Buying a House

I didn't realise that Manchester was in NH. Is that very far from the actual town where you live presently ? Would it make a longer commute to work? If I rightly remember house prices in your area are quite inexpensive.
I should have clarified. It's in Connecticut, though New Hampshire has a Manchester as well.:)
It will add only 5 minutes to my commute, which is nice. Prices in my town, Middletown, are higher because of the town's location. It's close to several major highways and is not far from Hartford, which is the capital. Manchester, CT, is about 20 miles northeast of my town. I would take a different route to work, which usually takes me half an hour. It would be 35 minutes from Manchester. Manchester isn't as desirable a location as Middletown, which is a college town. I would love to buy in my town, but I really can't afford it.
 
I should have clarified. It's in Connecticut, though New Hampshire has a Manchester as well.:)
It will add only 5 minutes to my commute, which is nice. Prices in my town, Middletown, are higher because of the town's location. It's close to several major highways and is not far from Hartford, which is the capital. Manchester, CT, is about 20 miles northeast of my town. I would take a different route to work, which usually takes me half an hour. It would be 35 minutes from Manchester. Manchester isn't as desirable a location as Middletown, which is a college town. I would love to buy in my town, but I really can't afford it.

I see. As your commute works out the same and house prices are cheaper, you have made the right decision. It is always better to own your own property versus renting. Moreover when you will retire you will have a capital. I'm pleased that I will only have a few months to pay off my mortgage when I decide to retire.

I also had to move when I bought my flat because property is slightly cheaper once you leave that commuter belt.
 
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I see. As your commute works out the same and house prices are cheaper, you have made the right decision. It is always better to own your own property versus renting. Moreover when you will retire you will have a capital. I'm pleased that I will only have a few months to pay off my mortgage when I decide to retire.

I also had to move when I bought my flat because property is slightly cheaper once you leave that commuter belt.
If I can buy a house in my price range, my monthly payment could actually be less than what I pay for rent. I know there are other expenses that come with ownership, but as you said, I would have capital. I am very happy as well that my downpayment will not have to be extensive. That was a major roadblock in the past. I finally have enough to at least afford a small house or condo. And despite it being small, it still provides more space than what I have now.
 
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I am going to look at four houses tomorrow. Let the games begin!

Do you have a realtor? I highly recommend you vet out a good one if not.

Edit: It looks like you have talked to a realtor. (Just read up on the past posts.) My wife is a realtor, so I have heard about all the ins and outs and whatnots in a variety of scenarios. There are really good ones and really bad ones. Make sure you have one working their tail off for you - don't accept anything but! A casual realtor is a bad realtor. They need to earn it.
 
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:up: Awesome. See above edited post, and don't settle!
I won't. I pretty much know what I want, and I will wait until I find the house that fits. :) I'm trying not to get too excited, though, hehe. I know there are many ups and downs throughout the process.
 
I won't. I pretty much know what I want, and I will wait until I find the house that fits. :) I'm trying not to get too excited, though, hehe. I know there are many ups and downs throughout the process.

There are sooooo many ways to write a creative offer and really improve your chances of getting the place you want at the price you want.
 
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There are sooooo many ways to write a creative offer and really improve your chances of getting the place you want at the price you want.
Yes, that is what the realtor has been telling me. She mentioned a few that even sounded promising. I'm optimistic that I will find just the right place for me at the price I want. The area I'm considering is way more affordable than where I live now. I checked out Main Street in the town and it looks pretty lively. There aren't a lot of empty storefronts that plague a lot of Main Streets these days.
 
