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Trying to be a first time homeowner - any advice before I sign?

I'm not there yet, but I plan to be ready in March of 08 to buy my first house. I've taken 15 hours of credit classes, I have $5k saved up, and I'm trying to get down payment assistance. Does anyone have any additional advice like unexpected costs (besides closing costs) and surprises that maybe happened to you when you bought your first house? I know to stay in my budget and not buy something I really can't afford. But for instance, do I find a lender first and then a house, or is it vice versa? And after I find a house and a lender, how long does it take to close? Is it stressful getting all your paperwork together?

   








Do insurance companies accept a money order as a payment?
Are quad bike insurance cost more than a car?
I am military. I rent. I caused some damages to the house on accident and my insurance has paid all they are going to pay. I still owe..?
Need help on polo 2004 1.4 car insurance and road tax?
I totaled my car, do i need gap insurance for them to pay off the vehicle?
Can I get cash instead of repairs for my auto insurance claim?
What's the best auto insurance you can get for a female under 25?
What would be the best liability car insurance for me?
Progressive Auto Insurance is forcing me to submit a salvage certificate to collect settlement money, is that legal? in Pennsylvania?
How much is a common doctor visit if you have health insurance cards?
Do you have to notify the DMV and your insurance company if you change your car color in Illinois?
How much would a new driver expect to pay for their car insurance (UK)?
How much would insurance cost for a 16 yr old driving a Audi?
Health insurance?
Ohio car accident with lapsed insurance?
Health Insurance Emergency Room Question?
How do you get health insurance?
Which company provide online health insurance?
Do anybody know anything about Gerber Life Insurance for children?
Healthcare insurance is a good and necessary product, that can literally save your life...?
Can you leave modifications off your car insurance if your car is modified?
Health insurance?
How much will motorcycle insurance and registration cost me per year?
I want the full facts about whole life insurance?
Cheap motorcycle insurance?
Car Insurance Claim Check (Farm Bureau Insurance)?
How much will car insurance cost me? a 18 yr girl in PA no violations or accidents on my record?
Rear ended someone.. how much to get fixed without insurance?
How much is auto insurance ?
Can I drive my wife's car if we live together and I'm not on her insurance?
How are you paying for health insurance if you are one of the millions recently laid off?
How do you know if you qualify for Medicaid?
What is the best Life Insurance, to be with?
What is the best Life Insurance, to be with?
Ilive eith a person and his house burnt down and his insurance paid for everything. we are not married but h claimed all my things as well?
What is the law about material misrepresentation during first 2 years of a life insurance policy?
Auto insurance question...?
What is the best maternity insurance? ?
Which insurance is better?
How much would i expect to pay for insurance on a 2000ish camaro?
Need car insurance help!?
Car insurance/Car warranty advice!?
I need help finding the cheapest insurance...?
Can you get life insurance if you smoke marijuana?
What do you think about life insurance? Do you have it? Details below.?
What does car insurance cost in British Columbia, Canada?
How much for a 17 year olds car insurance with a sports car?
Can I drive car on my wife's insurance?
Do i need insurance when buying/selling cars?
Do you need insurance to renew your tag?
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What are the advantages of sticking to one health insurance company for a long time?
What are the advantages of sticking to one health insurance company for a long time?


What are some decent Chevy vehicles for a teen to buy and save money?
I'm a 17 year old trying to make it by. Obviously, as a 17 year old male, the first thing I need is a vehicle. If that's not the common demographic anymore, oh well. This 17 year old wants/needs a car. My dad is making me buy the car AND pay the insurance which seems a bit harsh to me considering the ridiculous price of insurance for someone like me. Logically, it would seem like he's trying to get me ready for the real world, but realistically, he probably doesn't trust me and doesn't want me emptying his wallet. It's not that I'm not a good driver, it's that my dad isn't the kind of dad who will just do favors for people. in laymen terms, he's a hard*ss. But that's beside my question, I digress... I need a car that I can afford. By afford, I mean a car that's relatively always on the cheap side (2,000 and under) for someone like me. and the insurance needs to be as low as possible. Again, my dad isn't putting me on his policy, he says he won't put me on his policy because it will raise his rates and he says I don't understand the price. I don't think he understands how much more it will be for me to pay insurance on my own as an unmarried teenager under 18 with nothing to his name. back to the question, here are my preferences... -Must be chevy (it runs deep) -must be cheap -must be somewhat stylish, nothing like a cavalier. -you'll get brownie points if you can estimate what insurance would be like for an 80's El Camino for me. I live in Michigan and I've never had any accidents, so my record is clear. I hope this was clear enough for someone to do some in depth research. I've tried but I haven't had any luck which is why i'm asking for assistance. An El Camino would be my dream, but I realize that that's probably an unlikely possibility for me. anyway...THANKS."


