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marcijo
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Parents with CF: do you rent or own your home?
We own our house (well-we are paying on it-but it is ours!) <img src="i/expressions/face-icon-small-smile.gif" border="0"> Actually-this is our second house, our first was bought back in 1997 when we first got married.
I would say go for it-now is a great time to be buying, if you can. Totally worth it!
We own our house (well-we are paying on it-but it is ours!) <img src="i/expressions/face-icon-small-smile.gif" border="0"> Actually-this is our second house, our first was bought back in 1997 when we first got married.
I would say go for it-now is a great time to be buying, if you can. Totally worth it!
M
marcijo
Guest
Parents with CF: do you rent or own your home?
We own our house (well-we are paying on it-but it is ours!) <img src="i/expressions/face-icon-small-smile.gif" border="0"> Actually-this is our second house, our first was bought back in 1997 when we first got married.
I would say go for it-now is a great time to be buying, if you can. Totally worth it!
We own our house (well-we are paying on it-but it is ours!) <img src="i/expressions/face-icon-small-smile.gif" border="0"> Actually-this is our second house, our first was bought back in 1997 when we first got married.
I would say go for it-now is a great time to be buying, if you can. Totally worth it!
M
marcijo
Guest
Parents with CF: do you rent or own your home?
We own our house (well-we are paying on it-but it is ours!) <img src="i/expressions/face-icon-small-smile.gif" border="0"> Actually-this is our second house, our first was bought back in 1997 when we first got married.
I would say go for it-now is a great time to be buying, if you can. Totally worth it!
We own our house (well-we are paying on it-but it is ours!) <img src="i/expressions/face-icon-small-smile.gif" border="0"> Actually-this is our second house, our first was bought back in 1997 when we first got married.
I would say go for it-now is a great time to be buying, if you can. Totally worth it!
M
marcijo
Guest
Parents with CF: do you rent or own your home?
We own our house (well-we are paying on it-but it is ours!) <img src="i/expressions/face-icon-small-smile.gif" border="0"> Actually-this is our second house, our first was bought back in 1997 when we first got married.
I would say go for it-now is a great time to be buying, if you can. Totally worth it!
We own our house (well-we are paying on it-but it is ours!) <img src="i/expressions/face-icon-small-smile.gif" border="0"> Actually-this is our second house, our first was bought back in 1997 when we first got married.
I would say go for it-now is a great time to be buying, if you can. Totally worth it!
M
marcijo
Guest
Parents with CF: do you rent or own your home?
We own our house (well-we are paying on it-but it is ours!) <img src="i/expressions/face-icon-small-smile.gif" border="0"> Actually-this is our second house, our first was bought back in 1997 when we first got married.
<br />
<br />I would say go for it-now is a great time to be buying, if you can. Totally worth it!
We own our house (well-we are paying on it-but it is ours!) <img src="i/expressions/face-icon-small-smile.gif" border="0"> Actually-this is our second house, our first was bought back in 1997 when we first got married.
<br />
<br />I would say go for it-now is a great time to be buying, if you can. Totally worth it!
Parents with CF: do you rent or own your home?
If you can buy I say GO FOR IT but make sure you pick something that you are willing to stay in for 5 or more years cause the market is so bad that you will get a good deal now on it but you need to wait for the market to come back to make on the sale of it when you sell it in the future. PLUS since you are a first time homebuyer if you get a contract signed by APril 30th and you qualify in terms of your income is not too high you can get $8000 tax credit for first time homebuyers. My hubby is a loan officer for the past 11 years so if you have questions, email me! If there is equity in your home you also can take out a home equity line and that can be used for inforseen expenses you can not afford due to CF or anything else.
Good Luck and email me if you want!
Jennifer 38 with CF and CFRD
If you can buy I say GO FOR IT but make sure you pick something that you are willing to stay in for 5 or more years cause the market is so bad that you will get a good deal now on it but you need to wait for the market to come back to make on the sale of it when you sell it in the future. PLUS since you are a first time homebuyer if you get a contract signed by APril 30th and you qualify in terms of your income is not too high you can get $8000 tax credit for first time homebuyers. My hubby is a loan officer for the past 11 years so if you have questions, email me! If there is equity in your home you also can take out a home equity line and that can be used for inforseen expenses you can not afford due to CF or anything else.
