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Quick update. The couple that owns the house now counter-offered at $192,000 and no washer and dryer (a $3,000 pair or so) and we accepted. Why someone would bother to risk offending someone for a measly thousand bucks is beyond me.

The house Carey and I are interested in came on the market on Monday at $194,900. We saw it on Thursday as part of a five-house tour, though we left off one house that didn't look appealing and cut other visits short after seeing the house we liked. The house is in a nice little […]

Carey and I put an offer in on the house we're interested in. Not the first one, again, but the second one. I'll draw up a floor plan and some other things later. We'll know by tomorrow at 5pm what the deal is. Wowee!

A listing came up on Monday, and Carey and I added it to the list of houses we wanted to see today. We looked at one house, then visited the new one. It may be our future home. It's nearly 2000 square feet with only six rooms. A front "playroom," a massive family/living room, a […]

The search goes on. Carey and I are very particular, but we've come up with a list of particulars for the house we'd like. Something in regions 5, 6, or 7 (Millcreek school district) Close to Walnut Creek Middle School is preferred One- or Two-Story; No split-levels An open floor plan $160k to $200k No […]

Here are the numbers, assuming a $180,000 house, 6.875% interest, and a 30-year loan. Property taxes excluded from calculations. BTW, every "mortgage calculator" for Mac OS X absolutely sucks. I did this with some online tools at bankrate.com. $180,000, 6.875%, 30 years Monthly + $50 + $100 Interest 0% Down $1183 10/31 02/29 $245,906 5% […]

So, someone made an offer on that house we were considering. I really like the house and want to put in an offer as well. Carey's still very much on the fence about it. Thing of it is: we have an hour to decide. If you look at it one way, we have nothing to […]

In no particular order: Rent history has little or no bearing on a mortgage. You could pay $1500/month in rent and apply for a mortgage that costs $1000/month and it won't matter one bit. Paying rent does not positively affect your credit rating. Making $1500/month payments for five years won't matter. But if you slip […]

Carey and I toured a house we found online earlier today. Yesterday, just kind of goofing around, we found the house online and called the agent right away - the house looked great online. Today, the real estate agent was 10 minutes late and couldn't bother to call - real nice first step. The house […]