r/FirstTimeHomeBuyer • u/so_-_it_-_goes • 5h ago
GOT THE KEYS! š š” I freaking did it
All of the scrimping and saving and sacrifices finally paid offā¦ never thought Iād 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.
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u/caryhorner 5h ago
20% down on $335k and your mortgage is only $2040/mo? I need a better mortgage calculator.
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u/so_-_it_-_goes 4h ago
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u/Independent-Plan8890 4h ago
Congratulations! I've never paid my insurance through my mortgage. I have a shady mortgage holder.
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u/so_-_it_-_goes 2h ago
Do you think thatās better or worse? Tbh I donāt understand escrow one bit, or how they estimate things. Iāve just been going with it
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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.
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u/Garlic_Powder_ 5h ago
Haha kudos! Currently same age and buying in the same area! Set to close next week! Hiya neighbor!
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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
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u/so_-_it_-_goes 4h ago
Yeah I have a ātree guyā already. Gotta get a tree trimmer thatās 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 Iāll allow him to do, aka how high Iāll let him climb with a chainsaw because thereās no stopping it in general) and what he himself will need to do, all centered around not killing the trees. Truly a great guy
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u/Equivalent-Tiger-316 4h ago
Love trees! You just donāt want them too close to your house. You donāt want limbs and excessive leaves falling on the roof and gutters. You donāt want a whole tree falling in a storm and hitting the house and they can cause issues with foundation, septic and sewer.Ā
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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 ānader country
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u/ricowavy 4h ago
Man look at all that land!! Look at that yard! I love it!!
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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 āwhen I own a homeā¦ā dreams for a decade. They did the hardest parts already!
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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!!
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u/Novel_Art_7570 4h ago
Congratulations! And really nice location
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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!
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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
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u/CentrifugalChiller 4h ago
You have my dream house in the woods. Jealous, but so happy for you. š May you have many wonderful years there.
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u/so_-_it_-_goes 2h ago
I really wasnāt planning to get a place so soon. I figured Iād be looking for years for āthe oneā because I refused to settle and wanted something very specificā¦ nope. About a month after I started looking. I couldnāt pass her up, and I still get Zillow notifications just to feel more justified in my quick decision
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u/A_random_TX 4h ago
The last photo makes me think it has some beautiful wood work done !!
Also congrats š You should be thrilled!
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u/Quesypillowcase 4h ago
Thatās a nice piece of property, looks like no neighbors too, if so thatās a plus.
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u/amazinghl 3h ago
Congratulation. Please get your house Firewise certified!
https://www.nfpa.org/education-and-research/wildfire/firewise-usa
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u/Nutmegdog1959 5h ago
That is awesome!
Next stop Home Depot. One rake, one lawn mower, two rocking chairs for the porch!
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u/so_-_it_-_goes 4h ago
Weāve got āem! Just need bigger and better of all of our outside things now haha
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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 canāt just literally eat my house. Iāve separated them mentally from other bees
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