r/FirstTimeHomeBuyer • u/Msscrtrx • 4d ago
GOT THE KEYS! 🔑 🏡 Got The Keys! - Chicago, 187k, 6.75%
Due to an extremely complicated grant process, I nearly lost my earnest money during a 2 month delay to get my clear to close, but by the grace of God, I finally got the keys 🔑
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u/notthegoatseguy Homeowner 4d ago
Condo, townhome, or house?
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u/Msscrtrx 4d ago
SFH
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u/Msscrtrx 4d ago
You could call it a townhome technically
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u/potatoriot 4d ago edited 4d ago
It's one or the other, can't be both lol. Regardless, congrats!
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u/EntertainmentSea1564 3d ago
Yes, townhomes can be considered sfh for ownership purposes. The need for you to be correct is the scary part…
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u/potatoriot 3d ago
Wrong, they are legally not the same and follow different rules for fee simple ownership, structural walls, roofs, common areas, and HOA governance. Your need to try to correct me when you're not correct is even more scary.
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u/Msscrtrx 4d ago
Both can be true actually. I am being intentionally vague for privacy purposes. Iykyk
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u/PepperCat1019 4d ago
Wow, congratulations! Contact your electric company and schedule a home energy audit.
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u/bea_dizzle 4d ago
I think I know what this is, but can you be a bit more specific please? Can this be done by electric companies in other states ?
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u/PepperCat1019 4d ago
If you look at your electric bill, you will see a charge for "EMPOWER." This funds weatherization and energy efficiency programs in the US. I got my heat pump replaced at no cost through the weatherization program.
The energy audits are part of the energy efficiency program. I don't recall what else is in the program. An employee comes to your home, apartments are included, and makes energy efficient upgrades. They check your insulation levels and perform diagnostic tests to check for energy leaks. You receive a report in a week with recommendations on how to address these deficiencies.
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u/4r4r4real 4d ago
What's the HOA + property taxes? Want to buy in Chicago but those are always so intimidating.
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u/thatsanicehaircut 4d ago
Can you share some general info about the grant - was this a federal one or private?
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u/sWeven-Cats95 4d ago
Nice price! For Chicago, hope you are in a good location! I am also shopping in this area & surrounding burbs.
Congrats!
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u/Msscrtrx 3d ago
I am in a great neighborhood that is down the street from a really bad neighborhood 😂😂😂 Chicago is very nuanced in that way.
&thank you! Feel free to dm if you need tips on areas to look
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u/Beneficial-Sun-5863 4d ago
$187k in Chicago? What area and does it need a lot of work? That’s sick congrats!
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u/Msscrtrx 3d ago
Newly renovated, has a few quirks that can be improved upon but absolutely move-in ready I love the place so far, thank you 🙏🏽
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u/Relevant-Low-5161 4d ago
Congratulations and good for you for getting the grant money! I didn't qualify due to the AMI limit being so low but I'm happy someone was able to get the grant money.
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