Good Luck and email me if you want!
Jennifer 38 with CF and CFRD
Parents with CF: do you rent or own your home?
If you can buy I say GO FOR IT but make sure you pick something that you are willing to stay in for 5 or more years cause the market is so bad that you will get a good deal now on it but you need to wait for the market to come back to make on the sale of it when you sell it in the future. PLUS since you are a first time homebuyer if you get a contract signed by APril 30th and you qualify in terms of your income is not too high you can get $8000 tax credit for first time homebuyers. My hubby is a loan officer for the past 11 years so if you have questions, email me! If there is equity in your home you also can take out a home equity line and that can be used for inforseen expenses you can not afford due to CF or anything else.
Good Luck and email me if you want!
Jennifer 38 with CF and CFRD
If you can buy I say GO FOR IT but make sure you pick something that you are willing to stay in for 5 or more years cause the market is so bad that you will get a good deal now on it but you need to wait for the market to come back to make on the sale of it when you sell it in the future. PLUS since you are a first time homebuyer if you get a contract signed by APril 30th and you qualify in terms of your income is not too high you can get $8000 tax credit for first time homebuyers. My hubby is a loan officer for the past 11 years so if you have questions, email me! If there is equity in your home you also can take out a home equity line and that can be used for inforseen expenses you can not afford due to CF or anything else.
Good Luck and email me if you want!
Jennifer 38 with CF and CFRD
Parents with CF: do you rent or own your home?
If you can buy I say GO FOR IT but make sure you pick something that you are willing to stay in for 5 or more years cause the market is so bad that you will get a good deal now on it but you need to wait for the market to come back to make on the sale of it when you sell it in the future. PLUS since you are a first time homebuyer if you get a contract signed by APril 30th and you qualify in terms of your income is not too high you can get $8000 tax credit for first time homebuyers. My hubby is a loan officer for the past 11 years so if you have questions, email me! If there is equity in your home you also can take out a home equity line and that can be used for inforseen expenses you can not afford due to CF or anything else.
Good Luck and email me if you want!
Jennifer 38 with CF and CFRD
If you can buy I say GO FOR IT but make sure you pick something that you are willing to stay in for 5 or more years cause the market is so bad that you will get a good deal now on it but you need to wait for the market to come back to make on the sale of it when you sell it in the future. PLUS since you are a first time homebuyer if you get a contract signed by APril 30th and you qualify in terms of your income is not too high you can get $8000 tax credit for first time homebuyers. My hubby is a loan officer for the past 11 years so if you have questions, email me! If there is equity in your home you also can take out a home equity line and that can be used for inforseen expenses you can not afford due to CF or anything else.
Good Luck and email me if you want!
Jennifer 38 with CF and CFRD
Parents with CF: do you rent or own your home?
If you can buy I say GO FOR IT but make sure you pick something that you are willing to stay in for 5 or more years cause the market is so bad that you will get a good deal now on it but you need to wait for the market to come back to make on the sale of it when you sell it in the future. PLUS since you are a first time homebuyer if you get a contract signed by APril 30th and you qualify in terms of your income is not too high you can get $8000 tax credit for first time homebuyers. My hubby is a loan officer for the past 11 years so if you have questions, email me! If there is equity in your home you also can take out a home equity line and that can be used for inforseen expenses you can not afford due to CF or anything else.
Good Luck and email me if you want!
Jennifer 38 with CF and CFRD
If you can buy I say GO FOR IT but make sure you pick something that you are willing to stay in for 5 or more years cause the market is so bad that you will get a good deal now on it but you need to wait for the market to come back to make on the sale of it when you sell it in the future. PLUS since you are a first time homebuyer if you get a contract signed by APril 30th and you qualify in terms of your income is not too high you can get $8000 tax credit for first time homebuyers. My hubby is a loan officer for the past 11 years so if you have questions, email me! If there is equity in your home you also can take out a home equity line and that can be used for inforseen expenses you can not afford due to CF or anything else.
Good Luck and email me if you want!
