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thisistaken

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SaradaChinnodu Side Hero

SaradaChinnodu

Posted
Posted
  On 11/8/2023 at 4:59 PM, thisistaken said:

Thank you for the insights bro. 

1. Savings oka 60k cash(enough for downpayment and other home stuff), 80k vested stock, 50k crypto(invested 3k back in 2017). Not putting more than 5% so that I will have cash in-hand when needed. Koncham India lo investing progress lo undi. 

2. Pacca plan chestuna bro emergency fund. Oka 6 months wife salary account lo deposit chestuna(oka 40k anukondi)

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good bro..manchi pakkadbandi ganey set chesav...all the best..

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yemdoing
yemdoing

renting is sometimes cheaper and you will get the SFH exp also. I am struggling with ~3000 mortage with single salary. AM not sure how you are saying ~5k and ~7k are affordable with downpayment o

SaradaChinnodu
SaradaChinnodu

bro, always bigger is better if you can afford and have kids. However, few things jumped at me  1) I see you are putting down 5% only - so it seems you dont have much savings in hand. May be you

Aquaman
Aquaman

is it texas? need to take account of higher property tax, as value increase a lot every year   Also, don't bank of lower rate, refinance ..prepare for worst case on rates.   j

Konebhar6 LEGEND

Konebhar6

Posted
Posted
  On 11/8/2023 at 8:32 PM, perugu_vada said:

i dont know about Dallas .. but Austin lo aithe Pulte vadu 5.75% fixed istunadu 

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Austin lo oka manchi illu 300k ki vachinappudu cheppu ba ... commit ayipotha .. 

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thisistaken Jr Artist

thisistaken

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Posted

House-1:

Closing in December. 1 storey 2535 sq ft with 4 bed, study and 12 foot ceiling in living room. Price: 628K with 5.99 rate incentive by the builder. Great lot location in the community. After down payment  EMI is around $5100 @5.99

Lot size: 7542 sqft

Estimated payment

$5,245 /mo

Loan amount $596,600
Down payment $31,400
Interest rate 5.99%
Loan term 30 years
Taxes & insurance included? Yes
Property tax 2.1 %/yr
Homeowner's insurance $1,260/yr
Mortgage insurance $378/mo
HOA dues

$90/mo

 

Final offer:

 

Last ki 620K@5.99 ki ok cheppadu builder. Lot manchi green belt degara undi. Em antaru brothers?

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perugu_vada LEGEND

perugu_vada

Posted
Posted
  On 11/10/2023 at 6:15 PM, thisistaken said:

House-1:

Closing in December. 1 storey 2535 sq ft with 4 bed, study and 12 foot ceiling in living room. Price: 628K with 5.99 rate incentive by the builder. Great lot location in the community. After down payment  EMI is around $5100 @5.99

Lot size: 7542 sqft

Estimated payment

$5,245 /mo

Loan amount $596,600
Down payment $31,400
Interest rate 5.99%
Loan term 30 years
Taxes & insurance included? Yes
Property tax 2.1 %/yr
Homeowner's insurance $1,260/yr
Mortgage insurance $378/mo
HOA dues

$90/mo

 

Final offer:

 

Last ki 620K@5.99 ki ok cheppadu builder. Lot manchi green belt degara undi. Em antaru brothers?

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inka thagginche chances unnaay .. market is not getting any better really

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SaradaChinnodu Side Hero

SaradaChinnodu

Posted
Posted
  On 11/9/2023 at 4:50 AM, Konebhar6 said:

Austin lo oka manchi illu 300k ki vachinappudu cheppu ba ... commit ayipotha .. 

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manchi illu kavala ....300k illu kavala chepu......edho okatey.....antha combo offers levu akkada

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Konebhar6 LEGEND

Konebhar6

Posted
Posted
  On 11/10/2023 at 6:38 PM, SaradaChinnodu said:

manchi illu kavala ....300k illu kavala chepu......edho okatey.....antha combo offers levu akkada

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Hehe ... vasthai .... guarantee gaa vasthai .... ranunna rojullo ... inkaa manchi combo offers vasthai ... 

