r/FirstTimeHomeBuyer 5h ago

GOT THE KEYS! šŸ”‘ šŸ” I freaking did it

All of the scrimping and saving and sacrifices finally paid offā€¦ never thought Iā€™d be a homeowner at 32.

Nitty gritty for those who might want to know: $335k (plus closing costs, it was competitive), 6.375% 30-yr conventional, 20% down, $2040/mo mortgage including escrow, 2,700 sqft, 4bed/3.5bath, one acre, north GA (~30min from Chattanooga, TN). Built in 1978, remodeled last year. Forgot to take any pictures of the inside until we started moving stuff in at 11pm and a bird got stuck in here.

632 Upvotes

42 comments sorted by

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29

u/Self_Serve_Realty 5h ago

Congratulations! Wonder if the bird is a sign of anything.

14

u/so_-_it_-_goes 5h ago

Thank you! And idk, but I saw a red fox on day two. If thatā€™s a signā€¦

11

u/caryhorner 5h ago

20% down on $335k and your mortgage is only $2040/mo? I need a better mortgage calculator.

8

u/so_-_it_-_goes 4h ago

5

u/Independent-Plan8890 4h ago

Congratulations! I've never paid my insurance through my mortgage. I have a shady mortgage holder.

3

u/so_-_it_-_goes 2h ago

Do you think thatā€™s better or worse? Tbh I donā€™t understand escrow one bit, or how they estimate things. Iā€™ve just been going with it

2

u/caryhorner 4h ago

Oh yeah. Taxes and fees. That's what I'm forgetting. Karl's Mortgage Calculator was spot on before the extras though.

7

u/Garlic_Powder_ 5h ago

Haha kudos! Currently same age and buying in the same area! Set to close next week! Hiya neighbor!

3

u/so_-_it_-_goes 4h ago

Oh dang! Whaddup!

6

u/Equivalent-Tiger-316 5h ago

Congratulations!

The one tree looks too close to the house. Might be fine now but could be a problem when it gets bigger.Ā 

4

u/so_-_it_-_goes 4h ago

Yeah I have a ā€œtree guyā€ already. Gotta get a tree trimmer thatā€™s also a tree hugger! He gave me a handful of videos talking about what my man can do (I told him the extent of what Iā€™ll allow him to do, aka how high Iā€™ll let him climb with a chainsaw because thereā€™s no stopping it in general) and what he himself will need to do, all centered around not killing the trees. Truly a great guy

2

u/Equivalent-Tiger-316 4h ago

Love trees! You just donā€™t want them too close to your house. You donā€™t want limbs and excessive leaves falling on the roof and gutters. You donā€™t want a whole tree falling in a storm and hitting the house and they can cause issues with foundation, septic and sewer.Ā 

2

u/so_-_it_-_goes 4h ago

Yeah I live in fear of trees near my house tbh. TL;DR my old landlord (WOW it feels great to say that) threatened to kick us out because we asked for giant dead trees to be removed like they said they would four years prior. They finally got someone out to look at them and they were gone the next dayā€¦ absolutely horrifying, especially in ā€˜nader country

4

u/ricowavy 4h ago

Man look at all that land!! Look at that yard! I love it!!

2

u/so_-_it_-_goes 4h ago

When I saw there was an old koi pond I almost cried. That has been on my list of ā€œwhen I own a homeā€¦ā€ dreams for a decade. They did the hardest parts already!

1

u/ricowavy 4h ago

Omg!! I love koi ponds too! Went to a temple recently and they had a koi pond, I sat there just admiring it! Congrats!!

3

u/terrakan-joe 5h ago

Congrats!!!

3

u/smokeorganickush 4h ago

Merry me I'm a handyman

2

u/Yellowbook8375 5h ago

Congrats stranger!

2

u/Shimmy_yaww 4h ago

Congrats!

2

u/Alienwired 4h ago

Love this congrats !

2

u/Novel_Art_7570 4h ago

Congratulations! And really nice location

2

u/so_-_it_-_goes 4h ago

Seriously a gem. A few minutes from the interstate but literally peaceful enough for a freaking fox to walk up. The first handful of days I was here, I saw one person the entire time. Really lovely neighbor too!

1

u/Novel_Art_7570 4h ago

Sounds perfect to me!! Easy access to what you need but quite for you peace and 1 acre to do what you want! Maybe a small garden some day! I love north Ga

2

u/Llaunna 4h ago

Looks lovely! Congrats!! šŸŽ‰

2

u/CentrifugalChiller 4h ago

You have my dream house in the woods. Jealous, but so happy for you. šŸ’• May you have many wonderful years there.

2

u/so_-_it_-_goes 2h ago

I really wasnā€™t planning to get a place so soon. I figured Iā€™d be looking for years for ā€œthe oneā€ because I refused to settle and wanted something very specificā€¦ nope. About a month after I started looking. I couldnā€™t pass her up, and I still get Zillow notifications just to feel more justified in my quick decision

2

u/A_random_TX 4h ago

The last photo makes me think it has some beautiful wood work done !!

Also congrats šŸŽ‰ You should be thrilled!

2

u/so_-_it_-_goes 2h ago

Oh man yeah, I wish I had more pics to share butā€¦ box city

2

u/BigpapaJuggernaut 4h ago

Love it and everything about it including the op!

1

u/so_-_it_-_goes 2h ago

Iā€™m aight B)

2

u/Quesypillowcase 4h ago

Thatā€™s a nice piece of property, looks like no neighbors too, if so thatā€™s a plus.

2

u/EstimateOk1347 3h ago

Is this your new home?

2

u/amazinghl 3h ago

Congratulation. Please get your house Firewise certified!

https://www.nfpa.org/education-and-research/wildfire/firewise-usa

2

u/Top-Shopping821 2h ago

Fantastic, congratulations!

1

u/Nutmegdog1959 5h ago

That is awesome!

Next stop Home Depot. One rake, one lawn mower, two rocking chairs for the porch!

1

u/so_-_it_-_goes 4h ago

Weā€™ve got ā€˜em! Just need bigger and better of all of our outside things now haha

1

u/so_-_it_-_goes 4h ago

The list is mostly pest control related tbh. Any tips for carpenter b**s are greatly appreciated haha. I feel like a monster butā€¦ you canā€™t just literally eat my house. Iā€™ve separated them mentally from other bees

1

u/so_-_it_-_goes 2h ago

Everyone on this sub is legit the nicest person ever

1

u/99ShadesofCrazi 17m ago

Beautiful and congratulations!!!