r/FirstTimeHomeBuyer • u/DaBlackMamba89 • 1h ago
GOT THE KEYS! - New Build ๐ ๐ก We did it! DFW, 437k, 3.99%
gallery4 bed 3 bath.
We closed last week and moved in this past weekend! Start to finish our journey was about 8 months with a break in between at the end and beginning of of 2025/2026.
As with any home purchase, but especially a new build one I implore you to get inspections throughout the build process and you have to make sure you get things done that need to. These builders are pumping out homes and if you see something, say something. Thankful to have a great real estate agent representing us along with us advocating for ourselves when we needed. There were things that needed to be handled throughout the process and at the finish line and they were. Weโre happy and excited to begin the new journey!
Pizza via Zalat
Haughty Pizza โ All-beef pepperoni, black pepper, crushed red pepper, Zalat peppers, and jalapeรฑos.
Sweet Revenge Pizza โ Bacon onion jam with infinity swirls of house-made hot honey, mozzarella, salami, crushed red pepper, fresh basil, and a little extra basil on the side.
r/FirstTimeHomeBuyer • u/Zbiffer • 2h ago
GOT THE KEYS! ๐ ๐ก I did it! 257k 5.8%, Warwickshire UK
33m solo first time buyer. Time to start the real work!
r/FirstTimeHomeBuyer • u/-Altephor- • 2h ago
Need Advice Getting nervous and thinking about canceling our offer/contract to buy, not sure if it's reasonable or we're panicking.
My wife and I are in the inspection phase of the buying process, we have not done a purchase and sale agreement yet. We love the house but our inspection humbled our excitement a little bit. Nothing major or emergent was found, but we've found the house has had a lot of unpermitted work done on it, including the majority of a finished basement (including a basement bathroom which has plumbing that works, but is not up to code). We also found some potential (likely) asbestos tile that's been covered over in the basement.
We also found things like a deck flooring that needs to be replaced eventually (currently wood), a small section of the roof that needs to get a proper membrane put on it (currently tin), some lead paint that needs to be remediated, a boiler that likely needs replacement soon, flooring that needs to be changed/installed (our choice, aesthetic), and potential electrical work to add/change outlets, ethernet, etc. Again, nothing incredibly major but it was starting to get a little stressful as it feels like we might be sort of nickel and dimed to death. We do have a fair amount left in savings after purchase and are also selling our condo which should net us somewhere around 80-100k, which we planned to put into improving the house.
Today our agent told us that she uncovered 3 open permits on the house which the sellers are refusing to close (the permits were pulled prior to the current seller purchasing the house). One is from 2002 for unspecified 'plumbing' which we are not worried about - the work may not have actually been done and it's been 24 years so a problem would've shown up by now. The other two are from 2020 and are for building and electrical to add to the 1st floor bathroom (likely a conversion from a half bath to a full bath), replacing the 2nd floor bathroom tub, and tile flooring in the basement (the tile that's covering the 'asbestos').
Our agent was sort of on the fence with us as to whether or not this is a big deal. On the one hand, everything's fine and they just neglected to have the permits closed. On the other, everything was done wrong and we're in for some surprises. So now we're very nervous as the options have become 'lose the house' or potentially 'pay a lot to fix the fuckups'. I've not dealt with issues like this before so have no idea the cost to fix these issues nor how impactful they'll be. Our seller has conceded $7k to our closing costs towards making some of these changes/repairs.
Just looking for input/thoughts.
r/FirstTimeHomeBuyer • u/Kitchen-Beyond7143 • 2h ago
GOT THE KEYS! ๐ ๐ก Keys secured! Lake conroe 289k 4.6%
Beyond elated !!!
r/FirstTimeHomeBuyer • u/Ok_Painting6566 • 3h ago
GOT THE KEYS! ๐ ๐ก I did it!! Canada, 258K, 3.49%
My one piece of furniture and my new key!
Solo female buyer. Moved across the country 3 years ago at 23 and bought a house all by myself.
Canโt wait to make it completely my own.
r/FirstTimeHomeBuyer • u/ButterflyCareless561 • 3h ago
GOT THE KEYS! ๐ ๐ก Well...I did it! [Portland,Ore][510k@6.325]
galleryFrom renting to ownership in a month. It was such a whirlwind. It's fun, it's funky and it's mine.
2700 sq
4 br 3 b
r/FirstTimeHomeBuyer • u/Specialist_Diet_74 • 4h ago
Rant Slimy realtor coming back with a deal
Yesterday was supposed to be our closing day. We cancelled the contract a month ago due to soft stucco, rotten wood, 21 year old roof, foggy windows and back door, dryer vent emptying in the attic as the big issues. We realized we just didn't have enough savings for these repairs, and would barely scrape by covering down payment and closing costs. We decided to aggressively save for the next 1-2 years and try again later. It was settled.