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I still look on websites like zillow to look.
You know you can go to the countys fiscal dept website to get all kinds of info on houses, by looking up the address? What taxes are, if they've been paid, property values, drawing of house, and amenities, and all the past sale transfer prices
 
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You need to report back ASAP.
LOL, well it was a whirlwind day. :D
There is one house I really loved, but it has a big drawback: a shared driveway. The realtor didn't have the specifics I was looking for regarding the arrangement with the neighbor, so I'm asking her to find out, but I'm inclined to pass just on this. The last thing I need is a dispute with a new neighbor and a lifetime of trying to work things out to my satisfaction. It seems the neighbor has control over the bulk of the driveway, with the house I was looking at having just a small portion, yet the owner of the house I was considering had to chip in for repaving. I'm researching the state laws with regard to shared driveways, which aren't as common in Connecticut for single-family homes as they are in, say, Pennsylvania, where I used to live. One of my friends has a shared driveway in PA and has reported numerous instances of aggravation over the years. There would be no room for me to add a detached garage, either...another drawback. Meanwhile, the neighbor has a huge two-car garage. But I so loved the house. It had a finished basement, a gas stove(!), central air and a nice layout. The price was also really good. Here it is. It also had a cute porch and a nice yard. Interesting that they didn't show the driveway in the pictures; it just mentioned a newly paved driveway, lol.

17 Jordt St, Manchester, CT 06042 | MLS #G10191117 | Zillow

I looked at four others. The other one I had high hopes for needed way too much updating for my liking. The pictures were very deceiving. Another was in a really sketchy part of town, so I crossed that one off as well.

The fourth one, a very cute cape, was in an area too close to a courthouse for my liking. I drove around the other streets in the neighborhood and just didn't get a warm feeling. The street the house is on was fine, but the one behind it had several properties that appeared run-down. I don't want to be snobby or anything, but as a single female, I want to feel safe, and I just didn't get that feeling. The house would need some cosmetic work, but the owner took very good care of it. It's had only one owner. I suspect the person is elderly and is perhaps moving to a retirement home. The garage needs some work, as the concrete looks a bit worn, but the yard was great, and there was a pretty sunroom.

Here is that one:
193 High St, Manchester, CT 06040 | MLS #G10200908 | Zillow

The third one I really liked also had sort of a deal-breaker: a very odd roofline that led to one of the upstairs rooms having some odd lines. The doorway was so small that I had to duck slightly to get in. I have no idea how they got a bed up there. Here is that one. It had the best kitchen, which I loved (save for the color scheme of the cabinets, but that can always be changed).


114 Bolton St, Manchester, CT 06042 | MLS #G10199930 | Zillow

So the realtor is getting the "disclosure info" on these houses with regard to any remediation that has taken place, like repairs to the roof, water damage, etc. But I have a feeling I'll be out looking again, lol. The good thing is, I drove around and saw lots of neighborhoods to get a feel for the area, and found lots of neighborhoods that I wouldn't mind living in. :)
 
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I still look on websites like zillow to look.
You know you can go to the countys fiscal dept website to get all kinds of info on houses, by looking up the address? What taxes are, if they've been paid, property values, drawing of house, and amenities, and all the past sale transfer prices
Yep. I also want to check out the deed to the house I really liked. I'm wondering whether there is anything in there about the driveway. It should at least have the measurements for the boundaries and such. I found the assessor's records, but there wasn't a deed. That might require a trip to the town hall, but no biggie.
 
All three of the houses you posted are really cute! I can see why you like a lot of things about the first one - the basement was great!
 
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All three of the houses you posted are really cute! I can see why you like a lot of things about the first one - the basement was great!
I LOVED the basement. It had a "man cave" sign, lol, but I would totally put up a "woman cave" sign. :D Even the colors were good. They are Colts fans, but those colors would work for the Patriots, too, haha. They also had a bunch of Red Sox stuff on the walls. Even with the finished part, there was a ton of storage space in the other half of the basement, along with the washer/dryer.
 
I also really like the large window in the dining room. Nice for breakfast! Also - looks like there's a retractable awning over the porch - cool!
 
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I also really like the large window in the dining room. Nice for breakfast! Also - looks like there's a retractable awning over the porch - cool!
Yes! The porch is adorable! I am just so bummed about the shared driveway. I will wait to see what I find out, but I'm not getting my hopes up.
 
I like the first house. The third house is the winner and I just can't believe the price. I wouldn't be able to buy a small flat for that price over here.

Thanks for posting the photos and all your comments. It really is fun to share your quest.;)
 
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