What is the best global/international medical insurance?
Hi. What is the most comprehensive individual-policy medical insurance that includes prescription drug coverage? I want to teach English in China someday and it depresses me that I won't be able to retain my job's medical insurance for USA coverage. I'd have to purchase my own. I'm afraid that I might get a plan that won't cover important things if I get sick. Posting this under China as I know there are lots of expatriats on this part of Y/A....


Is a lesser known auto insurance company trust worthy?
I've heard that lesser known insurance companies can drop your coverage in event of an accident or other incidents. Is it true?


Does a salvage title cost more when it comes to getting insurance?
I want to buy a motorcycle. however, it has a salvage title. will the insurance be more? P.S. all i want is liability."


Would insurance on a 2005 pontiac GTO be cheaper then insurance on a 2000 Grand Prix GTP (Supercharged)?
jw


"Non custodial parents insurance will not go through,and he will not speak to me at all about anything?"
Non custodial parents insurance will not go through,and he will not speak to me at all about anything?"


Put my 17 yr son on insurance for '85 vette?
Is it possible to put my 17 year old son on the insurance for my 85 corvette? God blessed


Getting a 250-300k mortgage with 27k/yr salary?
That is about the average price for a basic house(including fees and taxes and the like) where I live


Car insurance is PHENOMENALLY high?
So im a new driver who is 22 years old living in brooklyn New York. I got a job which requires me to commute by car. Im ok with purchasing the car and owning it but i got several insurance quotes which are all $500 and more a month. I already chose the highest deductable and the lowest liability. as well as the all discounts available (good student, defensive driving) and its still $500+ Is there a cheaper way to finance this insurance, with this as well as college payments, i cant afford it. and how does insurancing under someone elses name work?"


How much is average tenant insurance?
I'm doing this project for school and I have to pretend I'm renting a house for the first time so i need to figure out all the costs and stuff. What would be the average price/month for tenant insurance? if it helps, i live in BC, Canada."


My daughter wants me to put car insurance in my name?
she wants me to put car insurance in my name for her husband he cant do it cause it would cost alot he has alot of speeding tickets and a dui plus he has lost his driver licenses my record is perfect what do you think i didn't even know you can do that im in ohio


gross income or taxable income?"
Is the fine for not having insurance based on


"If a homeowner has a title insurance policy, sells the home, and is consequently informed that an issue with the title exists, what happens?"
Basically, what is the process? How is the owner informed of the title issue (example - an outstanding home equity line balance that was not discovered during the purchase)? What must the seller do to notify the company that issued the title insurance policy? What is the responsibility of the company? Do they simply remedy the issue? *For example, would the title insurance company simply pursue the estate of the person who created the outstanding home equity line? Is there any further obligation of the seller/owner of the title policy?"


Health insurance question?
so i just got health insurance for me and my family for the first time ever and i dont understand what the deductible is, will the insurance cover anything until we pay the deductible?"


Trying to be a first time homeowner - any advice before I sign?
I'm not there yet, but I plan to be ready in March of 08 to buy my first house. I've taken 15 hours of credit classes, I have $5k saved up, and I'm trying to get down payment assistance. Does anyone have any additional advice like unexpected costs (besides closing costs) and surprises that maybe happened to you when you bought your first house? I know to stay in my budget and not buy something I really can't afford. But for instance, do I find a lender first and then a house, or is it vice versa? And after I find a house and a lender, how long does it take to close? Is it stressful getting all your paperwork together?


