Closed on my first home 🍾🍾🍾

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Congrats! I close 3/31.

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Congratulations, OP. This is a major milestone, and a nice way to build equity while sheltering a portion of your income, ie the tax subsidy for interest and taxes. I hope that you chose a fixed rate, whether 15 year or 30 year.

A1 don't be Debbie Downer, lolz

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Enjoy those tax benefits

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Congrats. Hope you enjoy paying for a mortgage on a house you never live in

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@RDT is my comrade, payment is done on the side

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You don't need 20% down, P2. First misconception I had. In Chicago, you can get away with 4-5%

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Yaas kween! Lol congrats girl!!

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RDT, je ne savais pas que c'était toi! Félicitations pour l'achat de votre première maison. Woohoo!

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Thanks fam! I bought in Wicker. This won't be my forever home but i figured I might as well build equity now while rates are low. My bit of advice is to go to a mortgage brokerage (and not a bank) and begin the convo for your financial situation with a loan officer. A thousand times more helpful than any realtor. They will clear up any misconceptions

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Happy to answer any questions friends! Hopefully I can help. P2 I didn't go to a major school, I went to a commuter school so my loans are really low now, <10k. I picked an area that has high/rising rental prices. I'm going to rent out a room (maybe two) and live in it myself so the payment won't be as much of a burden. Considering I already have a roommate, having a roommate in my home isn't an issue for me. Fixer uppers aren't optimal for us since we are rarely home, so look into something turnkey. I bought off season too so that made prices a little easier

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RVP, was hoping you'd say something like "first payment due on first in rubles"

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Should any federal agencies be informed of this exchange? 😆

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Congrats RDT!

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@RDT congrats on makin moves!!! What area in Chicago?

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Congrats. Feels like a pipe dream in NY. Hello Vlad!

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House party!

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I was up-like #69. Feeling like a perv. Congrats nonetheless 🥂

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I don't recommend my realtor. From what I've heard though, all realtors kind of suck. It's okay though because between a good lawyer and a good loan officer, you'll be good. I can recommend my mortgage guy if you're interested.

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Do they look at your student loans as apart of the process?

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D3 yes they look at your debt to income ratio

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