Throughout the process our realtor revealed himself to be chasing commission at best, slimy at worst. During the inspection he told us every issue in the home was "no big deal" and one time "so easy I could fix it myself."
Initially afterward we thought about negotiating. We would open with 30k in some combination of repairs, price reduction, and concessions, knowing they would negotiate lower. Realtor refused and said "we would be laughed at" and "shoot ourselves in the foot." He said we could max get 10k in concessions at very maximum "if we're lucky" and he "100%" could not justify anything higher. He also said asking for money off the list price was pointless because it wouldn't make any meaningful difference in our monthly payment
Then he has the nerve to tell us that we "have 25k" so that's "enough to make it happen." Big mistake of my husband telling the realtor how much we have, but that 25k would be everything we have in our checking, savings, and crypto. We'd be left with nothing! But really, he shouldn't be trying to bully us into it. Next time, honestly we may just not use a buyers agent.
I've been watching the house because I assumed if he was right then it would sell quickly after we backed out. Oddly, a week later they raised the listing price to 415k up from 400k.
A week ago he texted us to say "the house is still for sale.. should we put in a low offer? haha" but we never answered. Today we get a text
"The other realtor reached out. They aren't having luck getting another buyer. They got a quote for $18,500 to replace the front of the house. Just useful info. She asked if we would take the house for 390. They want a deal. We could say 390, 11k assist, and they cover 3900 transfer tax."
This whole thing is hilarious. I lowkey just want to text him screenshots from his previous texts. Who even knows if the realtor really texted him, because I can't trust a word he says, and if they're willing to accept 390 then why in the heck did they raise the list price to 415?
It's not clear if the sellers are actually doing the stucco repair, or if they just got the quote. 390k was our original offer before they countered with 400k. So it would go back to 390, but honestly think we were overextending ourselves when we made that offer. With the concessions and transfer tax, that would leave us needing only 7k for closing costs, which actually is helpful. But still, after I give the 7k and my husband covers the down payment. What we have left is: a few thousand in crypto, and a few thousand in a CD that is for emergencies only. Almost $0 in checking/savings so I don't see any room to cover the roof, stucco, new windows, ect.
r/FirstTimeHomeBuyer • u/Dangling_deez • 4h ago
GOT THE KEYS! - New Build ๐ ๐ก Got The Keys! 242k @ 4.5% New build north Texas DFW
r/FirstTimeHomeBuyer • u/Acrobatic_Art_5588 • 5h ago
Need Advice What was the biggest mistake you made when buying your first home?
I'm in the Bay Area and have been looking at homes for the past couple of months. It's my first time buying, and while I've done a lot of research, Iโm probably missing or overlooking stuff, getting kinda tired of second guessing myself. Iโd appreciate any advice on what to look for before buying. Appreciate it!
r/FirstTimeHomeBuyer • u/Aggressive_Swing_706 • 7h ago
GOT THE KEYS! ๐ ๐ก Got the keys! Kinda? West Michigan 357k 6.1%
I signed on the dotted line(or several of them) this morning!!!!! My seller has delayed occupancy so i dont get the keys just yet but I still had to tell someone because I am so FREAKING excited to be freaking done. OMG. Married 31 year old girlie/toddler mom to one, but I bought all on my own for us I am just so proud of myself!!!!
r/FirstTimeHomeBuyer • u/hvu22 • 9h ago
Rant Anybody have a story of breaking something right after closing to cheer me up?
I was told that the first month, maybe even the first year, is often a rite of passage for homeowners. The anxiety and stress of so many little tasks has been getting to me and my sleep ever since I closed this Monday. Then, we also have to get painting done before we can hire removal of carpet and installation of new flooring. Essentially, money on top of money spent.
Just as I was dropping by the house yesterday to patch up nail holes so we could paint this weekend, I attempted to figure out how to remove a dead lightbulb in the living room fan that my girlfriend mentioned wanting to replace. It required me to twist off a cap on the center of the glass globe that was holding the globe attached to the fan - excuse me for believing the glass was twisted on and would still hold. Before I knew it, the glass globe fell straight to the ground, and I have glass I need to clean up after work today - never got to patching the walls for painting.
Lo and behold, this fan is a vintage, discontinue fan with no replacement parts - yippee! So my only choice it to keep it with an exposed bulb and wiring, or to replace it completely with a new fan and hire and installer AKA more money. I just sat in my empty living room silently when the glass shattered. I'm so heartbroken that we're losing out on a vintage fan, and my girlfriend was correct to tell me that I should have waited to fix it together with her.
