Any ladies purchase their dream home while single? I’ve been holding off from buying my dream home thinking I’d wait until I had an SO to share this significant expense- however, I’m getting tired of holding off and I’m in a position to buy. I have emergency funds but chicken out at the thought of taking on a large mortgage solo if things were to go south. Anyone take the plunge and regretted it? Or did you wish you had done it sooner?

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I’m about to purchase my dream home. I’m single but that’s because I’m divorced. It’s a massive mortgage and the house is way bigger than I “need” but it has land and I want to get horses... to fulfill my childhood dream. 🐎 🏡

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I’m taking into consideration the proximity to my parents. I don’t have any kids and cannot have them. I just want to live near my childhood hometown and ride horses across the fields. My dad has agreed to put 20% down and I’ll put 10% down but it’s a very expensive property so the mortgage is scary big.

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If you are single and want it, I’d say go for it. Think of it this way: you will have to find a significant other, it will have to be the right significant other, and you will have to decide together on the dream home. All that adds up to a lot of time, and there’s a chance it doesn’t happen for quite a while. Do you really want to wait YEARS longer?

If you know you want it and you’re in the position to do it, do it! The SO can come after. :)

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That’s what I’m thinking too! I thought the SO would come sooner (I’m divorced actually) but I don’t think I want to wait years. I’m more fearful of the house becoming a burden/regret if future SO and I grow into different needs/locations down the line. I’ve heard of people regretting real estate purchases due to not being able to unload them or bad market conditions for selling. I think I’m just being too indecisive 🙇🏻‍♀️

I bought and have my best friend living with me for a year or so to take the pricing edge off. I'm loving it. I know I never want to get married or have kids, so my house is my own.

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Can I inherit? 😝

morgate rates are at a record breaking low right now, take advantage of it!!

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Agreed! I bank with Navy federal and have been oogling at their current rates knowing I may not see something this low again for a very long time.

For sure buy if you want to, do not wait for a man to make it happen.
I’m pretty conservative overall so I absolutely would not be comfortable taking on more mortgage than I can afford by myself (ie I would never assume that at some point a man would also be contributing to the mortgage payments). I’m sure not everyone feels like that, but what if you stay single forever (which is fine) or fall in love with a starving artist. I also in general have no interest in being house poor, I want to live my life while not having to worry about my mortgage. My mortgage is a couple hundred less than my rent was, plus since I bought my salary has gone up ~$50k so I’m very comfortable with my payments

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That’s actually a good perspectives- thanks for sharing. I don’t want to live above my means but have had a very set idea on what I want out of a dream house- I honestly didn’t consider the idea that I would remain single forever or perhaps marry a starving artist, both of which are fine but in such case I may have to re-consider how much house I really need.

Both my partner and I are young and have our own homes. We will buy together eventually but at my age it’s nice to have my own space and make my own renting income.

I say go for it, single or not! Just be cautious of the housing market right now as prices and interest rates are still falling and you can probably get a better deal in a few months (in my area anyways!)

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Happy for you!

I bought my 1st home at 23. It is paid off, and I’m still single. When I get married, my husband and I can buy another home.

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I just did this and I say go for it! I bought in my dream area and I am remodeling it. It’s kinda nice bc there isn’t a man to veto my tile choices haha. I’d recommend buying a mortgage that you can comfortably pay on your own vs it will be easier once I can split it. Oddly enough I met an amazing guy the month I closed on it. Maybe it can be good luck! Now I figure the worst that will happen is down the line I may have to decided to sell, rent, etc. I think if you buy in a good area you won’t have to worry much about unloading etc.

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That’s a good point- I know it’s all about location but I’ll admit that I haven’t focused on that part as much, perhaps I’ll compromise on my wish list for the right area so to feel more secure about this purchase. Thanks!

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Single with my dream home. Love it and no regrets.

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Do you own or rent now? Is there something between what you have now and the dream home?

I’m renting now and but no longer want to- it served its purpose as I got to live in many parts of the world, but I’m ready to settle my roots, which leads me to also not wanting an in-between bachelorette pad. I considered it for a moment but want the land and space.

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