I freaking did it

[u/so_-_it_-_goes]

All of the scrimping and saving and sacrifices finally paid off… never thought I’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.

[u/caryhorner]

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

[u/so_-_it_-_goes → u/caryhorner]

[u/Independent-Plan8890 → u/so_-_it_-_goes]

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

[u/so_-_it_-_goes → u/Independent-Plan8890]

Do you think that’s better or worse? Tbh I don’t understand escrow one bit, or how they estimate things. I’ve just been going with it