[lifeisgood]

My wife and I closed in March and understand that our property will lose value. The question is how much? None of us know and can only speculate. We bought a new home in 4s and know that a lot of people on this board believe that this area is on the way to losing a lot more value. It seems like its getting to the point where builders, in this area and others like it, are close to being as low as they can go to be able to still build and survive. After reading many posts on this board, it seems like most of you would like to see this happen so that property values will fall more. Bottom line, recently there are many buyers in this market like us that bought property for the long term and not to flip. We put about 10% down and used my VA benefit no PMI. We also locked a 5% fixed 30. We prepared unlike a lot of people from the past by paying off all debt and now only have a mortgage and utilities. Believe it or not, many people today have done the same given todays in depth lending standards. As far as employment, I have been in the military for 11 years and my wife is a dental hygienist. A lot of current buyers, I’m assuming, are in the same position as far as employment security. Good luck to all in your decisions.

[lifeisgood]

We went into escrow in October. They did all options free but they didn’t give us the closing cost that we requested. We chose to use the $20000 incentive towards the price of the house. We closed on March 2nd and are excited to be first time homebuyers.

[lifeisgood]

We went into escrow in October. They did all options free but they didn’t give us the closing cost that we requested. We chose to use the $20000 incentive towards the price of the house. We closed on March 2nd and are excited to be first time homebuyers.

[lifeisgood]

We went into escrow in October. They did all options free but they didn’t give us the closing cost that we requested. We chose to use the $20000 incentive towards the price of the house. We closed on March 2nd and are excited to be first time homebuyers.

[lifeisgood]

We went into escrow in October. They did all options free but they didn’t give us the closing cost that we requested. We chose to use the $20000 incentive towards the price of the house. We closed on March 2nd and are excited to be first time homebuyers.

[lifeisgood]

We went into escrow in October. They did all options free but they didn’t give us the closing cost that we requested. We chose to use the $20000 incentive towards the price of the house. We closed on March 2nd and are excited to be first time homebuyers.

[lifeisgood]

[quote=LAAFTERHOURS]You mind telling us what your home insurance costs are?

[/quote]
75 a month

[lifeisgood]

[quote=LAAFTERHOURS]You mind telling us what your home insurance costs are?

[/quote]
75 a month

[lifeisgood]

[quote=LAAFTERHOURS]You mind telling us what your home insurance costs are?

[/quote]
75 a month

[lifeisgood]

[quote=LAAFTERHOURS]You mind telling us what your home insurance costs are?

[/quote]
75 a month

[lifeisgood]

[quote=LAAFTERHOURS]You mind telling us what your home insurance costs are?

[/quote]
75 a month

[lifeisgood]

[quote=CardiffBaseball]Congrats to the OP and they’ll be excited to know that 4S is practically immune from wildfires.

I wonder how people know they’ll be here 15 years. I thought for sure I’d be here a long time and now it seems our company wants to move some people out of here.[/quote]

First of all thanks for the congrats. Secondly, I smell some sarcasm in the 4S is practically immune from wildfires comment. We both know that there is no community in SD that is immune to wildfires. You just have to get good insurance and pray. We can’t predict the future about how long we will stay in this home, but we can plan. After looking deeply at our situation, there shouldn’t be any reason we should ever have to move. Anything can happen though. Thanks

[lifeisgood]

[quote=CardiffBaseball]Congrats to the OP and they’ll be excited to know that 4S is practically immune from wildfires.

I wonder how people know they’ll be here 15 years. I thought for sure I’d be here a long time and now it seems our company wants to move some people out of here.[/quote]

First of all thanks for the congrats. Secondly, I smell some sarcasm in the 4S is practically immune from wildfires comment. We both know that there is no community in SD that is immune to wildfires. You just have to get good insurance and pray. We can’t predict the future about how long we will stay in this home, but we can plan. After looking deeply at our situation, there shouldn’t be any reason we should ever have to move. Anything can happen though. Thanks

[lifeisgood]

[quote=CardiffBaseball]Congrats to the OP and they’ll be excited to know that 4S is practically immune from wildfires.

I wonder how people know they’ll be here 15 years. I thought for sure I’d be here a long time and now it seems our company wants to move some people out of here.[/quote]

First of all thanks for the congrats. Secondly, I smell some sarcasm in the 4S is practically immune from wildfires comment. We both know that there is no community in SD that is immune to wildfires. You just have to get good insurance and pray. We can’t predict the future about how long we will stay in this home, but we can plan. After looking deeply at our situation, there shouldn’t be any reason we should ever have to move. Anything can happen though. Thanks

[lifeisgood]

[quote=CardiffBaseball]Congrats to the OP and they’ll be excited to know that 4S is practically immune from wildfires.

I wonder how people know they’ll be here 15 years. I thought for sure I’d be here a long time and now it seems our company wants to move some people out of here.[/quote]

First of all thanks for the congrats. Secondly, I smell some sarcasm in the 4S is practically immune from wildfires comment. We both know that there is no community in SD that is immune to wildfires. You just have to get good insurance and pray. We can’t predict the future about how long we will stay in this home, but we can plan. After looking deeply at our situation, there shouldn’t be any reason we should ever have to move. Anything can happen though. Thanks

[Author]

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