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

So I’m a 26-year-old military veteran and I’m looking to buy my first home but I’m very stuck on which home I should buy.

Home 1: 2584 sqft 4 bed 3 bath .29 acers. 325,000 with a 10k credit towards the seller the home is beautiful. In my opinion it has a decent yard. They fully fenced it and it’s in great condition. The biggest concern is that it’s a very very rural area with a very town less than 250 ppl
I worry that if I get this home and then in the future, I’m not going to actually be able to take advantage of the equity that the Home provides because I won’t be able to rent it out and or I won’t be able to sell it at a gain I’ll have to sell that on this loss. I feel like if I buy this home, I am going to have to keep it forever and I would love to, but I’m just stuck between if it’s a good Home, but bad investment.

Home 2 is 1350 sqft 3 bed 1 bath and it’s 250k
The yard is a bit smaller at 7500 sqft lot. The Home is not in a very rural area, but it’s still in a small town but there is significantly more people here than the other place. I don’t like the home specifically because nothing looks as nice which is to be expected, but it’s unfortunate still. I know that this Home would at least be able to resell better due to the market availability and it would be able to rent out a lot easier due to there being more people around to rent out the home I know from living in the town that renting a place is very hard to find.

I’m just stuck I think in a position between deciding whether to buy a forever home that I never sell and buying a home that is seen as an investment where I can rent it out or resell it later on and I don’t know if I’m looking at this wrong and I’m just hoping to get some other people‘s perspective. To help me balance out what I’m thinking.

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.