What is the cheapest car insurance full cover + road side ass.?
what is the cheapest car isurance, full cover + road side assistance. for 4cy 2007 toyota, have to be under $800-"


"I was recently in a car accident, 100% the other guys fault and they are doing a coverage investigation on him?"
they think he may not have insurance, but the insurance company that he said he has is willing to settle at 80-20, meaning they would pay 80% and I would pay 20% and it would not go on my record as an at fault accident. I have the police report that says it was 100% his fault and my insurance determined that too. I didn't want to settle for this but I would be paying less of a deductible this way, rather than having my insurance fix it and the go to arbitration and wait for months to get this settled. Is there some kind of catch with this 80-20 deal? I don't wanna take it now and then somehow get screwed later on down the line..."


What is the best insurance to buy for maternity care?
My husband and I had tricare but he is out of the military now, so we are looking for good insurance as we are currently ttc. Thanks!"


How does paying home insurance from an escrow work?
I am purchasing my first home, and getting quotes on home ins. How does it work if you decide to use your escrow account? Is this your home's escrow account? I know you would need to bring your 1st years premium to closing, but just a little unsure of how this works. Would this mean I would not have a monthly payment to the ins. company? Newbie here, and need all the advice I can get!"


Would it be cheaper to insure a 88-93 mustang rather than a 99-04?
I have been wanting to buy a mustang someday when im older. But i'm only 16 and still I dont have my permit. But since i'm so young and decided to buy a mustang, would it be cheaper on the insurance to buy a older one rather than a new one? Or would it be the same?"


Car insurance for a 21 yr old living in ny?!?
Approx how much does car insurance, per month, cost for a 21 yr old college student from abroad in ny? My sister who lives in the country pays about 130 dollars per month in MA."


Misrepresentation of information for auto insurance in the state of florida?
What is the penalty for misrepresentation of information for auto insurance? Does the insured get sued by the car insurance company? Would that stop the insured form getting car insurance later on? Can that result in insurance fraud and if so...What happens then? this is serious so if you do not know the answer, doe not answer. no time for jokes."


What insurance co. gives you a good drivers check twice a year for not having a accident?
its either All-state or State farm insurance..its a blackman who does the commerical


"What life insurance is best for a senior 62 female, on a fixed income, AARP or Landmark Life? asap?
My mom and I are ingnorant to the premiums and the small print on determining the rates. Need an honest opinion from a good christian person. Just need help in determining which is better AARP or Landmark Life? I see two very charts that have us concern if we made the right choice with the one paying more to get less...over a ten yr period. Thank you for taking time to respond


How do you find out if buisness's / companys have insurance?
how do you find out if a newspaper company has insurance


Is insurance a liability or an asset?
i'm doing grade 11 correspondence for accounting and i dont know whether to put insurance as an asset or a liability.


How insurance coverage work for new a car ?
Hi, I intend to buy a car by the end of this month on the weekend (I work from Monday to Friday and do not want to skip working). I will use my old car for trade-in. And I will switch my current insurance on to the new car. Since it all will be happening on the weekend (my insurance office closed), I will have to switch the insurance on Monday. If something happen to the new car before the insurance switched (sometime before Monday), who will cover the car ? Any advice ? Thank you..."


I am looking limo taxi insurance bergen county new jersey ?
i am looking affordable insurance in new jersey state if some body know,s best cheap insurance let me know thanks "


Should I unload my Variable Life Insurance?
I have had this variable term life insurance policy for almost 10 years now and it hasn't kept up with the projections the sales guy told me 10 years ago. This is mainly due to the high fees. About 55% of my yearly contribution is lost in fees"". There would be a surrender charge if I were to withdraw. Should I take the hit or keep putting an annual contribution into this account? I do have life insurance through work should anything happen."""


Ow much does it cost to deliver a baby without health insurance in washington hospital california ??
Ow much does it cost to deliver a baby without health insurance in washington hospital california ??


Trying to be a first time homeowner - any advice before I sign?
I'm not there yet, but I plan to be ready in March of 08 to buy my first house. I've taken 15 hours of credit classes, I have $5k saved up, and I'm trying to get down payment assistance. Does anyone have any additional advice like unexpected costs (besides closing costs) and surprises that maybe happened to you when you bought your first house? I know to stay in my budget and not buy something I really can't afford. But for instance, do I find a lender first and then a house, or is it vice versa? And after I find a house and a lender, how long does it take to close? Is it stressful getting all your paperwork together?


