r/FirstTimeHomeBuying

2 weeks (13 days) from closing date on contract. Seller just said they want to push closing back to let kids finish school. They didn’t give a date, just said to finish school. So could be 20-30+ days. Inspection done and waived asking for no concessions or repairs. Earnest money sent and deposited. Told my realtor to find out what date they need. Worth asking for anything at this point?

Live at home rent free so doesn’t really effect me in anyway, just annoying when I want to move out.

Joked to the realtor that they can pick any day if they give a credit to buy down my rate with points.

I am currently in the process of buying a home. In fact the loan is currently conditionally approved pending two things: the appraisal (which is ordered and I know will go well) and the other is needing documented proof of a payment plan from the IRS for the money I owe after filing my 2025 taxes.

I have absolutely no problem paying off what I owe or setting up a payment plan, but the IRS has nothing processed for 2025. So I'm unable to set up a payment plan and I can't even make a payment towards what I owe that the lender would accept. I have a general idea of what I owe, but an extra $800-1100 debt doesn't look good on paper and especially if there's no plan in place to pay it off. And, from what I can find online, it looks like the IRS usually doesn't get everything processed until the end of May to mid-June which is not going to work because I need a payment plan sometime this week so we can close May 13th.

I'm worried that this is going to end up ruining the chances of closing on the loan. Am I really going to lose the loan or am I just dealing with house-buying jitters?

For context a little: My townhouse rent went up 800 usd instant. No notice nothing. Im in the urge of moving out as rent will be 2600 now for renting. I live with my parents and I pay half rent but have no saying in the house nor can put any rules. Struggle for parking, don’t have social life as can’t bring anyone over. Constant family problems.

I have 780 credit score. 29 year old,Reliable stable job 3+ years. Have good amount for 3-5% down payment. And I can handle a 2,500 monthly payment easily(getting at least one roommate/housemate)

My concept to what I gathered from Reddit and people.

*go to a credit union and apply for a loan. They will let me know how much I qualify for.

*Start looking for houses in that price range.

*pay down payment and closing cost.

Am I missing anything else? Is it really this easy??

Any advice is appreciated as to new to all this and really stressed out about all this. Also are there any programs I can look into to save some money?

Location: Washington state, USA

[supprimé]

So please correct me if I’m wrong.
I really was expecting our realtor to educate us, and walk us through the best steps for the process of buying a house. I was hoping we would get to sit down and tell the realtor what we wanted and they would help us from there.
But nope.
I feel like I am constantly googling and teaching myself, and going in completely blind to each house we see. I’m constantly looking at Zillow for houses to go see, but I thought the realtor would be looking for houses for us.
We put in an offer on a house and the realtor was no help at all on what to put in the actual offer, and it was us bringing up what we wanted (sellers covering closing costs, inspection, etc.) And then I feel like our realtor gets mad at us for not knowing how this all works (I’m 22 and a first time homeowner). Is this just a bad realtor or is this normal?

Looked pretty hard for a first house for the last several months and finally found one we wanted to buy. Made our first ever offer.

House had 8 other offers and sold for 75k over asking. Successful buyer waived all contingencies and included a big non-refundable earnest money.

Are we going to run into this craziness the next time we find a house we like?

I’m a first-time home buyer using an FHA loan on a house with known major systems issues (old roof and ACs).

My preferred strategy in general is to start with a lower offer + strong concessions and use clear tiered escalator language so the purchase price only increases by the actual cost of repairs if the seller agrees to fix the major items. This keeps my leverage and prices the known risks upfront. Especially in this sale (court ordered under special magistrate control).

My realtor strongly prefers the conventional approach: start close to or at list price, get the contract signed quickly, then negotiate repairs during the inspection period. She repeatedly uses lines like “you can’t lowball and ask for concessions — it’s one or the other,” prefers verbal offers on anything below list, and seems irritated when I push back for the structured lower offer.

As a first-time buyer, I expect my agent to act in my best interests and negotiate as if it were her own money — proactively using the known defects as leverage from the very first offer. Instead, she keeps steering higher, which makes me feel like she’s prioritizing an easy close over protecting me from overpaying for known repairs.

Am I being unreasonable or too aggressive? Should a good buyer’s agent be more willing to fight for a buyer-protective opening structure, or is her “start high and negotiate later” method the standard and acceptable way?

I don’t necessarily feel like she’s trying to be in my pockets or maximize her profits but I do feel as though there is an urgency to just close a deal as opposed to making the deal right for me and my family.

Edit: for all of those attacking me, I’m well aware that this is not the most practical approach to getting a deal, signed and done, but I do feel that it is the most practical approach to protecting myself as a buyer, even if it isn’t what a realtor is comfortable doing. If that’s wrong of me then I guess I’m just wrong.

Edit 2: Special Magistrate responded to my realtor. The counter offer was list price and 3% concessions or 3% off the list price. She said he made no further mention of fixing the roof or offering the estimate in seller credits. On to the next one!

I am in the home buying process. I made a full price offer on a home for 139,900 no concessions, I made a full price offer because someone before me offered 137,000 and she declined it. The inspection was just done and furnace was listed as end of its lifespan. and AC is shot as well. I knew this going in so not a surprise, I am going through a lender called NACA and I will be rolling cost of furnace and ac. This was my original plan going in because when I viewed the house it was evident that the furnace was at least as old as I am . So my question is, should I even bother to ask for any kind of credit towards the furnace or should I not rock the boat ?