Life with Coco and Gigi... and Jack-Jack too!

Life as a Mom, A Homesteader, A Blogger and A Wife.

Buying a house?

Bry and I have decided that since we have entered our 30's it might just be time to buy a house. Our credit sucked for a very long time because of money troubles in our 20's. We finally have our act relatively straightened out so now we want to stop renting and buy. There are a few problems though. This market crash is not helping things for first time buyers as much as you might think. Although it is a buyers market the criteria for a loan has become stricter. Also we live in NJ. A 3 bedroom 2 bathroom townhouse with about 1300 to 1400 square feet can cost 200k plus. So how do we make it work. We're not sure. It is scary as hell to think about owing someone 200 thousand dollars. Our lease isn't up until March so we have some time to figure things out but between now and then there will be many sleepless nights.


RocketGrl 4:17 PM  

I had a hard time with owing so much too. But when we compared the actual amount to pay on the mortgage each month to the amount we payed in rent, it turned out that the mortgage payments were lower. That plus the huge tax benefits got me past the dread of such a large bill.

Of course, $200k sounds like a such a bargin compared to the $350 - $700k for a townhome out here in Silicon Valley, California.

Plant Girl 7:06 PM  

Buying your first house is scary, but it's sooo much better than renting. It's great to be in a place that is YOURS.

I had to LOL about RocketGrl's comment about $200K being a bargain. You both need to move away from the coasts! You can buy a brand new 3bd, 2ba 1600 sq ft home for about $150K here. Ours is 10 years old (we bought in '06) and paid considerably less than that. ;)

Kristen 10:21 PM  

Mandy - Lucky dog! I am so jealous!

RocketGrl - We do try to bear in mind that although NJ is expensive it could be a whole lot worse. :D



About this blog

Over 8 years we have struggled through 3 IUI's, 6 rounds of IVF, several RE's, hundreds of appointments and the loss of three little angels. Now we find ourselves the proud parents of two perfect little girls and a wonderful little boy!!

Both of our girls struggle with some disabilities but that won't keep us down. Each day has it's own brand of insanity but we love it. Most days I am more monkey wrangler than mother but I do the best I can. Todays goal - getting to tomorrow.

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