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buying a house at 20
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Posted by: TheeMon
how you do it?
like what do i need? i got no credit, i got a good job and loot but no credit. i can prolly get a co-signer but do they gotta have good credit or anything?
i need details ive never done this b4
Posted by: uh...ok
You just spin.
http://web.mit.edu/calvinon/www/pix/rollhouse.jpg
Posted by: redwench
dude, forget about buying a house at 20, unless you have the full purchase price in cash. no one will lend you the money, and no one in their right mind will cosign, because if you default, it affects their credit.
Posted by: shadysoldier
....sry for posting in here again , but to buy a house you need to have credit and proof you can pay.That all i know about this subject.
Posted by: justinious
He may have enough cash after that sweet job at the fireworks stand Wenchy.
Oh wait, he's a stoner. . .
Posted by: Bishop
the short answer is, no.
oh, btw justin, I made a fairly decent Iron Fist last night.
Posted by: justinious
I had to wiki Iron Fist to refresh my memory. 
Did you get the glow and everything?
Posted by: TheeMon
justin, we had building not stands... and i did save a decent amount of cash from that... and i stopped smoking weed like 2 months ago....
i got money saved but i doubt its enough for a decent down payment... houses around here go for 20k but its still alot....
i just dont wanna waste my money renting when i can buy, ya know?
Posted by: Shalome
$20,000 for a house?!?
*cry*
Posted by: Bishop
yeah, 20K for a house is sweet zombie jesus low.
of course, a roach motel in the middle of a forest is a lot less expensive than a loft downtown.
As far as saving and shit goes, get yourself a nice savings account and divert finances into it for a few years until you get a nice fund built up.
A lot of people just don't go and buy houses and cars and businesses on short term notice and there's a gottdamned reason for it.
Posted by: Bishop
Unfortunately, justin, no, I couldn't get the glow.
However, I successfully re-created Caleb, from Blood, and I'll probably give Luke Cage a shot when I go through konquest again for some mo money.
Posted by: justinious
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Originally Posted by Shalome
$20,000 for a house?!?
*cry*
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California is the place for me~
Quote:
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Originally Posted by Bishop
Unfortunately, justin, no, I couldn't get the glow.
However, I successfully re-created Caleb, from Blood, and I'll probably give Luke Cage a shot when I go through konquest again for some mo money.
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You're making me use wiki an awful lot. . .
I've never played Blood, so I don't know about Caleb. Tell me how the Big Bad Black Man turns out.
Posted by: shadysoldier
wow , wtf 20k for a house.What state you live it?
Posted by: TheeMon
shadysoldier shut up, dont post in my threads no more...
and shal, my cusin got a nice 1 br house, but its kinda small for 10k...
and bish no roaches, no major damage, just like not painted for a few years,poorly insulated stupid stuff like that that i can fix myself... and no not run-down houses, they sell for cheeper...
Posted by: Bishop
Your definition of run down and mine clearly differ.
and seeing as how shady is nothing but the latest version of you, I wouldn't get all high and mighty.
Posted by: oderus1671
all i can say is put a huge down payment on it and pay attention to the fine print and interest rates. dont just settle for the first bank that accepts you. If you have a ton of greenbacks laying around, another thing to do to build your credit is open a couple small credit cards (ANYONE breathing can get those) make a few small purchases (under a grand) and pay them off immediately. this takes a bit more time to build up. Are you in a real rush to buy a house? Also, search online for "first time buyers loans". Theres a few govt programs that can help you out there. good luck!
Posted by: oderus1671
also, be prepared for a ton of up front fees like lawyers, surveys, closing costs, ect...
Posted by: gam3r
20k for a house is very cheap. I don't know where you live, but here in Jersey you can get a piece of shit house for like 150k.
Posted by: TheeMon
gamer i live in the sticks... i gotta drive a ****ing hour to work... where i live its 90% welfare and 5.35$ is GOOD pay...
Posted by: oderus1671
yep, i used to live in the Communist State of New Jersey and can verify that all real estate located within that said Communist state are overpriced.
Posted by: shadysoldier
...wth why do I always have to shut up and why can't i post in your threads?
Posted by: Bishop
theemon's just glad everyone's picking on someone else for a change, and now he thinks its his turn to join in on the fun.
