| Author | Message | ||
     Batthar_bindaas Hero Username: Batthar_bindaas Post Number: 11850 Registered: 12-2006 Posted From: 208.44.237.126 Rating: N/A |
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| Khandada Side Hero Username: Khandada Post Number: 3920 Registered: 10-2008 Posted From: 68.48.33.172 Rating: N/A |
Pmi avoid sesi points (1 point is 1%)kattochu That is tax deductible Two income borrowers kee points workout awudhee But you have to evaluate how much you are saving pmi vs points spreading pmi over a period of five years If you "plan" to re sell in less than 6-7 years don't buy Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall | ||
| Maverick Legend Username: Maverick Post Number: 40538 Registered: 01-2008 Posted From: 98.214.85.176 Rating: N/A |
Yeah,bay area is different,it may vary.sikago midwest scenario cheppa Who is this DB member? | ||
| Netra Megastar Username: Netra Post Number: 21793 Registered: 01-2008 Posted From: 69.239.249.254 Rating: N/A |
10% nuvvu down chesttavu.. first loan 80% isttaru.. Home equity line of credit 10% isttaru.. dhaaniki nuvvu only pay interest and nee daggarunnappudu migathaadhi kattestte better. YSR AMAR RAHE | ||
| Netra Megastar Username: Netra Post Number: 21792 Registered: 01-2008 Posted From: 69.239.249.254 Rating: N/A |
kaani meeru cheppina PMI Bayarea lo work kaadhu.. if you down 10% it comes around 70-72k single family detached ki.. so loan amount 650 paina untadhi.. so PMI will be around 700-800.. so ala kakunda 100K down chestte it comes around 625 and PMI will be around 325.. so def gaa idhi avoid chesi HELOC option chese lender ni pattukovadam better or wait for 20% down.. ledhu ante 7 yrs PMI kattali.. ledhu madhyalo 20% down cheyyali ante appraisal ki povaali and malla re-finance oo ledhaa paatha lender no pattukovaali.. ippudunna low interest untadhanna guarantee ledhu.. standard income, little luck and little thegimpu untene illu bayarea lo.. but illu konaali ante this is the time.. almost 3.5% ante chaala chaala thakkuva interest.. best time to buy home ani chaala mandhi selavichharu maa bayarea lo rent ki dhoaraktledhu.. kondaaniki dhorakatledhu.. YSR AMAR RAHE | ||
| Jalsa Hero Username: Jalsa Post Number: 16338 Registered: 02-2008 Posted From: 24.185.56.67 Rating: N/A |
but veeti annatini top chese intangible things are always there! | ||
| Jalsa Hero Username: Jalsa Post Number: 16337 Registered: 02-2008 Posted From: 24.185.56.67 Rating: N/A |
ee market lo with the kind of low interest rates we have, if the location is right and your immigration status is stable, then go for it. keep in mind that interest being tax deductible etc are very subjective. nenu cheppinattu single earner with 3 dependents ayithe no benefit at all. if you are single/married without kids and buying house, then yes, it might be helpful. if house value appreciates by, say, 5-10% then after few years, if you want to sell, it might be profitable, if you factor in the property taxes, interest, house maintenance costs etc | ||
| Telugu_times Moderator Username: Telugu_times Post Number: 32333 Registered: 02-2008 Rating: N/A |
nee GC status ento cheppu.... tharuvaatha PMI gurinchi aalochiddhaam aada vernon hills lo....looks like lots of homes available to buy | ||
| Jp_rocks Moderator Username: Jp_rocks Post Number: 14313 Registered: 06-2009 Rating: N/A |
Thanks for all of your great advices...PMI anaga emi Mav num email chesa koddiga reply ivvu wanna talk on phone | ||
| Netsaint Side Hero Username: Netsaint Post Number: 5973 Registered: 05-2008 Posted From: 171.159.64.10 Rating: N/A |
jprocks mav ni kalisi tips teesko. he will give u lot of tricks up his sleeve, to save on taxes etc My Telugu Bhakthi Blog :http://gurugeetha.blogspot.com/ | ||