Wait and watch (anta kante vere option ledanuko :D)

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gudboy Hero

gudboy

Posted
Posted
  On 11/10/2023 at 6:15 PM, thisistaken said:

House-1:

Closing in December. 1 storey 2535 sq ft with 4 bed, study and 12 foot ceiling in living room. Price: 628K with 5.99 rate incentive by the builder. Great lot location in the community. After down payment  EMI is around $5100 @5.99

Lot size: 7542 sqft

Estimated payment

$5,245 /mo

Loan amount $596,600
Down payment $31,400
Interest rate 5.99%
Loan term 30 years
Taxes & insurance included? Yes
Property tax 2.1 %/yr
Homeowner's insurance $1,260/yr
Mortgage insurance $378/mo
HOA dues

$90/mo

 

Final offer:

 

Last ki 620K@5.99 ki ok cheppadu builder. Lot manchi green belt degara undi. Em antaru brothers?

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go for it bro YOLO anthe

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SaradaChinnodu Side Hero

SaradaChinnodu

Posted
Posted
  On 11/10/2023 at 6:39 PM, Konebhar6 said:

Hehe ... vasthai .... guarantee gaa vasthai .... ranunna rojullo ... inkaa manchi combo offers vasthai ... 

Wait and watch (anta kante vere option ledanuko :D)

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lol wait chesi wait chesi weight peragatame tappa Austin lanti market lo 300K manchi illu ante...sahasa mane cheppali....

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Konebhar6 LEGEND

Konebhar6

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Posted
  On 11/10/2023 at 6:49 PM, SaradaChinnodu said:

lol wait chesi wait chesi weight peragatame tappa Austin lanti market lo 300K manchi illu ante...sahasa mane cheppali....

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Haha ... Naaku wait ledu le. I am happy where I am. Oka vela 300k ki vaste, appudu austin ki moov ayyi retire ayipotha job nundi .. Appati daaka CA lo disco ...

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SaradaChinnodu Side Hero

SaradaChinnodu

Posted
Posted
  On 11/10/2023 at 6:52 PM, Konebhar6 said:

Haha ... Naaku wait ledu le. I am happy where I am. Oka vela 300k ki vaste, appudu austin ki moov ayyi retire ayipotha job nundi .. Appati daaka CA lo disco ...

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alantidi emaina telisithey chepu...nenu teeskunta...2 houses meedha manchi rate barem adadham.....

two houses teeskuntam Amma...iche rate chepu...ani

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Konebhar6 LEGEND

Konebhar6

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Posted
  On 11/10/2023 at 6:55 PM, SaradaChinnodu said:

alantidi emaina telisithey chepu...nenu teeskunta...2 houses meedha manchi rate barem adadham.....

two houses teeskuntam Amma...iche rate chepu...ani

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Adenti nannu kalupukora ani @perugu_vada and @ARYA uncles kudaa ready to buy 2 homes each.

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Aquaman Celebrity

Aquaman

Posted
Posted
  On 11/10/2023 at 6:15 PM, thisistaken said:

House-1:

Closing in December. 1 storey 2535 sq ft with 4 bed, study and 12 foot ceiling in living room. Price: 628K with 5.99 rate incentive by the builder. Great lot location in the community. After down payment  EMI is around $5100 @5.99

Lot size: 7542 sqft

Estimated payment

$5,245 /mo

Loan amount $596,600
Down payment $31,400
Interest rate 5.99%
Loan term 30 years
Taxes & insurance included? Yes
Property tax 2.1 %/yr
Homeowner's insurance $1,260/yr
Mortgage insurance $378/mo
HOA dues

$90/mo

 

Final offer:

 

Last ki 620K@5.99 ki ok cheppadu builder. Lot manchi green belt degara undi. Em antaru brothers?

Expand  

david weekly vadu email pamputhane vunnadu.. thondara padaku... idehem proser/frisco ISD kadhu ... 600k ki you have better options in proser ISD trust me....

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