Jennifer 38 with CF and CFRD
Parents with CF: do you rent or own your home?
If you can buy I say GO FOR IT but make sure you pick something that you are willing to stay in for 5 or more years cause the market is so bad that you will get a good deal now on it but you need to wait for the market to come back to make on the sale of it when you sell it in the future. PLUS since you are a first time homebuyer if you get a contract signed by APril 30th and you qualify in terms of your income is not too high you can get $8000 tax credit for first time homebuyers. My hubby is a loan officer for the past 11 years so if you have questions, email me! If there is equity in your home you also can take out a home equity line and that can be used for inforseen expenses you can not afford due to CF or anything else.
<br />
<br />Good Luck and email me if you want!
<br />
<br />Jennifer 38 with CF and CFRD
If you can buy I say GO FOR IT but make sure you pick something that you are willing to stay in for 5 or more years cause the market is so bad that you will get a good deal now on it but you need to wait for the market to come back to make on the sale of it when you sell it in the future. PLUS since you are a first time homebuyer if you get a contract signed by APril 30th and you qualify in terms of your income is not too high you can get $8000 tax credit for first time homebuyers. My hubby is a loan officer for the past 11 years so if you have questions, email me! If there is equity in your home you also can take out a home equity line and that can be used for inforseen expenses you can not afford due to CF or anything else.
<br />
<br />Good Luck and email me if you want!
<br />
<br />Jennifer 38 with CF and CFRD
JennifersHope
New member
Parents with CF: do you rent or own your home?
I know I am not a parent, nor am I a spouse but I felt like I could chime in here and at least give you my story.
Around here renting is as much as a mortgage. Usually with renting, some utilities are included, obviously not so when you own.
When you own, all the interest you pay on your mortgage, which is at least 90 percent of your mortgage during the early years of the loan is not taxable income.. So their is a lot of benefits to owning.
I however, highly recommend since one of you has CF not relying on the CFers income at all when factoring how much you can afford on a payment, taxes, or anything.
When I bought my home, being I am single, I decided to not go over what I could afford on half my income. I have a very nice brand new three bedroom home that I had built. Not in the ideal area of where I would chose to live now. I live in the country.
Anyway, who would have known in less then a year of buying my home, I would be so sick I couldn' work. I did not qualify for disability at work because I didn't make it the year clause for pre exsistant conditions and I am now having my parents pay my mortgage until disability kicks in.
So all that to say..if the CFer can work now, count that as extra money, money to save, but don't count on it in your monthly budget or you can end unable to pay your bills.
Good luck whatever you decide
I know I am not a parent, nor am I a spouse but I felt like I could chime in here and at least give you my story.
Around here renting is as much as a mortgage. Usually with renting, some utilities are included, obviously not so when you own.
When you own, all the interest you pay on your mortgage, which is at least 90 percent of your mortgage during the early years of the loan is not taxable income.. So their is a lot of benefits to owning.
I however, highly recommend since one of you has CF not relying on the CFers income at all when factoring how much you can afford on a payment, taxes, or anything.
When I bought my home, being I am single, I decided to not go over what I could afford on half my income. I have a very nice brand new three bedroom home that I had built. Not in the ideal area of where I would chose to live now. I live in the country.
Anyway, who would have known in less then a year of buying my home, I would be so sick I couldn' work. I did not qualify for disability at work because I didn't make it the year clause for pre exsistant conditions and I am now having my parents pay my mortgage until disability kicks in.
So all that to say..if the CFer can work now, count that as extra money, money to save, but don't count on it in your monthly budget or you can end unable to pay your bills.
Good luck whatever you decide
JennifersHope
New member
Parents with CF: do you rent or own your home?
I know I am not a parent, nor am I a spouse but I felt like I could chime in here and at least give you my story.
Around here renting is as much as a mortgage. Usually with renting, some utilities are included, obviously not so when you own.
When you own, all the interest you pay on your mortgage, which is at least 90 percent of your mortgage during the early years of the loan is not taxable income.. So their is a lot of benefits to owning.
I however, highly recommend since one of you has CF not relying on the CFers income at all when factoring how much you can afford on a payment, taxes, or anything.
