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I would definitely vote against Hayward. It is an industrial area and not particularly nice in my opinion. I have spent some time there for business reasons and all the people I know who work there don’t live there nor would want to.

I also agree commuting via car in the Bay Area sucks. I’d go with south SF or somewhere on the BART line.

Some friends who work in south SF rented a large million dollar home in San Mateo for about $3500/month and then later bought in Foster City and are very happy with Foster City for raising kids. They paid in the low 800s for a 4/3,~ 2200sq ft. Perhaps try renting in those areas before deciding?

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I agree with everyone else, the math does not pencil out for you to buy a place. I don’t believe you would qualify for a 300k mortgage as your PITI as % of gross income will be too high.

Think you need to ask yourself some very tough questions. Are you financially stable and responsible to own a home? How long do you want to live there? It is going to be the biggest financial decision you make at this point in your life. You need to take the emotion out of it and look at the numbers. Why have you been unable to save? Do you have a savings plan or budget? Have you looked into how to rehab your credit? What is your plan if you lose your job, or have a special HOA assessment, or have an emergency?

Have you sought financial and credit counseling? I believe HUD offers free financial counseling.

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I agree with everyone else, the math does not pencil out for you to buy a place. I don’t believe you would qualify for a 300k mortgage as your PITI as % of gross income will be too high.

Think you need to ask yourself some very tough questions. Are you financially stable and responsible to own a home? How long do you want to live there? It is going to be the biggest financial decision you make at this point in your life. You need to take the emotion out of it and look at the numbers. Why have you been unable to save? Do you have a savings plan or budget? Have you looked into how to rehab your credit? What is your plan if you lose your job, or have a special HOA assessment, or have an emergency?

Have you sought financial and credit counseling? I believe HUD offers free financial counseling.

[zzz]

I agree with everyone else, the math does not pencil out for you to buy a place. I don’t believe you would qualify for a 300k mortgage as your PITI as % of gross income will be too high.

Think you need to ask yourself some very tough questions. Are you financially stable and responsible to own a home? How long do you want to live there? It is going to be the biggest financial decision you make at this point in your life. You need to take the emotion out of it and look at the numbers. Why have you been unable to save? Do you have a savings plan or budget? Have you looked into how to rehab your credit? What is your plan if you lose your job, or have a special HOA assessment, or have an emergency?

Have you sought financial and credit counseling? I believe HUD offers free financial counseling.

[zzz]

I agree with everyone else, the math does not pencil out for you to buy a place. I don’t believe you would qualify for a 300k mortgage as your PITI as % of gross income will be too high.

Think you need to ask yourself some very tough questions. Are you financially stable and responsible to own a home? How long do you want to live there? It is going to be the biggest financial decision you make at this point in your life. You need to take the emotion out of it and look at the numbers. Why have you been unable to save? Do you have a savings plan or budget? Have you looked into how to rehab your credit? What is your plan if you lose your job, or have a special HOA assessment, or have an emergency?

Have you sought financial and credit counseling? I believe HUD offers free financial counseling.

[zzz]

I agree with everyone else, the math does not pencil out for you to buy a place. I don’t believe you would qualify for a 300k mortgage as your PITI as % of gross income will be too high.

Think you need to ask yourself some very tough questions. Are you financially stable and responsible to own a home? How long do you want to live there? It is going to be the biggest financial decision you make at this point in your life. You need to take the emotion out of it and look at the numbers. Why have you been unable to save? Do you have a savings plan or budget? Have you looked into how to rehab your credit? What is your plan if you lose your job, or have a special HOA assessment, or have an emergency?

Have you sought financial and credit counseling? I believe HUD offers free financial counseling.

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I agree with meandale, you are not his employer, he gets paid for the work he does. Would you pay your cleaning lady if she just decided not to show up and skipped cleaning for a week? I wouldn’t.

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I agree with meandale, you are not his employer, he gets paid for the work he does. Would you pay your cleaning lady if she just decided not to show up and skipped cleaning for a week? I wouldn’t.

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I agree with meandale, you are not his employer, he gets paid for the work he does. Would you pay your cleaning lady if she just decided not to show up and skipped cleaning for a week? I wouldn’t.

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I agree with meandale, you are not his employer, he gets paid for the work he does. Would you pay your cleaning lady if she just decided not to show up and skipped cleaning for a week? I wouldn’t.

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I agree with meandale, you are not his employer, he gets paid for the work he does. Would you pay your cleaning lady if she just decided not to show up and skipped cleaning for a week? I wouldn’t.

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sdgrrl, there are a lot of people with unrealistic prices/ expectations and won’t sell unless they can get what they want. we put in several offers last year that the owners were offended by, and ultimately pulled their houses off the market. The thing is, in 2 instances, they wanted to move elsewhere, so I have no idea if they are putting that on hold or not. The homes that are stagnating are not in great condition, do not have a great flow/layout, nor great lot sizes / streets for the prices they are asking. I think its actually quite simple. The houses that are quality at the right price are moving, the others are not attractive in this market because people can’t justify having to settle to that extent and pay that much $$

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sdgrrl, there are a lot of people with unrealistic prices/ expectations and won’t sell unless they can get what they want. we put in several offers last year that the owners were offended by, and ultimately pulled their houses off the market. The thing is, in 2 instances, they wanted to move elsewhere, so I have no idea if they are putting that on hold or not. The homes that are stagnating are not in great condition, do not have a great flow/layout, nor great lot sizes / streets for the prices they are asking. I think its actually quite simple. The houses that are quality at the right price are moving, the others are not attractive in this market because people can’t justify having to settle to that extent and pay that much $$

[zzz]

sdgrrl, there are a lot of people with unrealistic prices/ expectations and won’t sell unless they can get what they want. we put in several offers last year that the owners were offended by, and ultimately pulled their houses off the market. The thing is, in 2 instances, they wanted to move elsewhere, so I have no idea if they are putting that on hold or not. The homes that are stagnating are not in great condition, do not have a great flow/layout, nor great lot sizes / streets for the prices they are asking. I think its actually quite simple. The houses that are quality at the right price are moving, the others are not attractive in this market because people can’t justify having to settle to that extent and pay that much $$

[zzz]

sdgrrl, there are a lot of people with unrealistic prices/ expectations and won’t sell unless they can get what they want. we put in several offers last year that the owners were offended by, and ultimately pulled their houses off the market. The thing is, in 2 instances, they wanted to move elsewhere, so I have no idea if they are putting that on hold or not. The homes that are stagnating are not in great condition, do not have a great flow/layout, nor great lot sizes / streets for the prices they are asking. I think its actually quite simple. The houses that are quality at the right price are moving, the others are not attractive in this market because people can’t justify having to settle to that extent and pay that much $$

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