| Maverick Legend Username: Maverick Post Number: 40537 Registered: 01-2008 Posted From: 98.214.85.176 Rating: N/A |
Tax light usa lo.put money on ur parents name Who is this DB member? | ||
| Rudraksha Junior Artist Username: Rudraksha Post Number: 165 Registered: 07-2012 Posted From: 70.181.57.58 Rating: N/A |
on this we have to pay tax in usa so effective amount will be 275 (assuming that 25% tax). so we can still make 150 (if pmi is 125).??? | ||
| Maverick Legend Username: Maverick Post Number: 40536 Registered: 01-2008 Posted From: 98.214.85.176 Rating: N/A |
Pre 2008 buyers mostly will not encourage.blindga no house is good Anukovakarledu Who is this DB member? | ||
| Maverick Legend Username: Maverick Post Number: 40535 Registered: 01-2008 Posted From: 98.214.85.176 Rating: N/A |
Singlr aite std deduction datutundi Who is this DB member? | ||
| Maverick Legend Username: Maverick Post Number: 40534 Registered: 01-2008 Posted From: 98.214.85.176 Rating: N/A |
Pmi vaddu ani usa lo andaru cheptaru,because there is no interest in banks here.say 50k is ur 20 pct down payment,to avoid pmi,but if lender gives u 5% down ok,you may end up paying just 10k for down,rest 40k indi bank lo pedite monthly ateast 350 dollars income vastunnatu ur pmi wil be at most 125.americ lo inti meeda dabbu pedite bayataki tevatam kastam. Who is this DB member? | ||
| Rudraksha Junior Artist Username: Rudraksha Post Number: 164 Registered: 07-2012 Posted From: 70.181.57.58 Rating: N/A |
what is this combination?
if we get 375 back per month, we get 4500 at the end of the year but going 700 above what we are paying for rent we will be paying 8400 additional money than rent. so if we deduct 4500, we need to bear an additional amount of 3900? Is this right or there is a way to get full 8400 back at the end of the year? PMI ela avoid cheyali? | ||
| Jalsa Hero Username: Jalsa Post Number: 16336 Registered: 02-2008 Posted From: 24.185.56.67 Rating: N/A |
brother, how true is this? If you are a single earner with 3 dependents, standard deductions kanna ekkuva kaadhu ga ee interest? so you cannot go for itemized | ||
| Netra Megastar Username: Netra Post Number: 21791 Registered: 01-2008 Posted From: 69.239.249.254 Rating: N/A |
first go to realtor and lender.. take advice from them.. nee financial situation neekanna inkevadiki baa theliyadhu kadha.. so dhaanni lekkaloki teesko and then digu.. nee salary lo eppudu gurttu pettukovalsindhi 50% cross cheyyaneeku mortgage payement..worst scenario lo 6 mnths money undettu pettuko.. try to avoid PMI endhukante it is not tax deductable. Find a lender who can do 80-10-10 combo and less than 100K aithe HELOC (10%) is tax deductable.. so plan things accordingly.. naa research prakaaram 2000 rent kadithe 2700 mortgage + property tax kattina no issue since aa 2700 lo atleast 1500 dhaaka tax deductable and you get money back at the end of the year (at least 10 yrs).. suppose 25% tax bracket lo unte u get 375 back.. Truelies cheppindhi guddigaa follow ayyipo.. 2 yellalo ammestta ante pichha kasttam.. konadam ammadam chaana pedda process ee vamerica lo YSR AMAR RAHE | ||
| Netsaint Side Hero Username: Netsaint Post Number: 5970 Registered: 05-2008 Posted From: 24.127.230.135 Rating: N/A |
Jprox, née manasuki purse ki haayiga anipinchey pani cheyyuu. Whether u buy or rent continue it's ur final call but don't regret. Be happy in what ur doing, it's ur life live for you not for someone else. 1 day king is also a king , than a 1000 day manthree. My Telugu Bhakthi Blog :http://gurugeetha.blogspot.com/ | ||
| Komaranna Side Hero Username: Komaranna Post Number: 2959 Registered: 07-2010 Posted From: 98.223.88.58 Rating: N/A |
true tamud aripinchav...maa brother guda same advise ichhadu..mn lo loss ki ammi desam ki jump sesadu | ||
