Posted in Adventure, Housing, Moving

Help! We Accidentally Bought a House..

Hello everyone!

We are buying a house!

When we moved here, my husband and I were given two weeks to find a place to move into. We did and so far I don’t really care for the apartment we are currently in for a number of reasons. This post won’t be a list of reasons why I don’t like where we are currently living, it will serve as an informal First Time Home Owners Guide on How to Buy a House.

Step 1: Have a conversation with your partner. Here is how the conversation between my husband and I roughly went.

Husband: “Do you think we should buy a house?”

Wife: “Not really. I thought we wanted to move again in a year or two?”

Husband: “We do, but our rent currently costs more than a mortgage payment would, so do you think we should buy a house?”

Wife: “I guess if it will be cheeper, sure!”

Step 2: Go buy a house. We spent about a month or so trying to figure out how to buy a house before we realized we didn’t know what we were doing. Then we gave up and hired a relator.

Step 3: Tour all the houses your relater picks out. This is the most fun part because we would mostly just hem-and-haw about the housing options.

Step 4: Go to the bank. We had to do this because I realized that my husband was actually serious and not joking about wanting to buy a house.

Step 5: Settle for a house that is actually in your price range. We looked at a lot of houses that we could afford that needed a lot of work, but there were also some good ones. So we ended up picking the best most affordable one and its actually a pretty good house.

Step 6: Panic because you don’t have enough for the down payment and closing costs. My husband and I did this for about a week before we realized that we had enough money because people gave us money at our wedding and we had already been saving up to buy a house.

Step 7: Make an offer on the house. This was pretty complicated so unfortunately I have already forgotten most of the important things you are supposed to do during this part of the home buying process.

Step 8: Go to the bank a lot more. We ended up going to the bank a ton because there is a lot of paperwork and its hard to get everything done in one bank appointment.

Step 9: Have a home inspection and get your house appraised. I don’t really know how to explain what those things are, but they’re important so we did them. We learned that our house is livable and expensive.

Step 10: Realize that you need home owners insurance. This step made my husband and I a little nervous because we sort of forgot we needed it. But we found some pretty affordable quotes and everything ended up working out.

Step 11: Keep going back to the bank a lot. I think banks like paperwork and somehow they always seem to always have more no matter how times you’ve previously gone in.

Step 12: Move into your new house. Even though we haven’t moved in yet, I am not looking forward to this. I forgot how much work it is to move and how exhausting it is to unpack everything.

Step 13: Adopt a dog or a cat. This is probably the most important step in the home buying process because everyone needs a dog or a cat. We currently live in a pet free apartment so I cannot wait to move so we can adopt a puppy, dog, cat, or maybe all three!

Step 14: Live happily ever after! Or at least live happily ever after until you decide to move again.. We probably will end up moving again sometime in the next 5 to 10 years but I secretly am hoping that we don’t because its a lot of work and I’m pretty lazy.

So that is pretty much the story of how we became home owners.

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Author:

I moved to an tiny town in Montana after I married my best friend Mike and so far it has been an amazing adventure!

11 thoughts on “Help! We Accidentally Bought a House..

  1. Huge Congrats!

    We are living in our third house. It has been an experience. You are right, there are so many little things to do and think about. The bottom line for us was that we were on the same page in terms of what type of home we were looking for.

    As long as you and the hubby are on the same page life is good. Have fun. This will be a whole new experience.

    Liked by 1 person

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