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Home buying 101 and helping guide to first time home buyers
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Home buying 101 guide
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Reply by 𝕽𝖊𝖓𝖊𝖊
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Reply by Tavish
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Reply by Junky Punky Patrick
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Reply by Jessika ʕ •ᴥ•ʔ
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Not bought a home before but been with my parents who have. 2nd understanding the land itself first coming from a place with a lot of sink holes + and we lost a bit of our property with road expansion. Knew a person who lost pretty much the entire front yard to it to!
Reply by Kass
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From what I'm learning about buying a home in Canada (Ontario)
First time home buyers you only need to save 5% for a down payment.
You can join a first time home buyer initative where the government will add another 5% for a down payment.
Go talk to your bank and talk to a mortgage specialist they can pull up your credit and you can see what you can fix to make everything look better. While you're at the bank ask them what you may be looking at for a mortgage rate.
Try to keep your credit the entire home buying time at around 650.
ALWAYS DO A HOME INSPECTION. ITS WORTH THE MONEY
remember you not only need to save for your down, but lawyer fees and closing costs as well.
The bank may tell you, you can get a house that worth x amount. Pull up a mortgage calculator, can you actually afford that mortgage on top of your monthly bills and saving?
Now if I'm wrong please correct me but so far this is what I'm seeing when I've talked to people
Reply by Ashneo
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this applies to those in the u.s. but if youre broke and want the "easiest" way to get a house it would be the military. while not appealing for many, service members can qualify for a va home loan which essentially lets you buy a home for $0 down. ik its not applicable to everyone but if you qualify to join the military its a sure fire way to get a house when you dont have other viable options.
Reply by Jeff Hardy
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Hey, totally agree that roof maintenance is something most people overlook until it's too late. I had to deal with a leaky roof last fall, and it turned into a bigger mess than expected. Ended up learning a lot about materials, especially the importance of proper shingle installation. If anyone's considering repairs or upgrades, I found some really solid asphalt shingles installers who helped me out. Worth checking them out if you’re in the planning stages—they actually explain stuff well, which made a big difference for me.
Reply by Ignesso
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Buying your first home feels like a mix of excitement and stress, trust me. Biggest tip? Don’t rush. Get your finances straight, know your credit score, and start small if needed. Also, working with the right people makes a huge difference — especially if you’re in California. I’ve heard good things about Real Estate Agents in San Diego who really walk first-time buyers through the whole process.