Can I afford this house?

Answers:3   |   LastUpdateAt:2017-09-15 17:48:56  

Asked at 2012-08-06 03:43:47
I live in NY and would like to buy a home that costs about $ 399,000 . I make $ 100,000 / year (before taxes). I have some school loans totaling $ 16000 ( $ 40,000 already paid ) and am currently working on paying it. ¿ I can afford this house with a down payment of about $ 50 to 55.000 ? I also can combine with another person who makes about $ 35,000 to buy this house? I can do payments? Thank you ! (Also when I put the figures in one of those calculators Mortgage - does my monthly mortgage will be ~ $ 2800 - we can do this without feeling the difficulties and live a day?)
Answer1syrettaAnswered at 2012-08-06 03:51:48
It would be a mistake not to go to more than 2.5 times their income at the most. You get married and taxes broke up hours you would be in line foreclosure or here to write what I can do. For something more in line with your income
Answer2HoustonAnswered at 2012-08-06 04:35:48
In my state before all the lending crisis that understands that a deposit of 20 % is ideal for a down payment . You left a significant amount that is a more attractive , since they have more to lose which is why some people do not have PMI .
Not sure if they still are giving loans to people with 3% , 5 % or 10 % below, I think people who put as little have little to lose and more of a chance of defaulting on a loan. with such small amounts that you will be in a world of pain.
One thing is that you have to get the actual amount you will pay for a mortgage , a plan
impound account , especially when it comes to property taxes . What I would do !
Find a cheap studio apartment really own or rent a room , make a plan of what you need minimally to survive , then all save extra money , no newer cars , the use of any coupons! That way you can buy the house on their own.
Save more if you want, if you want to be able to pay the mortgage on the house with a week's pay and save money in case of dismissal (6 months' salary ) Save!
Answer3EvelynAnswered at 2012-08-06 05:52:47
I can probably swing depending on other bills, but will be adjusted. Never buy a house with a friend who is the best way to end a friendship. The note I can think is about $ 2000 + taxes and insurance and then the note based on the tax rate could reach as high , then I do not buy at all and you'll be looking at 4 walls lifeless
Answer4CaleyAnswered at 2012-08-06 08:35:03
When applying for a mortgage loan from your credit report will be reviewed and may be asked to provide a number of other details, such as employment records and income tax returns for the list of last years some of the assets, list of liabilities and what should your budget showing monthly living expenses so you can demonstrate your ability to pay.

With this information you and your lender will be able to determine the type of home loan and size of the mortgage right for you. In some cases , you can get a certificate of pre - approval or pre - qualified , which shows how much you can borrow so that you can buy houses at a suitable price range .
Answer5dheerajAnswered at 2012-08-07 01:45:02
If you want to ruin a friendship , buy a house together. The rest looks good, but do not go with your friend. If you want to buy and include the friend as a roommate , go for it . However, a financial relationship , especially when done three times , it will not work .

In addition, mortgage calculators do not key in insurance , taxes , trusts or other things like that. Add approximately 25% to be sure. In addition, if approved mortgage companies more than you can afford. You have to make that call. Also, consider bills utility last previous owner . So work on your budget.

Good luck . NOTHING to do with not share a wall with another person.
Answer6 Answered at 2017-09-15 17:48:56


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