Posted by: justinious
How did Cage turn out, bish?
Posted by: Bishop
haven't gotten around to it, watching farscape season 4 instead.
sikozu is ++
Posted by: pdnielsen
Around here the typical run-down goes for about $80k and I live in a county where the residents get teased all the time about being "3-1-5-ers." It's a somewhat rural county and city slickers think we're provincial just because there are a handful of buffalo and cattle farms left. Never mind that most of Upstate is covered by the 315 area code.
Posted by: justinious
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Originally Posted by Bishop
haven't gotten around to it, watching farscape season 4 instead.
sikozu is ++
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I finally watched Pygram's episode of Lost. He doesn't look anything like Scorpius or Tarkin. In fact, if I hadn't seen the credits I would never have known it was him.
Posted by: Tecil
Thee are you sure you are not looking under Trailers/Trailer Houses in the classifieds for that 20k price?
Most places 20k wouldn't even cover the cost of the property the house was on.
Posted by: taco_fox
I'm 22 and I don't even have a desire to own a house. It just seems like a waste of money. If I had money to burn, I'd probably get a fully furnished apartment instead of using old donated furniture from family like I am now.
Posted by: 9:35
theemon you will never own a house. even if you do, we'll see a short burst of "where can i pay 20 bux a month for electricity n utilities" threads before your bank takes everything you own
as for getting a house at 20? do what i did and get a rich realtor as your father
Posted by: TheeMon
no tecil im looking in the right area... and im not sure what trailers go for...
Posted by: redwench
outside of major metro areas, and other assorted overpriced locations, a good trailer and basic house cost the same.
Posted by: justinious
Define "good trailer". It's always been an oxymoron in my opinion.
Posted by: redwench
some of the better ones are actually very nice. good insulation, appliances, etc.
Posted by: Bishop
concrete bunker 4 lyfe, yo.
Posted by: shadysoldier
I say don't buy a house till you got a career and you getting that real cash money.Also , don't' get no crappy trailer save for at least a 1 story house or more.
Posted by: TheeMon
oh no doubt, id never buy a trailer... i want a damn basement
Posted by: justinious
Quote:
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Originally Posted by Bishop
concrete bunker 4 lyfe, yo.
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Werd.
Posted by: Bishop
I have a fair aproximation of mystique going in MKA now. Getting a little sick of traipsing through konquest to pick up the money required to buy shit, but hey, that's life.
Gives me something to do with my life.
Posted by: justinious
I just picked up the Empire at War expansion. There's a new unit that basically uses captured Ewoks with bombs strapped to them as a weapon. I'm impatient to play now. Plus, the Empire gets a Death Star mk. II, Executor SSD, and an Eclipse-class SSD as new space units. http://www.forumcorn.com/corncool.gifhttp://www.forumcorn.com/corncool.gifhttp://www.forumcorn.com/corncool.gif
Posted by: Bishop
I just don't feel that the game's worth going through the effort of pirating it a second time.
Posted by: taco_fox
Quote:
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Originally Posted by justinious
Eclipse-class SSD
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This is just pointless nerd rage, but **** that thing. Two of these were supposedly built after the Empire was scattered after the Battle of Endor. What the hell. In the novels by the more respectable authors of the Expanded Universe, having a large fleet of Victory-class Star Destroyers made an Imperial warlord a force to be reckoned with. A Warlord could build an Executor-class Star Destroyer if he squandered enough resources or had control of one already built or in the process of being built during the Emperor's reign. But two Eclipse-class ships? Who the **** had the resources to build these?
It's that kind of "oh lol new superweapon out of nowhere" hack writing that made me reluctant to read any EU book that wasn't written by one of the good writers like Stackpole, Zahn, or Anderson.
Posted by: justinious
In the EAW storyline one is in construction at Kuat as the Emperor's flagship. Timeline-wise this coincides with the construction of the mk. II. Conceivably, if you really want to nitpick about the EU, there could be a prototype at the Maw Installation that could have been moved before the Jedi Academy trilogy. The only EU books I have read are Dark Force Rising trilogy, Jedi Academy trilogy, and I, Jedi, so feel free to ridicule my theory.
