looking at houses

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#1
After being college students and then apartment bound for a few years we are finally ready to start looking at houses. I'm so ready to be done living in an apartment. The neighbors have been nice enough, but the stupid rules, plus fees on top of fees. No thanks.

Today we're looking at 3 houses and I think we're looking at like 15 over the weekend. I'm bringing my digital camera to take pictures so I can try to keep them all straight. Any helpful tips?

Here's hoping we find something and I can finally get a puppy.


Please excuse typos, I'm on my phone.
 

Fran101

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#2
Get a home inspector to look over the house before you buy it. Not only will it let the realtors know you mean business.. but they will let you know how much you SHOULD be paying, what needs to be fixed, potential problems etc.. so you won't have to deal with surprises later

Other than that, take pictures, take lots of notes and have fun!! and report back with details!! lol

Oh and find an area with a good school system. Even if you don't have kids or want kids. Good schools means your house will sell better later if need be.. and good schools also usually equal better neighborhoods
 
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#3
I didn't know you could sell a home without an inspection?? I mean I know you CAN but you have to sign waivers and such. Around here agents assume you will have an inspection. My mother and grandmother have been in the real-estate business for years and it's standard around here to have an inspection before closing on a house. It's unheard of not to.
 

Beanie

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#4
Most banks won't agree to a loan if you don't get an inspection, yes.
Open cabinets. If somebody is living in the house, expect to see a bunch of stuff in the cabinets under a sink. If those cabinets aren't full of crap, the sink leaks and they know it. Look at EVERYTHING. Be nosy, LOL. Open closets! Keep an eye out for things like ant traps, roach motels, mouse traps... not seeing them doesn't mean there's not a problem, but if you see one, you know right away there's an issue with creepy crawlies.

Definitely take pictures, take a notebook and take notes on what you like and don't like so it will make it easier to sit down and compare later (especially since you're looking at so many in one go! 15! Holy cow!)
 

Red.Apricot

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#5
I second getting your own inspection.

Also, I found it helpful to have a list of needs and a list of wants--I haven't actually bought a house, but my dad wanted a rental property to rent to me until I'm done with college, so I was involved in the process.

I took the listing for each house and wrote down the major stuff that needed to be done (new fence, dead plants pulled out, carpet worn out, repaint everything) for that house, and the things I loved (large kitchen, door to yard from master bedroom, two bathrooms, etc). That way later I could remember.
 

Fran101

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#6
I didn't know you could sell a home without an inspection?? My mother and grandmother have been in the real-estate business for years and it's standard around here to have an inspection before closing on a house. It's unheard of not to.
You can certainly buy one without getting an inspector lol I've heard of it happening A LOT.. people don't want to bother with the expense when they are buying a house, or think they can look around and inspect the place themselves..

Usually, the responsible way, people sign the contract and their is a clause saying that the sale doesn't become final until they get the results from THEIR home inspector on the house.

So the house might have been inspected by the sellers. but the buyer getting another inspection I believe is optional.
 

Jules

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#7
If you go see a lot of houses, make a list. Write down all the positives, negatives, and then place the houses on a list from 1-5. If the house doesn't make it in the top 5, forget about it. That helped us immensely. Otherwise you end up with notes from 35 houses and won't really remember which one you liked better than the other.
 
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#9
Thanks guys. Keep them coming! A home inspection is a definite. No questions there.

I like the idea of listing them 1-5 and tossing everything else.

HOAs are definitely on the 'deal breaker' list.
 

AdrianneIsabel

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#10
Avoid HOA's at all costs lol. I learned that one the hard way.
hell yes.

Actually I would still re-buy this home HOA and all but they can be a pain in the ass. Right house, right price meant live with HOA, I appreciate certain aspects but loathe others.

Keep an open mind. I fell in love with a house in a less than ideal neighborhood while Denis saw the potential in this house in a great neighborhood. I later learned how perfect this one is for us right now and I'm glad I didn't dig my heels in.

That is all. :)

Oh and avoid short sales, they're riddled with heart aches.
 
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#11
Here is what we discovered with the home inspection. There is a BIG difference between "pass" and what I would consider working.

Our house passed, no potential issues or problems yet within a couple months we were struggling and replacing bad plumbing, broken things, etc, that had been that way when we bought it. We wish we had grilled the inspector item by item and gone through the house with him. (For instance, the heater that was newly installed was installed incorrectly. We did not know until 6 months later when we tried to fire it up and the whole house smelled like propane)
 

Beanie

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#12
Here is what we discovered with the home inspection. There is a BIG difference between "pass" and what I would consider working.
There's also a big difference between a good inspector and a bad one.

