Reba

I think PePe understands that. PePe's point is that some people's income doesn't qualify them for a mortage. PePe would like to buy a house but gets turned down by the lenders.

Deafness

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Reba

I'm so sorry that you are having this struggle. I know you are very disappointed that you can't buy a house.

I hope your situation improves so that you can some day buy a house. Don't give up. New possibilities can pop up. You might get an increase in income, or new lending programs might develope. Also, check into Habitat for Humanity and similar programs.

Maybe you can find a place "rent-to-own" without FHA but thru a private owner, or a small piece of rural land that you can put a trailer on. Then, as you can afford it, you could build a house on that land.

I know that you are trying hard. Just don't lose patience or give up.

Hang in there!

mecooncat

I'm on SSD and I get my check every month. My husband works full-time. We brought this house almost 2 yrs ago. It's fixed rate. Horselover, I'm surprise that you don't have to pay property taxes. My mortgage pays my property taxes twice a year and once a year on my home owner's insurance. I prefer that way. 3 bills in one payment. Yes, we can invest our house. I brought this house for $105,000. But last year, we had it appraised and it was $125,000. The worse cost is the property taxes.


PePe, have you try Habitat for Humanity? Here's the link you might want to check it out.

Habitat for Humanity Int'l

CrazyMomma

I agree!! Owning a house is LOT better than renting a house.

After you paying the house off like in 10-15 or 20 or 30 years, the house is YOUR. You can remodel and fixed up and anything your house without telling the landlord, the house is yours, not landlord. I hate landlords.
In my own opinion - Landlords are ripoff!!

CrazyMomma

I am not on SSI or anything. I work full time, my husband works full time and we have a little son, and my husband and I brought the house in 1992 (that is 15 years ago, for $89,000 and we putting so much money on house payment to pay off, and we got like 5 more years the house will be paid off. But we have remodel the house a lot, and everything is complete change.. We hired appraisal (person who come to check how much the house is value) last year, the first we brought the house for $89,000, we spend 4 years remodeling the house (new roof, new walls, new kitchen, landscape and new steps) and he said, our house now is up to $115,000. I was like, "YOU KIDDING ME!" And this summer, we are going to put new walls in the basement and putting new A/C and new flooring in the basement, that will add up to the value. In 5 years after our house paid off, the house will be ours, we can sell for $125,000 and all the money will go to my pocket instead of paying to the loan. It's depend how you want to sell. Or if we found a new house that cost $110,000, we can sell our house for $120,000 and keeping $10,000 left oover in my pocket and it mean no house payment.

Get it?

Landlord, you paying your landlord, and landlord love your money. You can't fix the rent house, or paint the rent house, etc as long you ask the landlord permission. Phffft...

mecooncat

Or landlords don't fix things that they are suppose to do. And some landlords refuse to return your Security Deposit back after you move out. I've been there and done that. That's how landlords makes profit and they can be greedy.

horselover61

Yep been there and one that. I never got my money back twice. Enough is enough!!

I can understand for some ppl dont have enough income. I know it was hard. It was hard for me cuz I didnt have enough income either or dont have down payment but since I got the money from my mom's inhertance *sp* and that how I was able to get the house.

As for free property tax. In NH anyone is disable or elderly are quailify for free property tax but have to fill out the application to get it. I did it twice in the past and I just got a new one for this year. Also the residents have to live in NH for 6 yrs before you can apply.

Tousi

Horselover, hi....are you saying deaf at any age can be excused from paying property taxes? Why is that?

MilitaryGirl83

Hey girl.. did you get the house yet????

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JeepGirl

yes they can be excused at any age. I'm not exactly sure why but they do consider deaf as handicapped so when they see a "handicapped" person they get a free property tax. Usually, the first year, you have to pay for the property tax then after that its free.

Tousi

I meant to add, ",,,,in New Hampshire..."

Anyway, Rebel, it doesn't make a lot of sense to me that just because one is deaf that they'd get excused from paying property taxes. It makes more sense to me that people, deaf or hearing could get relief from property taxes based on meeting economic criteria. No? Anyway, maybe Horselover can answer that.....maybe it was that she met some economic criteria.....

horselover61

Not just deaf for any kind of disablities. Dont ask me cuz that is NH law. Not only that for those ppl who are on SSDI or SSI or medicare can get a free property tax. It can be either deaf or hearing who are on SSDI or SSI. So it doesnt matter is the way it goes. I didnt know about it til I read the paper on my property tax when I first moves here 7 yrs ago. In Mass. you have to pay no matter what but not in NH.

BabyAngel

I just recently bought a house like almost 2 months ago and I didnt have to pay the property taxes just because I am on SSDI. My mortgage agent said that I don't have to pay the property taxes at all.

Phillips

Here again ... Did you get the house????

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mecooncat

Hmmm..I'm going to find out about that property taxes. I've been living NH for almost 6 yrs in Sept. Drat..it's close but I can always try.

horselover61

Yes go for it or just go in the town hall and ask them about it.

horselover61

For those who have wonder if I get the house or not???































































































































































Yay I got it but have to deal with the bank and see what happened!! I will let you know as soon as I find out. I was supposed to know by today but I dont know what happened.

GalaxyAngel

*woot* let's pray that goes smooth via your bank arrange it somehow you hopefully will come true dreams successed!

I'm rooting for you..

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Angel

Serious?...I own a house and still paying property tax on my home, it was inculding in the house mortgage, no one told me anything about that...And I'm living in this house for almost 11 years now....



btw horselover61 , I'm happy that you got the house!!!

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horselover61

Angel, most mortgage included property tax and house insurance so that is why I told them not to included tax since I am on tax exempt. Also I have to get my own insurance which that is ok with me cuz I rather use the same insurance I have for my car.

Angel

Yeah I know but I dunno how it works on not being able to pay the property tax?...

So you're saying I can't cause it already inculding in the mortgage payment?

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SpaceyUFO

I really liked the house and looks perfect. It is very different to New Zealand's style. Kitchen must be next to entrance. Good luck!

~SG~

Wow I like your house, even love the kitchen. heh

Hope the deal will go smooth with the bank etc, and hopefully the house will be yours. *fingers crossed*

horselover61

You have to go to the town hall if your state do have tax exempt. If they do then ask them if you are quailify. If you do then refinances your home without included tax.

CrazyMomma

YAY you got the house!! WHOO HOO!!

Hope bank clearing up for you.

CoolGal-UK

I say it a nice looking house and heard that u can take that house to another land if u want to move but as some amercians houses are not made of bricks like we have in uk so therefore wont be fire proof or safeproof against strong winds and hurrences *sp if u get them.

horselover61

I aint moving the house I am staying right there. I love the house and the land. Good enough for me I dont need any bigger then that.

WhiteWolves64