Posted by: Bishop
whatever you do, stay away from the new jedi order and the latest books.
btw this thread is now ++
Posted by: Cettie
Out here on our road a house with 1,640 square feet, full basement and sitting on 38 acres of land went for $18,000. Not a crappy place either. An adjoining parcel of land, 18 more acres, went for $2,100. Granted, you're 35 minutes from a city of any size but comparably speaking that's still not a bad deal. It might be worth one's while to check and see which pieces of property in an area are either being forclosed upon by a bank or are being sold for back taxes. Downtown, a 35 room mansion owned by a former US Senator, sitting on 40 acres, went for $28,000 which was the amount of back taxes owed. My own mortage payments were considerably less than rent payments and the house is mine.
Posted by: taco_fox
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Originally Posted by justinious
In the EAW storyline one is in construction at Kuat as the Emperor's flagship. Timeline-wise this coincides with the construction of the mk. II. Conceivably, if you really want to nitpick about the EU, there could be a prototype at the Maw Installation that could have been moved before the Jedi Academy trilogy. The only EU books I have read are Dark Force Rising trilogy, Jedi Academy trilogy, and I, Jedi, so feel free to ridicule my theory.
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I suppose it's possible for a prototype to have been in construction, but if that's the case then anyone could just dream up any exorbitantly powerful or expensive superweapon that doesn't resurface for some reason for 50 years. Sure, Tarkin had a superweapon think tank in the Maw Installation, but I have a hard time believing a fraction of them ever got built, including the Eclipse.
Posted by: TheeMon
see cetties right on it... im 45 mins from a big city... 20 mins from a city with like 5000people... shits cheap around here...
btw cettie acres go for around 4k a acre here just fyi
Posted by: justinious
Quote:
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Originally Posted by taco_fox
I suppose it's possible for a prototype to have been in construction, but if that's the case then anyone could just dream up any exorbitantly powerful or expensive superweapon that doesn't resurface for some reason for 50 years. Sure, Tarkin had a superweapon think tank in the Maw Installation, but I have a hard time believing a fraction of them ever got built, including the Eclipse.
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IIRC, there was a Death Star prototype hidden in the Maw. It was basically a skeleton, but its Superweapon was operational. Also, wasn't the original Star Destroyer design developed there? So, if the Eclipse-class was developed according to the timeline suggested by EAW, and if the Emperor followed Tarkin's example and had a "skeletal" prototype in the Maw, and if the nearly completed Eclipse was used as a template to flesh out the prototype, and assuming both ships were able to make it safely to wherever, it's possible to have 2 operational Eclipse-class SSDs within 50 years of the fall of the Empire. I'd bet the warlord probably cannibalized several (thousand) Frigates of various design to do it.
I wish I had thought of it first, I could have made a mint as a hack writer for the EU.
Also, now I'm going to have to go read the EU databank and wikipedia to get some context about all of this. I choose to blame you. So, thanks ******. 
Quote:
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Originally Posted by Bishop
whatever you do, stay away from the new jedi order and the latest books.
btw this thread is now ++
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I quit reading EU books when I saw there was an actual Star Wars section between Dragonlance and Forgotten Realms at the local bookstore. There is a ludicrous amount of craptastic novels. Oh, fyi, this thread gets 20 extra cool points because I'm watching RotJ on Cinemax as I write. 
Posted by: AltronHGX
I had a funny dream today and I thought it'd be funny if I started a town in Idaho called Yudapymp.
Posted by: Bishop
wow domino's got expensive all of a sudden. three pizzas for $15, or one and cinnamon sticks for $17.
Is there a cinnamon shortage or what lol
To be fair, a good deal of the EU stuff is pretty good. There are good moments, but there is also a lot of "meh, bleh, heh, weh."
My problem with the new jedi order is that they release 25 or so chronological books and start killing off people and planets with reckless abandon, and it's always the same shit with the jedi knowing wtf to do and the council and senate going 'no wait lol let's do this oh no shit we ****ed up we're dying here help us oh thank god you saved us you ****ing asshats why'd you go and do that for we're going to hate you now kthx bye' over and over again.