When I bought my home, being I am single, I decided to not go over what I could afford on half my income. I have a very nice brand new three bedroom home that I had built. Not in the ideal area of where I would chose to live now. I live in the country.
Anyway, who would have known in less then a year of buying my home, I would be so sick I couldn' work. I did not qualify for disability at work because I didn't make it the year clause for pre exsistant conditions and I am now having my parents pay my mortgage until disability kicks in.
So all that to say..if the CFer can work now, count that as extra money, money to save, but don't count on it in your monthly budget or you can end unable to pay your bills.
Good luck whatever you decide
I know I am not a parent, nor am I a spouse but I felt like I could chime in here and at least give you my story.
Around here renting is as much as a mortgage. Usually with renting, some utilities are included, obviously not so when you own.
When you own, all the interest you pay on your mortgage, which is at least 90 percent of your mortgage during the early years of the loan is not taxable income.. So their is a lot of benefits to owning.
I however, highly recommend since one of you has CF not relying on the CFers income at all when factoring how much you can afford on a payment, taxes, or anything.
When I bought my home, being I am single, I decided to not go over what I could afford on half my income. I have a very nice brand new three bedroom home that I had built. Not in the ideal area of where I would chose to live now. I live in the country.
Anyway, who would have known in less then a year of buying my home, I would be so sick I couldn' work. I did not qualify for disability at work because I didn't make it the year clause for pre exsistant conditions and I am now having my parents pay my mortgage until disability kicks in.
So all that to say..if the CFer can work now, count that as extra money, money to save, but don't count on it in your monthly budget or you can end unable to pay your bills.
Good luck whatever you decide
JennifersHope
New member
Parents with CF: do you rent or own your home?
I know I am not a parent, nor am I a spouse but I felt like I could chime in here and at least give you my story.
Around here renting is as much as a mortgage. Usually with renting, some utilities are included, obviously not so when you own.
When you own, all the interest you pay on your mortgage, which is at least 90 percent of your mortgage during the early years of the loan is not taxable income.. So their is a lot of benefits to owning.
I however, highly recommend since one of you has CF not relying on the CFers income at all when factoring how much you can afford on a payment, taxes, or anything.
When I bought my home, being I am single, I decided to not go over what I could afford on half my income. I have a very nice brand new three bedroom home that I had built. Not in the ideal area of where I would chose to live now. I live in the country.
Anyway, who would have known in less then a year of buying my home, I would be so sick I couldn' work. I did not qualify for disability at work because I didn't make it the year clause for pre exsistant conditions and I am now having my parents pay my mortgage until disability kicks in.
So all that to say..if the CFer can work now, count that as extra money, money to save, but don't count on it in your monthly budget or you can end unable to pay your bills.
Good luck whatever you decide
I know I am not a parent, nor am I a spouse but I felt like I could chime in here and at least give you my story.
Around here renting is as much as a mortgage. Usually with renting, some utilities are included, obviously not so when you own.
When you own, all the interest you pay on your mortgage, which is at least 90 percent of your mortgage during the early years of the loan is not taxable income.. So their is a lot of benefits to owning.
I however, highly recommend since one of you has CF not relying on the CFers income at all when factoring how much you can afford on a payment, taxes, or anything.
When I bought my home, being I am single, I decided to not go over what I could afford on half my income. I have a very nice brand new three bedroom home that I had built. Not in the ideal area of where I would chose to live now. I live in the country.
Anyway, who would have known in less then a year of buying my home, I would be so sick I couldn' work. I did not qualify for disability at work because I didn't make it the year clause for pre exsistant conditions and I am now having my parents pay my mortgage until disability kicks in.
So all that to say..if the CFer can work now, count that as extra money, money to save, but don't count on it in your monthly budget or you can end unable to pay your bills.
Good luck whatever you decide
JennifersHope
New member
Parents with CF: do you rent or own your home?
I know I am not a parent, nor am I a spouse but I felt like I could chime in here and at least give you my story.
Around here renting is as much as a mortgage. Usually with renting, some utilities are included, obviously not so when you own.
When you own, all the interest you pay on your mortgage, which is at least 90 percent of your mortgage during the early years of the loan is not taxable income.. So their is a lot of benefits to owning.
