Home Buying W/o Gc Risks

[andhravodu]

naadi kaadu but wife job stable...

 

HOA takkuve ... property tax is around 700/month but adi taxable income lo ninchi tagguthundi antaru ga

 

8.5k property tax ayite 500k house man

 

anyway, mortgage + tax payments annee kalipe aa 3k lo vastayi. 30yr loan mathram teesukoku, 15yrs only

[Hmm]

f-1 lo unnaudu kuda konachu

@3$% nenu adigindi risks gurinchi uncle 

[Hmm]

PT 700/month is too much man. But depends upon area.
I dont know abt that returns. Wait for experts

 

PT edayina website lo chudacha? entha annadi 

[andhravodu]

30yrs loan bro...

Home 500K 

Down 50K

loan   450K 

 

antey inka thakkuva EMI paduthundi antava?? 

 

 

also ARM 5 yrs (3.35% apr approx ga) loan best aa?? or 30 yrs (3.99 apr approx ga )best aa?? 

 

30yrs loan lo nuvvu kattedi, first 12yrs majority interest ki poddi

 

kakapote ee advisors cheppedi, aa interest, property taxes annee nee taxable income lonchi deduct cheyochu, rent ayite cheyalevu ani.

 

but okati, nuvvu cheppedi choostunte, major city lone unnatlu unnavu. market akkade bagundi, jobs annee akkade unnayi. dare cheste teesukovachu.

 

15yr loan ayithe, you will pay 6/700 extra a month, but interest chala takkuva kadatavu.

 

30 years lo kooda konochu, salary increase ayyaka refinance cheyochu 15yr term ki

[ARYA]

mee andari encouragement unte pakka ga

property konatam eppatikaina manchide man..but the thing is make sure you are not buying it in the peak..

[k2s]

@3$% nenu adigindi risks gurinchi uncle 

nuvvu decide ayinava first konali ani....?

leda DB lo janalu etta septhey atta follow ayitha antava ? 

[zoloto]

PT edayina website lo chudacha? entha annadi

Ya google it. Also you can ask your realtor.

[andhravodu]

property konatam eppatikaina manchide man..but the thing is make sure you are not buying it in the peak..

 

cities la no such thing as peak. left right sale avutunnayi even mid-range cities lo kooda

[k2s]

take 30yrs loan..... pay 20% to avoid PMI..... every 6months ki 10% ala kaduthu poo..... after 2-3 yrs go for re-finance thats it

[andhravodu]

take 30yrs loan..... pay 20% to avoid PMI..... every 6months ki 10% ala kaduthu poo..... after 2-3 yrs go for re-finance thats it

 

dabbulu unte, aa bhayya kattevadu ga already

6 months lo 10% kadte, 100+10% appudu PMI reset ayiddi gada vunkle adi better ee buddodi ki

[k2s]

dabbulu unte, aa bhayya kattevadu ga already

6 months lo 10% kadte, 100+10% appudu PMI reset ayiddi gada vunkle adi better ee buddodi ki

your EMI stays same.. just principle amount increases by PMI amount and interest decreases.

[Hmm]

30yrs loan lo nuvvu kattedi, first 12yrs majority interest ki poddi

 

kakapote ee advisors cheppedi, aa interest, property taxes annee nee taxable income lonchi deduct cheyochu, rent ayite cheyalevu ani.

 

but okati, nuvvu cheppedi choostunte, major city lone unnatlu unnavu. market akkade bagundi, jobs annee akkade unnayi. dare cheste teesukovachu.

 

15yr loan ayithe, you will pay 6/700 extra a month, but interest chala takkuva kadatavu.

 

30 years lo kooda konochu, salary increase ayyaka refinance cheyochu 15yr term ki

 

Chicago west suburbs bhayya... 

 

yeah nuvvu cheppina concept ardamayindhi... but ippudu 10% down ichi konte 1 - 1.5 yr paatu 3K/mnth ok... nuvvu cheppina 6/700 ekkuva pay cheyyalenu... maybe oka 2 yrs taruvatha cheyyagalachu... 

 

Uncle Scrooge cheppinattu may be will try to refinance after 2-2.5 yrs.appudu may be 15 yr loan ki... ippudu 30 yr loan teesukuni... 

 

alaney 5yr ARM loan meda opinion cheepu pls...

[Hmm]

nuvvu decide ayinava first kanali ani....?

leda DB lo janalu etta septhey atta follow ayitha antava ? 

75% decided uncle... last lo vuguthunna.... 

 

koncham push kaavali anthe....  @3$%

[Hmm]

take 30yrs loan..... pay 20% to avoid PMI..... every 6months ki 10% ala kaduthu poo..... after 2-3 yrs go for re-finance thats it

good idea.... 5 yr ARM loan meda kuda mee opinion cheppandi 

 

20% pay cheysey antha ledu... 10% cheydam ani... may be next yr ending unte will pay all that lumpsum ... 

appudayina kuda can get rid of that PMI from then on kadaa... 

 

motham bank kaali cheyseyadam enduku ani.... 

[k2s]

75% decided uncle... last lo vuguthunna.... 

 

koncham push kaavali anthe....  @3$%

:buttkick: 

 

three pushes ichaa. chala ?