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homediggidy : tips and information for first-time homebuyers

recent posts

Down payment options, Pt.1: Gifts

The down payment should be your first order of business, after you determine what price range to look in. Then you can figure how much money you’ll need to come up with in order to get a mortgage. Let’s break it down. Determining the down payment The rule of...

Your loan closing: What you can expect

But when you start thinking about that loan closing date, your heart begins to beat a bit faster. You realize you’re making the most important financial decision of your life! (So far, anyway.) As a first-time homebuyer, you may be wondering what you can expect at...

It’s cheaper to rent than to buy a home — isn’t it?

Is it cheaper to rent than to buy a home? According to Trulia’s Rent vs. Buy Report in October 2015, buying a home is 23% cheaper than renting — in most places. (If you live in Honolulu, Hawaii, or San Jose, Cal., stay on good terms with your landlord.) Determining...

DIY credit repair: Fixing credit report errors

But when it comes to DIY credit repair, there are no quick fixes, no instant changes. It takes consistent, responsible financial behavior and the simple passage of time for negative information to drop off your report ­— like up to seven years’ worth of time. Luckily,...

How much house can you afford?

I’m here to show you the guts behind that little guestimate/guideline and give you some insight as to how your lender may determine whether it agrees with how much house you think you can afford. I’m going old school with pencil, paper and a wonky little calculator...

Do I really need to find a real estate agent?

Have you ever dreamt of saying, “Let me talk to my agent, and I’ll get back to you”? I know I have. Last night, even. It was a good dream. Unfortunately, since the likelihood of becoming a Hollywood actor living in Milwaukee is low, and my autobiographical book of...

A Young Man’s Education in Home-Buying, Pt.2

In my last post, I detailed a personal journey, another time-old tale of ‘Man finds Credit Score.’ The plot reached a fulfilling end, at least in the sense that I finally found what I was searching for. But alas, only at the cost of learning an ugly truth: My score...

How much should your down payment be?

My husband and I were 27 when we bought our house. We had no idea what we were doing, but motivated by our mutual dislike for paying rent for a crappy apartment, we dove in. With great luck and the recommendation of a friend, we had our real estate agent, Michael, for...

A Young Man’s Education in Home-Buying, Pt.1

Hi, I’m Gunnar. Yes, that’s the name my parents gave me. No need to get fancy with it, it’s pronounced exactly the way you’re thinking. It’s a modern American take on an old Norwegian name. I’m a recent graduate with a bachelor’s degree in English and Political...

about

It starts with a tiny spark of an inkling that grows into a possibility, a probability and finally an actuality.

As with so many other good dreams, that’s pretty much how people become homeowners. That’s what we’re here for, to walk with you through the maze, regardless of where you are.

We are not your typical homeownership experts, but we are a blend of long-time homeowners and new homeowners. We are renters just starting to entertain the idea of thinking about homeownership. Some of us live with our parents — a galaxy far, far away from owning our own home — but want to start laying down a good base to be ready later.

So our content is driven by personal experience and from research. We hope to help you save a few steps, to avoid pitfalls and get to the prize as soon as you’re ready to.

So dig in, make comments, ask questions. We will work hard to anticipate and find answers for the information you need to find, afford and love a home of your own.