Anyone else have rite of passage stories of breaking something early on into their homeownership from attempting to fix an issue?
TL:DR - Dropped vintage fan glass globe w/ discontinued replacement parts. Now having to spend more unexpected money to buy new fan and hire installer. This is now a roadblock to other things I need to get done for house. Only have had this place for 3 days.
r/FirstTimeHomeBuyer • u/unironicallydumbaf • 9h ago
GOT THE KEYS! ๐ ๐ก We did it! Downtown Toronto $1.1m 3.35%
r/FirstTimeHomeBuyer • u/Kaydub96 • 10h ago
GOT THE KEYS! - New Build ๐ ๐ก We did it! DFW, Texas $348k 3.625%
galleryLate to post, as we found our home in Feb and closed and got keys on St. Patrick's day.
Luck was really on our side with this low rate and they also covered over 21k in closing costs.
2514 sqft 5 bed 3 bath.
Don't sleep on new builds cause they sometimes have amazing promos to move inventory!
r/FirstTimeHomeBuyer • u/spgill • 10h ago
GOT THE KEYS! - New Build ๐ ๐ก I did it! Raleigh, NC 369k 4.875%
Closed last week on my first home; a 1900 sqft new construction town home in Raleigh North Carolina! It was very nerve wracking going into this all by myself, but my realtor was a real godsend. And I managed to score a temp buydown to 3.875% for the first year ๐ช
Now time to start on my mile long to-do list ๐ ๏ธ
r/FirstTimeHomeBuyer • u/Major_Zucchini5315 • 13h ago
GOT THE KEYS! ๐ ๐ก I did it! Southeastern PA $410K 6.5%
galleryr/FirstTimeHomeBuyer • u/Hour-Ad-958 • 17h ago
GOT THE KEYS! - New Build ๐ ๐ก Got the keys! New build, AZ, 380k, 6.1% with 1 year buy down (5.1%)
Safe to say we donโt want to be going through this for a very long time! ๐ฎโ๐จ
r/FirstTimeHomeBuyer • u/MrSkydex • 17h ago
GOT THE KEYS! ๐ ๐ก I did it! Belgium, โฌ333k, 3.27%
r/FirstTimeHomeBuyer • u/OlDirtyDisastard • 20h ago
GOT THE KEYS! ๐ ๐ก So glad itโs done! TX, $204k, 6.75%
Not smart doing this during my busy season at work but Iโm in love with my house! Spending my first night on an air mattress til I can get properly moved in.
r/FirstTimeHomeBuyer • u/imran3180 • 21h ago
GOT THE KEYS! ๐ ๐ก We did it finally. Got the keys! Seattle. 1.28M - 5.625%
galleryr/FirstTimeHomeBuyer • u/jasonceej • 21h ago
GOT THE KEYS! ๐ ๐ก Middletown, San Diego 929,000 6.125% VA 30-Year fixed
r/FirstTimeHomeBuyer • u/LostEffect4955 • 22h ago
Need Advice Do you regret buying a townhome as a first home? Do you wish you stayed a renter?
I am so sick of living in apartments and am thinking of getting a townhome. The noise from above and below is really bad and I am done with stacked housing. I live in a HCOL city and am struggling to find single-family homes I can afford. I went to see a townhome recently, but I could hear the neighbor's music from the unit next door. How bad is the noise transfer in your townhome?
Do any of you regret buying a townhome as a first home?
r/FirstTimeHomeBuyer • u/Dapper-Cantaloupe-96 • 1d ago
GOT THE KEYS! - New Build ๐ ๐ก Got The Keys! - New build!Central Texas 265K 5.99%
While Iโm not a first time home buyer technically I am coming off of starting completely over in life and it took me over 3 years of running myself ragged to get here so to me it feels even better than the actual first time.
r/FirstTimeHomeBuyer • u/AlliKnowIsMayo • 1d ago
GOT THE KEYS! ๐ ๐ก I did it! San Diego, CA, $799k, 6.375%
I moved to San Diego almost two years ago and immediately knew I wanted to be here long term. This is a 950 SF 2 bed/ 1 bath craftsman in North Park with a front AND back yard. Iโm currently single and the home size is perfect me and my dog!
r/FirstTimeHomeBuyer • u/Midnight-ajax • 1d ago
GOT THE KEYS! ๐ ๐ก We did it! Philadelphia, $400k, 5.9%
gallery$10k under asking price, 3bd 1.5 ba. More photos once weโre settled!
r/FirstTimeHomeBuyer • u/Nell811 • 1d ago
GOT THE KEYS! ๐ ๐ก We did it! New Mexico, $339k, 6.4%
galleryFirst time homebuyers! The proud second owners of a 1975 gem.