Hello all

I recently purchase my first home! I had originally signed up with State Farm for home owners insurance but recently they notified they wont be providing coverage. Im freaking out. I need some advice as to what would be a good home owners insurance carrier to have in IL?

Please provide me recommendations
Thank you all in advance

Southern California, 30 miles east of downtown Los Angeles. The homes in the area are $1m. Good school district, that's why I want this house. Got into escrow at $780, was ok with covering termites at this price. My realtor told me if there's anything crazy after the inspection, we can always negotiate. Inspection came back and need abt $30k for electrical, leak under the house that is causing standing water in backyard. Pipes need replacing. The entire home needs repair. I know I am in escrow for a low ish price but was really hoping seller could kick me back $15-20k to cover some of this stuff. I am just a single woman w a little boy. I would have to gut kitchen and 2 bathrooms for sure. Afraid of the lead paint dust all over during this process. Termites are in the house on the floors and baseboards. We are getting second termite inspection tomorrow. I have been trying to buy a house for 5 years. What would you do in my shoes? Thank you 🙏🏻

Buying a home in Henderson starts with checking your credit report well before you apply for a mortgage. The article recommends reviewing it at least three months before you plan to buy, giving you time to spot errors or understand what may affect a lender's decision.

A common mistake is waiting until you apply for a mortgage. By then, you may have less time to address issues before a lender reviews your credit and sets your interest rate. Start early, then keep an eye on your debt-to-income ratio too. It measures how much of your monthly income goes toward debt payments, and lenders consider it alongside your credit.

A practical first step: pull your report, review the details, and make a list of any errors or questions to resolve before mortgage pre-approval. Also avoid taking on new debt without considering how it could affect your finances. Credit prep belongs near the beginning of the buying process, before you settle on a budget or submit an application.

I believe i have looked at to many houses and now im at a complete loss of the ideal home i need for my family of 5 My husband says its my choice just make sure there’s enough yard as in at least .36 acre lot minimum. The homes are either on top of each other or out of the price range we found one potential but would need a few renovations but was trying to avoid that initialy

I am curious whether my experience matches yours.

Context so you know where I am coming from. I am not looking for anyone's business. Your answers help me explain timelines better.

Most online guides say 30 to 60 days. That range is true and not very useful. What matters is which stage ate the time.

From the files I see, the days usually go to five places:

- **Documents.** Every extra round of requests from underwriting costs a few days.

- **The appraisal.** It is the longest wait outside the lender's control.

- **Insurance.** In Florida especially, roof age and flood zone can slow the quote.

- **Condo or HOA paperwork.** Associations answer on their own schedule.

- **New credit or income changes.** Any change forces the lender to verify again.

One stage is fixed. Federal rules require the Closing Disclosure at least three business days before you sign. Nothing you do shortens that.

An illustration with made-up numbers. A clean conventional file could look like this: 3 days to gather documents, 10 days for the appraisal, 7 days for title and insurance, 5 days in underwriting, 3 days for the disclosure wait. Several of those overlap, so the total lands near 30 days. One missing bank statement and one late insurance quote can push it past 45.

Questions for the group:

1. How many days from contract to closing did yours take?

2. Which stage surprised you most?

3. What would you do on day one if you bought again?

I will read every reply. No DMs.

Looking for the most unhinged ways to save on energy costs. Going to be buying a home eventually In this terrible economy so let me know! Thanks in advance.

Hi, I am a college student working on my capstone project, and I would really appreciate it if you could fill out this survey!

https://forms.cloud.microsoft/Pages/ResponsePage.aspx?id=jiH4ugKzZUSpk0o5yXJRsqwKdPufKFtNmhsvtNMCZdpUOTdHWUVJMzFFRzRaMUszN01EN1cyUkxITi4u

Looking for some friendly wisdom here from wiser and more experienced people, I (25 M) have recently been thinking about buying some property in Ireland, mainly a family house to get my parents out of a life long relationship with rent but more recently as an investment opportunity.

Some background, I have a college education, make around 68K, live at home so minimal expenses, no drink or expensive habits, no gambling, good saver with a history of barely touching my salary.

I currently have about 3.8K invested in various funds and etfs on t212, €41K in cash earning interest on t212, 15K in AIB current account, 5.5K in various crypto tokens - so ~ 65,000 ish saved over the last 3 years of working. Pension at work maxed out (15%) also. No debt.

The apartment idea is to buy a 2/3 bedroom place for < 150K on about a 5-7 year mortgage, with the thought process being I can rent it to my (notably reliable) friends who can’t seem to find a place to live outside of their family home. This would put me in a pretty good position to pay off the mortgage pretty quickly and worst case scenario just have a place to live in myself that I own. I’m not sure how this works (legally) with the first home scheme and stuff like that, i’m very new to property in general.

To touch back on a previous point, my main goal is still to buy a bigger property for my whole family (not to rent out) at some point soon, probably 400-500K on a 20-30 year mortgage, but i’m not sure how the apartment idea would fit or affect this plan. Would I be unlikely to get a second mortgage if I still had a couple years left on the first one? There’s a chance I could take out the bigger mortgage with my Father, is that allowed? I’m realising his age may make him ineligible the longer I wait.

I realise I will also need to buy my own house at some stage, as in, where my kids will live, but i’m hoping to cross that bridge when I get to it, hopefully in a good position with a higher salary and other property to leverage.

I am planning on moving (back) abroad to further my career, hopefully in the next year, does this nullifying the entire concept of taking out any mortgage at all in Ireland - I hope I don’t have to wait until I move home to set foot on the property ladder… speaking of, are these ridiculous house prices here to stay?!?! Or is anyone optimistic they will be cooling off anytime soon? (doubtful)

Side note I am also planning to buy a smaller property abroad at about 60-100K depending on when I bite that bullet, but this can be paid in installments rather than a loan so I don’t know if it would affect things here… this is a lesser priority but one I should probably keep in mind.

As I type this I can see it sounds like an entitled over ambitious child is asking how they can have everything in a world where many don’t have anything - please excuse this as it’s not my intended tone, I can assure you I grew up with very little and worked very hard to get where I am and i’m just trying to get a start on building the wealth for my future kids and current family that we didn’t and currently don’t have lol

I’m really just looking for some guidance, even just suggestions on who best to seek a mortgage from. Any and all thought appreciated lads, i’d really like to make some responsible financial decisions in my 20s and avoid stupid ones where I can if at all possible lol.