| Maverick Legend Username: Maverick Post Number: 40530 Registered: 01-2008 Posted From: 98.214.85.176 Rating: N/A |
Jp Oo sari naumber mail cheyy. Bitnbyte gmail Who is this DB member? | ||
| Truelies Side Hero Username: Truelies Post Number: 2167 Registered: 05-2012 Posted From: 74.237.6.152 Rating: |
2 years is very very very short period to do this comparison and own a home..better stick to rental home. - don't buy a home unless you got GC, or at least EAD. - don't buy a home if you don't have long term plans staying in US. (long term means literally long term..like 10/15 years) - if you buy a home on visa, you never know whether you will get visa stamped next time. visa officer doesn't care whether you own a home here or renting. - imagine if visa got rejected for some damn reason.. - even though on paper it looks same paying rent & mortgage, but in reality you will end up paying more with mortgage,(closing costs, doc fees, attorney fees, maintenance, property taxes, etc etc) - your spending will be more with own home..furniture, appliances, electronics...what not... - probably you can rent a home close to your work, where as buying a home with same proximity to work is difficult...(probably depends on city)..you need to go bit far to buy a home..keep in mind gas @ $4/gallon..so budget this in your expenses. - after 2 years don't except someone will walk-in and buy your home and clear your mortgage in this economic conditions. it might take 6-months or 1-year after listing your home. - if you go for quick sale, you need to reduce price drastically where you lose money. | ||
| Megastar Username: Twitter Post Number: 22286 Registered: 10-2009 Posted From: 69.118.124.89 Rating: N/A |
ignore that link that is for mobile.. this is correct link http://www.youtube.com/watch?v=YL10H_EcB-E http://www.youtube.com/watch?v=QA2TBiIsdT0&feature=relmfu | ||
| Megastar Username: Twitter Post Number: 22285 Registered: 10-2009 Posted From: 69.118.124.89 Rating: N/A |
mama visa status pakkanetti mana khan kurrod explaination choodu 2 parts untadhi..it make sense anipinchindhi http://m.youtube.com/#/watch?v=YL10H_EcB-E&desktop_uri=%2Fwa tch%3Fv%3DYL10H_EcB-E&gl=US | ||
| Rekkadithe_gani_dokkadadhu Side Hero Username: Rekkadithe_gani_dokkadadhu Post Number: 3807 Registered: 01-2010 Posted From: 67.163.149.59 Rating: N/A |
mama chudu mama....nee rent pay chestunnav every month...check against how much u r mortgage...ivanni chudu....for ex if u r payning 1000 rent and mortgage is 1500...plus job is secured and fixed in one location..I can go for it....also make sure about u r visa status, oka sari edina stamping ki velli india lo irukkupoyam ante chala ghoram avutundi situation...general ga andaru EAD vachaka kontaru...or FT job no job lay off issues, visa issues aithe go for it. It is easy to float along with a smile when life is as sweet as a song, but a man worthwhile is one with a smile when everything goes dead wrong" - S.N. Goenka | ||
| Ntr_rocks Moderator Username: Ntr_rocks Post Number: 37855 Registered: 04-2009 Rating: N/A |
Jpio... nuvvu AllState ki work chestava ?? This DB needs better class of Hater, Pyscho and Sadist. | ||
| Jp_rocks Moderator Username: Jp_rocks Post Number: 14312 Registered: 06-2009 Rating: N/A |
bump to jamajattis | ||
| Methati_idly Side Hero Username: Methati_idly Post Number: 2417 Registered: 01-2012 Posted From: 24.13.197.14 Rating: N/A |
yep | ||
| Jalsa Hero Username: Jalsa Post Number: 16321 Registered: 02-2008 Posted From: 24.185.56.67 Rating: N/A |
Methati_idly = jp_rocks? | ||
| Methati_idly Side Hero Username: Methati_idly Post Number: 2416 Registered: 01-2012 Posted From: 24.13.197.14 Rating: N/A |