Get a recommendation for your inspector. If you don't have a really good relationship with your realtor and a lot of trust with them, don't count on them to give you a recommendation. Ask friends and co-workers locally who they had do their home inspection and if they would recommend them.
Also, find out if a mold inspection is required in your state - in most states, it's not. So you will either have to find an inspector who is also properly certified to inspect for mold or get a different inspector for that.
 

Shai

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#14
Right there is a difference between an inspector who is just making sure the house doesn't break code, and one who's going through everything to assess it for wear, make recommendations for replacement schedules, etc.

If it weren't for our inspector we would not have known the water pump was at the end of its life, for instance. That was a over $1k right off the bat but we were prepared. We have a septic system and had the former owner have it cleaned and a minor repair done on it before we moved it...a repair we would not have known was needed (it wasn't causing problems yet).


Other wise, yeah as people have said just stay organized (notes, picture albums by address, etc). It's amazing how fast houses can blur together when they start piling up.

Get pre-qualified for your loan. Don't use it as your cost guideline...crunch your own numbers and decide what you are comfortable spending, which will likely be less than the bank approves, even now. But being pre-qualified helps in negotiations sometimes as it gives the sellers confidence that you aren't just blowing smoke...and can speed up the process.

Keep season of year in mind. If it's a dry time of year, consider water paths during wetter seasons. Even if you aren't in a flood zone, the property could have grading issues that result in long-term swampiness after a rainstorm. And grading can be a pain to fix.

There's probably more but so much varies by regions...the more people you can talk to who've bought/sold in your area of interest the better. And don't be afraid to talk to neighbors! I am *terrible* about this but fortunately hubby is just find with walking up to houses and chatting with people who live around the house of interest. It's amazing what you can learn about the area, the house's history, and other relevant quirks.
 

~Jessie~

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#15
Make sure to factor property taxes into the equation as well. For instance, if you are looking to spend under $300k on a home because you're expecting a $2000 a month mortgage payment, take a good look at the property taxes on each home! If property taxes on one home are $5k a year and the house is $300k versus a $300k house with $2k a year in property taxes, the monthly mortgage payments are going to vary drastically!

And like everyone else has said, make sure you use a home inspector that you trust.

Also, I'd recommend a home warrantly. The sellers of our home paid for the first year of ours, and it's come in handy more than a couple of times! We've renewed it the past 2 years and it's definitely paid for itself.
 

Red.Apricot

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#16
Ohohoh do a drive by at different times/days of the week. There was a house we looked at that was cute, cheap, and in a great location, but we realized that the neighbors were LOUD at night. We never would have known if we'd just visited during the day.
 
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#18
Make sure to factor property taxes into the equation as well. For instance, if you are looking to spend under $300k on a home because you're expecting a $2000 a month mortgage payment, take a good look at the property taxes on each home! If property taxes on one home are $5k a year and the house is $300k versus a $300k house with $2k a year in property taxes, the monthly mortgage payments are going to vary drastically!

And like everyone else has said, make sure you use a home inspector that you trust.

Also, I'd recommend a home warrantly. The sellers of our home paid for the first year of ours, and it's come in handy more than a couple of times! We've renewed it the past 2 years and it's definitely paid for itself.
Don't worry, we've definitely taken property taxes into account. Taxes here are $5K plus. :yikes:
 

Fran101

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#19
Ohohoh do a drive by at different times/days of the week. There was a house we looked at that was cute, cheap, and in a great location, but we realized that the neighbors were LOUD at night. We never would have known if we'd just visited during the day.
THIS!!

do not be afraid to do a drive by, drive around and look at neighbors, drive by at night, weekends..

My mom goes so far as to knock on neighbors doors and ask if they had seen her lost cat (this cat does not exist. btw.) just to see if the people are nice, clean, friendly, not crazy..

"Oh hi, we just can't see to find our cat! We live close-by.. he is all black and white.. we were going to put up signs around this neighborhood. My daughter wants to go knock on some more doors and ask around, are people in this neighborhood friendly? would it be safe would you think?"

You get all kinds of answers from "oh goodness! we have a cat too! What's your number? We will call you if we see him! Everybody in the neighborhood is really nice!"
to.. mean crazy folk.
 
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#20
THIS!!

do not be afraid to do a drive by, drive around and look at neighbors, drive by at night, weekends..

My mom goes so far as to knock on neighbors doors and ask if they had seen her lost cat (this cat does not exist. btw.) just to see if the people are nice, clean, friendly, not crazy..

"Oh hi, we just can't see to find our cat! We live close-by.. he is all black and white.. we were going to put up signs around this neighborhood. My daughter wants to go knock on some more doors and ask around, are people in this neighborhood friendly? would it be safe would you think?"

You get all kinds of answers from "oh goodness! we have a cat too! What's your number? We will call you if we see him! Everybody in the neighborhood is really nice!"
to.. mean crazy folk.
That is the best thing I have ever heard, ever.



Of course, the house we like doesn't have neighbors....
 

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