Renting. My husband and I have been renting an apartment for 3 years now. We are both working full-time adults and I ready for a change. 3 years ago the agreement was to get our credit straight and buy a home within a year and half. Well we are still here and looks like we will be in this apartment in 2007. I have had my credit straight and paying bills on time for 2.5 years. My husband started paying off his bills this year. I applaud him for paying his debt but everytime I mention anything about a buying a home, he says o.k. maybe the spring, then he changes and say maybe the summer then he changes again and say maybe next winter. I don't want to nag him but I am so tired of living in this apartment. I became so frustrated until I even thought about applying for a mortgage on my own but I know if his income is added if we apply together, the more money we will be approved for plus it's not fair to him if I do that. Any good advice is appreciate
2006-11-12 02:04:46 · 9 answers · asked by Shay 4 in Family & Relationships ➔ Marriage & Divorce
Just start looking!
One day when and him are out driving just stop at a hose that is for sale and have a look. Work him in to it, bring home some brochures. My wife and I found it to be a little fun just to go and look at homes for sale during open house.
Look on the internet for first time buyer programs in your state. These programs help to inform you about how home buying works, and what to look for. They can also help you get a great APR, zero down payment, and even money to put towards closing cost. You have to do your homework and look for these programs, because not to may people know about them. My wife and I got into the program and got a fixed APR of 5.1%.
KNOWLEDGE IS KEY, your husband may just be scared to take that first step. Try and show him how easy it can be.
I wish you well in your search for home ownership!
2006-11-12 07:38:31 · answer #1 · answered by Ant O 2 · 0⤊ 0⤋
Maybe your husband is comfortable. I have heard a lot of people say that some men can get very complacent and do not want to advance or do better. I've even heard men say if it wasn't for their wife making the move, they would be still in the apartment they were living in. I could imagine it being frustrating because you probably feel like you are throwing money away in renting (which you are). Some people have said, start looking for a home that affordable and others have said just go to the bank and see what you all qualify for. Great ideas. I wish you well because I went thriugh a similar situation with my husband and he was just plian comfortable and scared of jumping out there to try something new. This maybe your husband's case as well.
2006-11-12 12:23:57 · answer #2 · answered by Who me? 3 · 2⤊ 0⤋
the only thing I would suggest at this point is to sit down with him and discuss things. First, ask him what his true reasons are for pushing the house back. Then, calmly explain why you'd like to buy a home. Tell him how much buying a home means to you and why it means so much. Maybe if he knows you're trying to understand his position, then he'll have more desire to follow through. Make sure that when he's explaining his reasons for pushing the date back, you listen without interrupting. If you interrupt him, it will make him think that you don't truly care about his feelings or opinions. Try to work out some sort of compromise.
2006-11-12 10:23:50 · answer #3 · answered by mercymarie3 3 · 0⤊ 0⤋
Just start house hunting on your own through the newspaper or internet and then show him some of your affordable options. Maybe once he sees that you are serious, he'll be more open to making the move. Buying a home is a huge step, especially financially. Since you've had some financial problems in the past, maybe he's just nervous about it. Good luck & happy hunting!
2006-11-12 10:14:44 · answer #4 · answered by suz_e_q_zee 3 · 0⤊ 0⤋
Go to see if and what you both qualify for. If you qualify for something that is a good starter home for both of you, then talk about the pros and cons of home ownership. If you are short on financing due to your debts, re evaluate your goals and make a plan. Original plans are changed or put off for many reasons. Both of you must be level headed regarding ones goals, as well as ability to achieve them. If you both do qualify already for a good starter home and he still does not want to, maybe it stems a little deaper into the relationship area. ( problems )
2006-11-12 10:14:03 · answer #5 · answered by squirelnut 2 · 0⤊ 0⤋
I dont' want to be a party pooper...but, when my ex didn't want to buy a house with me...it was because he didnt' want to invest in something with me"knowing that he was going to stick around".
I would set a time line...it's time to make a "MOVE"!
If he continues to blow it off...u go out there and start looking...he's going to have to do something eventually...
2006-11-12 10:16:31 · answer #6 · answered by passionfruit2571 3 · 0⤊ 0⤋
If you're married his credit can affect yours. Also, the real estate market is also slow/bad right now, maybe he wants to wait... or maybe he's just stalling.
2006-11-12 10:17:02 · answer #7 · answered by tashatactics 2 · 0⤊ 0⤋
It sounds a little deeper then you let on between you and your husband. Sit down and talk to him. Also, check out Dave Ramsey. com
2006-11-12 10:07:28 · answer #8 · answered by Common Sense 5 · 0⤊ 0⤋
maybe he has other plans ...lay down the law with him see what happens.
2006-11-12 10:12:05 · answer #9 · answered by devil_queen_biatch14 7 · 0⤊ 0⤋