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I just have to crow! - 5/24/2011 7:31:11 AM

juliaoceania

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From: Somewhere Over the Rainbow
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The last few months I have been heavily engaged in finding a house for my mom. It has been terribly hard. She has terrific credit (over 700) but she is on a fixed income. She has been living with my brother for a couple of years, so she managed to put away a little to get into a place. The problem was that on her income it made her price range the same homes investors were after. In other words, structurally sound, but needing some light cosmetic work. Every time she found a house and tried to make an offer on it, the house was bought by a cash buyer.

My brother is getting married in July, so it was very important to my mom to find a house before his wife came to live with him. We had been running out of time, and I was starting to lose hope. I have looked at almost every house in her price range, I have seen some gross stuff, some weird stuff, and some interesting stuff (try the people that had a toilet room in their backyard with a sliding glass door on it).

Her agent told us about this program in a neighboring city where people on fixed incomes like my mother, or lower middle class incomes, can get a housing loan from the city, but the note isn't due until her first note is paid off. So basically it is like tacking on 50k to what you are qualified to purchase. This city is nicer. It has less crime... and my mom was able to get a house she really really liked because of this program.

What is in it for the city? They can keep property values up, they can fill houses with young families that are working hard to establish themselves. They are also gentrifying the neighborhood because the homes have to be kept up to a certain standard....

Anyways, I am just really thrilled because a couple of days ago her house went into escrow. Just wanted to share

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RE: I just have to crow! - 5/24/2011 7:33:02 AM

mnottertail

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Tenacity rules. Way to see it through.

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RE: I just have to crow! - 5/24/2011 7:34:10 AM

ChatteParfaitt

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From: The t'aint of the Midwest -- Indiana
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Congrats !

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RE: I just have to crow! - 5/24/2011 7:34:10 AM

juliaoceania

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From: Somewhere Over the Rainbow
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Yay!

My mom is my heart, seriously... she is the second bestest person I know after my son

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Once you label me, you negate me ~ Soren Kierkegaard

Reality has a well known Liberal Bias ~ Stephen Colbert

Great minds discuss ideas; Average minds discuss events; Small minds discuss people. Eleanor Roosevelt

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RE: I just have to crow! - 5/24/2011 7:39:50 AM

pahunkboy

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From: Central Pennsylvania
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Kind of odd- some that I know are choosing over 55 - rentals. They simply do not want to mess with yard work and maintenance. I prefer a house- tho not one that needs alot of upkeep. I like to hang in the yard and plant things.

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RE: I just have to crow! - 5/24/2011 7:46:07 AM

juliaoceania

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She has help with yard work if she needs it. It does not have a huge yard anyways....

She can buy a home cheaper than she can rent one.

_____________________________

Once you label me, you negate me ~ Soren Kierkegaard

Reality has a well known Liberal Bias ~ Stephen Colbert

Great minds discuss ideas; Average minds discuss events; Small minds discuss people. Eleanor Roosevelt

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RE: I just have to crow! - 5/24/2011 7:52:19 AM

pahunkboy

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Oh Julia- I understand. I prefer a house myself. I guess I am perplexed at some I know WANTING the over 55 rental... giving up a nice house to rent 800 square feet. Those complexes always have a ton of rules.

I am glad you were able to help your mom. I seen on TV how people dont want to rehab anymore. That suits me. My next place- I really dont want to have to redo it.

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RE: I just have to crow! - 5/24/2011 7:52:21 AM

SternSkipper

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quote:

Anyways, I am just really thrilled because a couple of days ago her house went into escrow. Just wanted to share

Congratulations and GOOD FOR YOUR MOM! I hope she enjoys every minute in her new home!

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RE: I just have to crow! - 5/24/2011 7:55:25 AM

flcouple2009

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Great news for you and your mom.

Here's all the best wishes I can muster and I hope all of the escrow and closing goes well.

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RE: I just have to crow! - 5/24/2011 8:10:35 AM

windchymes

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Way to go, Mom!

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RE: I just have to crow! - 5/24/2011 8:11:00 AM

juliaoceania

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quote:

I hope all of the escrow and closing goes well.

I think if it falls out of escrow I will go crazy. I am the one that contacts the agent, like a go-between, I am the one that goes over every listing with her.. she is really really shy and unsure of stuff like this.

_____________________________

Once you label me, you negate me ~ Soren Kierkegaard

Reality has a well known Liberal Bias ~ Stephen Colbert

Great minds discuss ideas; Average minds discuss events; Small minds discuss people. Eleanor Roosevelt

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RE: I just have to crow! - 5/24/2011 8:12:43 AM

pahunkboy

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What state did she buy in? Curious where they are paying cash for houses.

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RE: I just have to crow! - 5/24/2011 8:13:40 AM

juliaoceania

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From: Somewhere Over the Rainbow
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California..... and investors are going crazy here.

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Once you label me, you negate me ~ Soren Kierkegaard

Reality has a well known Liberal Bias ~ Stephen Colbert

Great minds discuss ideas; Average minds discuss events; Small minds discuss people. Eleanor Roosevelt

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RE: I just have to crow! - 5/24/2011 8:15:46 AM

mnottertail

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crazy up, crazy down, or crazy sideways?

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RE: I just have to crow! - 5/24/2011 8:52:38 AM

juliaoceania

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From: Somewhere Over the Rainbow
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They are driving the prices down by bidding low cash offers. The banks take these offers because they want to dump them quickly once they are on market. So a house that was selling for 75k might get a cash offer of 55k... they might turn around and sell it for 80k without doing a damn thing to the house.

There are houses worth 90k, lets say, and because the owners stripped out the appliances, the fixtures and even the sinks, tubs, cabinets, etc... they can pick the house up for about 40k... put a few grand in it and sell it for a huge profit. These people are driving FHA buyers out because the house has to pass an inspection. The banks would rather sell to a cash buyer "as is"

_____________________________

Once you label me, you negate me ~ Soren Kierkegaard

Reality has a well known Liberal Bias ~ Stephen Colbert

Great minds discuss ideas; Average minds discuss events; Small minds discuss people. Eleanor Roosevelt

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RE: I just have to crow! - 5/24/2011 9:50:14 AM

LadyPact

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Glad to hear the good news!

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RE: I just have to crow! - 5/24/2011 10:00:10 AM

peachgirl

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Congratulations. No easy feat in CA!

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RE: I just have to crow! - 5/24/2011 10:02:03 AM

mnottertail

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Oh, jesus Jules, tell me your poor old sainted mother will have cabinets, I can't take this.

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Have they not divided the prey; to every man a damsel or two? Judges 5:30

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Post #: 18

RE: I just have to crow! - 5/24/2011 10:31:17 AM

juliaoceania

Posts: 21383
Joined: 4/19/2006
From: Somewhere Over the Rainbow
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We are painting the existing cabinets

_____________________________

Once you label me, you negate me ~ Soren Kierkegaard

Reality has a well known Liberal Bias ~ Stephen Colbert

Great minds discuss ideas; Average minds discuss events; Small minds discuss people. Eleanor Roosevelt

(in reply to mnottertail)

Post #: 19

RE: I just have to crow! - 5/24/2011 11:24:51 AM

mnottertail

Posts: 60698
Joined: 11/3/2004
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And she can wash her little heinie in a bathtub?

_____________________________

Have they not divided the prey; to every man a damsel or two? Judges 5:30

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Post #: 20

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