Right now I'm a single mom living with my parents. I'm finishing up an accounting degree online. Next year I want to attend culinary school. Because I'd have to move out of state, I was looking at apartments in the area. The cheapest was $750 a month. I WILL NOT live with roommates because I am paranoid about the safety if my son. Anyways, I stumbled upon an add for a two bedroom house for $80,000. I used one of those mortage calculators and my monthly payment was estimated at just over $400. Right now I'm not working because I'm on a waiting list for daycare. I should be able to start working in February, and by August I could have $8,000 for a downpayment plus moving expenses. How crazy is it that I want this house? It's been on the market for about a year. I think it's because the inside is hideous, functionable, but hideous. So I'm not worried about it selling soon (or should I be?) but am I being opportunistic or delusional? I'm 20, and the thought of having mg own home paid off by 40 excites me.
You need two years of consistent employment, to be considered. You don't have that. There is no legitimate lender who would consider that. Since you are 20 and living at home, you probably don't have the credit history either. Something to be mindful of for in the future when you are considering buying a home. With renting, you know exactly what your costs would be. For example: $750 a month. That is not how it works with owning a home. With owning a home your costs increase and fluctuate - insurance payments increase, property taxes increase, and you have to pay for 100% of the maintenance. What do you mean on the waiting list for childcare? You don't expect us to believe there is no childcare available in your area? Get a job!!!Quit bumming off of mom, dad, and whoever else is paying your way!
It would appear as if you would not be qualified to purchase a property/ In order to be approved for a mortgage loan you would need to be employed for a minimum of 2 years with w-2 and filed federal income taxes to prove this 2 year employment. you would also need to provide recent pays tubs to prove current employment. The house might be in what you consider your price range. Even though this house might your price range would the house need additional money to repair so you are able to live in the property. If the house is in need of repair, where would the money for the repairs come from. Apparently you would not be able to provide this 2 years employment proof, as in your statement you indicated you would be seeking a job. Are you a professional student as you indicated you are completing and getting an accounting degree from an on line course. You now want to move to another place to start culinary school next year, thus apparently the reason for the move. It might be to your best interest to rent an apartment when you move. Of course in order to rent an apartment you would need to prove to your potential landlord or property manager the ability to pay the rent. Normally this is by having a job or proof of you having a steady income. I hope this has been of some benefit to you, good luck. "FIGHT ON"
Never exceed more than 33% monthly net for any house. Need to get pre-qualified thru a mortgage broker,
You will need an income of at least $25K a year to get a mortgage, and you need an employment history, STEADY employment history of a couple years at least. You won't qualify.
U do not quailfiy for a mortgage - simple. u need to rent. u barely will quailfiy to rent in most palces unless u put up large money in front Lewisburg have quailified Cosigners. u got lots to learn. visit a library for 'house buying kit for dummies' e. tysen total money make over, dave rasmey. both will save u a foreclosure or eviction. both will save u decades , 10000s$ in problems.
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