Need Help Buying my first place

[Looking2buysoon]

Hello.. any thoughts, advice or opinions on my situation is well appreciated.

I would like to buy a condo or small house under 300k in the next 6 months.. can i make this happen with my situation below?

I am 29 years old and make $4,500 a month.

My car is paid off and the only monthly bills I have is my cell phone, Car Insurance and two credit cards. The debt on my two credit cards combined is just under 5k.

I have a 401k that I recently started that has about 7k. My biggest problem is I have no down payment and my credit score is low at 625 (I have 3 paid charge offs from 4 years ago)

I hate paying rent everymonth and feel desperate to try and buy something soon.

[CafeMoto]

Smart not having a car payment. My advice: keep saving until you have at least 10% down. You need to have some personal savings too before you get into a place. Keep renting like me. Nothing wrong with that in markets like San Diego.

[CafeMoto]

Smart not having a car payment. My advice: keep saving until you have at least 10% down. You need to have some personal savings too before you get into a place. Keep renting like me. Nothing wrong with that in markets like San Diego.

[CafeMoto]

Smart not having a car payment. My advice: keep saving until you have at least 10% down. You need to have some personal savings too before you get into a place. Keep renting like me. Nothing wrong with that in markets like San Diego.

[CafeMoto]

Smart not having a car payment. My advice: keep saving until you have at least 10% down. You need to have some personal savings too before you get into a place. Keep renting like me. Nothing wrong with that in markets like San Diego.

[CafeMoto]

Smart not having a car payment. My advice: keep saving until you have at least 10% down. You need to have some personal savings too before you get into a place. Keep renting like me. Nothing wrong with that in markets like San Diego.

[Scarlett]

Not only that, but try hard and find ways to improve your credit scores. You should be good in a couple years if you really want to.

[Scarlett]

Not only that, but try hard and find ways to improve your credit scores. You should be good in a couple years if you really want to.

[Scarlett]

Not only that, but try hard and find ways to improve your credit scores. You should be good in a couple years if you really want to.

[Scarlett]

Not only that, but try hard and find ways to improve your credit scores. You should be good in a couple years if you really want to.

[Scarlett]

Not only that, but try hard and find ways to improve your credit scores. You should be good in a couple years if you really want to.

[Ren]

You’re actually in decent shape. You have a positive net worth, which is more than a LOT of people can say. However, it isn’t time for you to buy.

The only stigma attached to renting is in the minds of the ignorant. Financial security and knowledge are far more impressive, and anyone who pushes you to buy because they think it’s a sign of success is an idiot. Some of the wealthiest people in the world rent exclusively.

Your credit should be good in 3 years, and that should be your time frame. You should have no problem paying off the remainder of your debt and building up the down payment by then. It’s also likely that you’ll find yourself in a nicer place with a lower payment than if you bought today, and you’ll have actual equity. That’s a good feeling.

[Ren]

You’re actually in decent shape. You have a positive net worth, which is more than a LOT of people can say. However, it isn’t time for you to buy.

The only stigma attached to renting is in the minds of the ignorant. Financial security and knowledge are far more impressive, and anyone who pushes you to buy because they think it’s a sign of success is an idiot. Some of the wealthiest people in the world rent exclusively.

Your credit should be good in 3 years, and that should be your time frame. You should have no problem paying off the remainder of your debt and building up the down payment by then. It’s also likely that you’ll find yourself in a nicer place with a lower payment than if you bought today, and you’ll have actual equity. That’s a good feeling.

[Ren]

You’re actually in decent shape. You have a positive net worth, which is more than a LOT of people can say. However, it isn’t time for you to buy.

The only stigma attached to renting is in the minds of the ignorant. Financial security and knowledge are far more impressive, and anyone who pushes you to buy because they think it’s a sign of success is an idiot. Some of the wealthiest people in the world rent exclusively.

Your credit should be good in 3 years, and that should be your time frame. You should have no problem paying off the remainder of your debt and building up the down payment by then. It’s also likely that you’ll find yourself in a nicer place with a lower payment than if you bought today, and you’ll have actual equity. That’s a good feeling.

[Ren]

You’re actually in decent shape. You have a positive net worth, which is more than a LOT of people can say. However, it isn’t time for you to buy.

The only stigma attached to renting is in the minds of the ignorant. Financial security and knowledge are far more impressive, and anyone who pushes you to buy because they think it’s a sign of success is an idiot. Some of the wealthiest people in the world rent exclusively.

Your credit should be good in 3 years, and that should be your time frame. You should have no problem paying off the remainder of your debt and building up the down payment by then. It’s also likely that you’ll find yourself in a nicer place with a lower payment than if you bought today, and you’ll have actual equity. That’s a good feeling.

[Author]

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