Although there are some cool moments with palleon ripping shit up, palleon is ++ in my book (get it loller)
And this whole new legacy of the force stuff is stupid. luke's running around trying to figure out what daddy was up to back in the day while jacen goes vader on everyone and starts busting an emperor on luke and mara's son, oh yeah there's also time travelling and other stupid shit but the one book about boba fett is pretty cool cause he's like "lol I'm 90 and I'm dying but I can stilll kick all of your asses haha noobs"
oh hey my pizza's here now.
Posted by: Tecil
Quote:
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Originally Posted by AltronHGX
I had a funny dream today and I thought it'd be funny if I started a town in Idaho called Yudapymp.
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Since I'm already here I'm going petition one of the framing towns outside Boise to change to that. I'll tell them its a local Indian tribe or something.
Posted by: Cettie
Quote:
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Originally Posted by TheeMon
see cetties right on it... im 45 mins from a big city... 20 mins from a city with like 5000people... shits cheap around here...
btw cettie acres go for around 4k a acre here just fyi
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Land here goes for between $400 and $1,000 an acre depending on location and timber. A person here can be a property owner if it's done the right way and you look before jumping into things.
Posted by: mlbz420
you need a credit score of at least 500. at least 3 trade lines over 12 months shown on your credit report. 20% as a down payment. a debt to income ratio of 40% or less. 12 months of bank statments. employment history for the last two years. residence history for the last two years. etc.. etc..
your debt to income ratio is all your monthy recuring expenses like car and credit card payments( not utilities etc.) added to your expected monthy mortgage payment divided by your monthly income. if that exceed 40% you chances are slim.
trade lines are credit accounts reported on your credit report. car loans, credit cards, student loans, etc. anything you make payments on. you need at least three in the last 12 months.
if your willing to pay a broker 3-10 thousand dollars to shop your credit around you may get lucky and get around the low credit score.
your best option is to get your score above 500 and try a company like greenlight financial, you know 8-6-6-66- faster youve got the greenlight!!!! they have favorable rates, are a direct lender and have zero upfront costs. all appraisal, title, flood certs, etc. are all included in the "green fee" which is either $395 or $995 depending on the loan package, they even send a notary to your house to sign the loan papers. then the green fee is added to the loan amount so you pay zero up front. you can also apply be aproved and even sign the loan documents and still cancel for any reason at any point without any obligation. you are limited to three days after signing the loan documents though, and that part holds true with any home loan because of a federal "right to recision act" but with any other company tou will loose any upfront fees you have already paid
Posted by: Bishop
Or, you know, just buy it outright.
Posted by: TheeMon
yeah my only option now is to save like a mofo and check into govn. auctions/forclosures
btw /end thread
or continue on your derailment but my part is /ended
Posted by: justinious
Hey Thee, copy and paste the next line into your sig to replace the one you have now.
Code:
It's Thanksgiving. Some people bake pies, we bake ourselves! -Kelso from "That 70's Show"-
It has annoyed the shit out of me for ages.
Posted by: TheeMon
happy?
Posted by: justinious
Yes!
And I got you to post in this thread again. 
Posted by: Bobaroo
Ahh thee, you are crazy. Why do you want your own house at the age of 20? It takes a huge responsibility. If you want to live on your own find a place to rent.
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Originally Posted by gam3r
20k for a house is very cheap. I don't know where you live, but here in Jersey you can get a piece of shit house for like 150k.
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Where you in Jersey do you live? Because you will have to add another zero onto that in my area.
...best thread in awhile!
Posted by: TheeMon
thx bob...  but no i want to own the thing kuz i dont wanna waste my money on renting something... that rent that i would pay could be the morage payments...
Posted by: oderus1671
owning is definitely a wise choice. even if its a crap box of a house, with a little maintanance and fixing up, just sell it a few years later and make a few bucks. unless they put a toxic waste dump next door or you let the house fall apart, the value will only go up. kudos to you for wanting to own your own home.
and renting opens up pandoras box to problems with landlords, especially being 20 years old. when i was 20, we were know to have a party or two, and being that i was renting, i had to pay out the ass for that hole in the wall that closely resembled the exact size of my head. sooo many security deposits were lost in the road to home ownership in my case.
Posted by: Bishop
no, don't sell.
Posted by: TheeMon
yes, rent it after u buy a bigger/better house.... or sell if you move far away/get good offer/dont care
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