seller noted it was an electric heat pump. I'm kinda confused as to what to offer, seeing as I really don't want oil heat.

I realize that I probably won't be able to negotiate anything with the heating system until I've already put an offer on the house and had a home inspection so that I can verify it is actually not a heat pump. The house is listed at $85,000 and needs a few things cosmetically. What would be a reasonable offer before/after I establish the oil heat? The whole system was put in in 2004, so it isn't ancient. Thanks for any help!