Car Insurance for a new driver????
Sorry for not giving more info. I'm new to this and by that i mean cars etc. I myself don't drive ethier. So this would be a first for us. I live in london ontario canada. And seen you can get a basic insurance to be on the road and that you don't need collision. So i'm assuming from some of the naswers then we could get insurance for less then $400 a month on a close to 10 year old vechile.


Cheapest car insurance please?
hey i hope some1 can help me out. i am 22 years. i recently passed my driving test, on the 21/07/2009. i also bought a car honda civic. 1.4l i am looking for the cheapest car insurance possible. because i am full time student. and work part time. i wouldnt be able to afford paying 2000 annually. please if some1 knows where to get cheap car insurance for new drivers, would be very appreciated cheers"


Insurance.............?
cheap bike insurance for a scooter in uk,any ideas?"


How do I get an Insurance licens for California ?
I was wondering how can i get and insurance license in califronia ? Is their a web site where i can take a course to get one?


How much does it cost to see a doctor without insurance?
i hurt the ball (arch) of my foot about 2 weeks ago now whenever i walk or try to run the corner of my bottom foot gets sharp pain it seems to get a little better when i dont run on it how much will it cost to get it checked out?


Insurance Car coverage?
My car got flooded bacuase of the Hurricane IKE in the houston area. The current market value of this car is 9k but I still owe 13500 and I do not have GAP insurance. I had an offer for this car three weeks before the hurricane for 12k. As we all know insurance will only pay what it worth now. What are my possibilities for having the insurance pay it off sice this was a natural disaster.


Car wreck....Why is his insurance calling me? Can someone please clear this up?
Thanks for all who answer, I apologize to those being condescending if they feel that I am wasting their time with my long question. I just like to give all information. I have never been in a car accident before and the trooper company just told me to pay the fine and the insurance companies will handle it. That's why I am asking."


What is the best insurance company to work for as an agent?
I am currently in college and wanting to get started in becoming an agent for an insurance company (probably part time). I do not know which company is best and I was wanting to get other peoples' advice. I am currently looking into Primerica, State Farm, Farmers, Allstate or Aflac. If you have any comments about these companies please let me know. Otherwise which would be the best to work for in my situation?"


What is the renewal process for car insurance?
Do they call in around expiration of the policy. Or is it a form you fill out. What questions do they ask? In particular, say you failed your G test before the expiry of the insurance policy and you redo everything and get a G or G2, will your insurance rate remain the same?"


"Whats the difference between limited, broad and regular collison deductibles with insurance?"
Whats the difference between limited, broad and regular collison deductibles with insurance? Trying to get an auto insurance quote, thanks"


"What is the difference between term"" and ""whole"" life insurance?"""
What is the difference between term"" and ""whole"" life insurance?"""


Does medical expenses show up on my health insurance?
Ok some things have happened and I don't want my parents to know. I use empire insurance and I was wondering if I made an expense would it show up on the card


Auot insurance - Geico vs AAA?
Can anyone tell me which agency is better to have. Because I have this feeling that AAA is trying to sign me up. I've been getting e-mails from them, and I want to get some info about them vs Geico - experience note. thanks!"


Can i swap my car insurance when i still have a claim going through?
i need to change my insurance because of outgoings, but i have aclaim for compensation still going on because a man hit the back of my car. Can i still cancel my insurance and go with a better quote."


MAZDA3 with insurance questions?
u think i'll be charge high cost of car insurance by getting mazda3 sedan..im 18 first time driver and a female i live in san francisco. and how much is mazda3? like with the taxes and everything?? serious answers are greatly appreciated. i want to stay under $20k


Trying to be a first time homeowner - any advice before I sign?
I'm not there yet, but I plan to be ready in March of 08 to buy my first house. I've taken 15 hours of credit classes, I have $5k saved up, and I'm trying to get down payment assistance. Does anyone have any additional advice like unexpected costs (besides closing costs) and surprises that maybe happened to you when you bought your first house? I know to stay in my budget and not buy something I really can't afford. But for instance, do I find a lender first and then a house, or is it vice versa? And after I find a house and a lender, how long does it take to close? Is it stressful getting all your paperwork together?