My journey with home ownership has been complicated
has been complicated. Since my husband and I got married in 2011, we’ve purchased two homes: one in 2012, and another in 2017., there probably wouldn’t have been any problems. But we took a more roundabout path.
I also wish I had known that a home with more space means buying furniture to fill it. Compared to our tiny two-bedroom apartment, our house felt like a castle, which meant we dropped a good amount of money on furnishing the rooms.When we hopped into home ownership, we wanted to benefit from cheaper monthly payments. But because we’d been spending so much of our income on rent, we didn’t have much extra to set aside for a down payment.
I only had one year, so we could only use my husband’s income for our pre-approval — which meant that even though we could technically afford a more expensive home, we were limited to purchasing one that his income would cover. Luckily, next time we buy, I’ll have several years of freelancing under my belt.I had no idea how frequently our mortgage officer and real estate agent would be in touch during the pre-approval and search process.
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