I however, highly recommend since one of you has CF not relying on the CFers income at all when factoring how much you can afford on a payment, taxes, or anything.
When I bought my home, being I am single, I decided to not go over what I could afford on half my income. I have a very nice brand new three bedroom home that I had built. Not in the ideal area of where I would chose to live now. I live in the country.
Anyway, who would have known in less then a year of buying my home, I would be so sick I couldn' work. I did not qualify for disability at work because I didn't make it the year clause for pre exsistant conditions and I am now having my parents pay my mortgage until disability kicks in.
So all that to say..if the CFer can work now, count that as extra money, money to save, but don't count on it in your monthly budget or you can end unable to pay your bills.
Good luck whatever you decide
I know I am not a parent, nor am I a spouse but I felt like I could chime in here and at least give you my story.
Around here renting is as much as a mortgage. Usually with renting, some utilities are included, obviously not so when you own.
When you own, all the interest you pay on your mortgage, which is at least 90 percent of your mortgage during the early years of the loan is not taxable income.. So their is a lot of benefits to owning.
I however, highly recommend since one of you has CF not relying on the CFers income at all when factoring how much you can afford on a payment, taxes, or anything.
When I bought my home, being I am single, I decided to not go over what I could afford on half my income. I have a very nice brand new three bedroom home that I had built. Not in the ideal area of where I would chose to live now. I live in the country.
Anyway, who would have known in less then a year of buying my home, I would be so sick I couldn' work. I did not qualify for disability at work because I didn't make it the year clause for pre exsistant conditions and I am now having my parents pay my mortgage until disability kicks in.
So all that to say..if the CFer can work now, count that as extra money, money to save, but don't count on it in your monthly budget or you can end unable to pay your bills.
Good luck whatever you decide
JennifersHope
New member
Parents with CF: do you rent or own your home?
I know I am not a parent, nor am I a spouse but I felt like I could chime in here and at least give you my story.
<br />
<br />Around here renting is as much as a mortgage. Usually with renting, some utilities are included, obviously not so when you own.
<br />
<br />When you own, all the interest you pay on your mortgage, which is at least 90 percent of your mortgage during the early years of the loan is not taxable income.. So their is a lot of benefits to owning.
<br />
<br />I however, highly recommend since one of you has CF not relying on the CFers income at all when factoring how much you can afford on a payment, taxes, or anything.
<br />
<br />When I bought my home, being I am single, I decided to not go over what I could afford on half my income. I have a very nice brand new three bedroom home that I had built. Not in the ideal area of where I would chose to live now. I live in the country.
<br />
<br />Anyway, who would have known in less then a year of buying my home, I would be so sick I couldn' work. I did not qualify for disability at work because I didn't make it the year clause for pre exsistant conditions and I am now having my parents pay my mortgage until disability kicks in.
<br />
<br />So all that to say..if the CFer can work now, count that as extra money, money to save, but don't count on it in your monthly budget or you can end unable to pay your bills.
<br />
<br />Good luck whatever you decide
I know I am not a parent, nor am I a spouse but I felt like I could chime in here and at least give you my story.
<br />
<br />Around here renting is as much as a mortgage. Usually with renting, some utilities are included, obviously not so when you own.
<br />
<br />When you own, all the interest you pay on your mortgage, which is at least 90 percent of your mortgage during the early years of the loan is not taxable income.. So their is a lot of benefits to owning.
<br />
<br />I however, highly recommend since one of you has CF not relying on the CFers income at all when factoring how much you can afford on a payment, taxes, or anything.
<br />
<br />When I bought my home, being I am single, I decided to not go over what I could afford on half my income. I have a very nice brand new three bedroom home that I had built. Not in the ideal area of where I would chose to live now. I live in the country.
<br />
<br />Anyway, who would have known in less then a year of buying my home, I would be so sick I couldn' work. I did not qualify for disability at work because I didn't make it the year clause for pre exsistant conditions and I am now having my parents pay my mortgage until disability kicks in.
<br />
<br />So all that to say..if the CFer can work now, count that as extra money, money to save, but don't count on it in your monthly budget or you can end unable to pay your bills.
<br />
<br />Good luck whatever you decide