example ga seppa..1300 min ettali for a decent th ee month end inka avaledu kada  anyways sthanx babai inka leche unnava? repu morn call seskunta awesome advice babai, thank u.....there is no love lost or gained with this house..just rent pay chese badulu same amount ki buying opportunity explore chestunna.....nenu move ayye lopu pay off chesesta 99%, so looking at this more like an investment/rental opportunity than anything else (Message edited by jp_rocks on September 09, 2012) | ||
| Linkmaster Megastar Username: Linkmaster Post Number: 29023 Registered: 02-2008 Posted From: 98.214.146.140 Rating: N/A |
calling sesuko... ee month end ki nenu akkade okati konna | ||
| Jalsa Hero Username: Jalsa Post Number: 16316 Registered: 02-2008 Posted From: 24.185.56.67 Rating: N/A |
1000 ki townhomes rental aa? Sooper | ||
| Xxx Side Hero Username: Xxx Post Number: 3105 Registered: 04-2009 Posted From: 166.82.172.153 Rating: N/A |
School district, resale, how safe ? etc etc .. how far it is for your work space is irrelavent for resale , that is only for your convinience .. it is better to buy a below average home in a right location than a super house in bad location Buying a house ties you to the place , you cannot move if you like to, also places like chicago are cold , down few years , with kids you may want to move to south and you may have to sell the house denmark lo ilantidhi jarigi unte nuvvu help sesthavu ante nenu namma...ye pak/bangla nunchi vacchanu ani seppesi dobbese vadivi...Hater | ||
| Jp_rocks Moderator Username: Jp_rocks Post Number: 14311 Registered: 06-2009 Rating: N/A |
Naperville is way too far from our burb bro...it is a freaking long drive to nville  | ||
| Qdoba Side Hero Username: Qdoba Post Number: 2835 Registered: 03-2012 Posted From: 199.19.107.181 Rating: N/A |
Bro, Naperville too good vuntadi area....you might want to check it out. | ||
| Jp_rocks Moderator Username: Jp_rocks Post Number: 14309 Registered: 06-2009 Rating: N/A |
 tT babai short sales and foreclosures meeda mee abhiprayam enti | ||
| Jp_rocks Moderator Username: Jp_rocks Post Number: 14308 Registered: 06-2009 Rating: N/A |
Location location location voke, from which perspective? Resale aa leka proximity to work aa We are hell bent on a location, ma realtor emo koncham side ki elte keka updates untai antondi..aa side ki elte no life, anni fields but illu keka unnai I dont wanna drive 5 mi for a walmart..but ademo u r young, if i were u i'd have no problems in travelling an extra mile for a walmart if i am getting good appliances etc antundi..she has a point but like u said location light annattu.. | ||
| Jp_rocks Moderator Username: Jp_rocks Post Number: 14307 Registered: 06-2009 Rating: N/A |
Chicago burbs babai..precisely vernon hills and mundelein | ||
| Rekkadithe_gani_dokkadadhu Side Hero Username: Rekkadithe_gani_dokkadadhu Post Number: 3806 Registered: 01-2010 Posted From: 67.163.149.59 Rating: N/A |
sikaaggooo It is easy to float along with a smile when life is as sweet as a song, but a man worthwhile is one with a smile when everything goes dead wrong" - S.N. Goenka | ||
| Telugu_times Moderator Username: Telugu_times Post Number: 32308 Registered: 02-2008 Rating: N/A |
3 things in real estate..... Location Location Location which city is this? | ||
| Jp_rocks Moderator Username: Jp_rocks Post Number: 14304 Registered: 06-2009 Rating: |
Age and guage unna uncles, youngu bill raajas, uuuth couples koddiga advice kottandi given scenario lo Scenario: you know you are going to live in a place for 2 yrs min..town home rental $1000 undi, for suppose..u have an option of buying the same town home or even a single family home for the same $1000 (this includes mortgage + taxes + home owner insurance + association/assessment fee per month) What would u do and why? Konalanna temptation undi at the same time visa bathukul, seriously in a big dilemna |
