im 19 and looking for my first house?
820301
19 and looking into the future..\nThat is a great start my young grasshopper....\nYou are on you way to big adventures if you are smart with your decisions...\n1st you need to evaluate your expenses becasue if you do not have the money, you can not do it....\nIf I were you start looking at prices and conditions, meaning size of house, bedrooms, bathroom, lot size, taxes, insurance, etc...\nNow start saving $5000 per year, and in 5 years you will have $25,000 to put down on a nice home.....The more you put down the better loan you will get and easier process.\nYou have to calculate what you make a year and to see if you can afford the Mortgage, taxes, and insurance, etc....\n\nI bought my 1st home when I was 27, I put $20,000 into it, and now I own 3 more houses...\n\ngood luck
944494
i think working and earning money is a good way to learn the value of money and how to be responsible with it.....16 is probably a good time to start.....but really your never too young if you have the desire and the right type of job...i would suggest at 15 that you can start as a check out chick at a supermarket....but if mum says no help her around the house to earn a little pocket money.....that way she will be able to see that you are responsible enough...and who knows maybe she will change her mind.....
840104
Two quick suggestions. First you should look for another job. It won't really matter if you own or rent; you will either loose your home and have bad credit or have an eviction on your record. As far as buying a home is concerned I would not unless I had 6-12 months emergency funds for mortgage, taxes, insurance, utilities, food, gas etc and you had another job lined up.
440518
Whenever you do something for the first time, it's good to seek professional advice.  All the better when you do not have to pay for it.   In the case of purchasing your first home, there are many factors to consider (condo, coop, single family home, duplex, multifamily home).  Much of that will be answered by your budget.  Remember Location, Location, Location.  Buy in the best location for resale purposes.  \n\nNow that you've narrowed things down a bit, ask friends or visit open houses and find a good realtor in your area.  Find an experienced one (usually, they will have been in business for a number of years and do it full time).  Now that you have a good realtor, work with them.  They want to make a sale and the seller is the person that pays the broker.\n\nReal Estate Agents are up on the latest developments in mortgages and finance.  They will be able to tell you about first time buyer programs, adjustble rates etc. \n\nGood luck.  I believe owning property is the best thing you can do to protect your future.
626095
If you're in California you may want to visit CalHFA. They have a variety of 1st time home owner assistance program
1156807
All these answers are fairly good. Find a Real Estate office or two and "adopt" them. Go to their weelky sales meetings. Give out pens. Sponsor "Home Buyer" seminars. Be a public Speaker for any group that is available. Never visit RE offices on Fri afternoon. No one there except the"Floor Agent".  Although that may be a first relationship for you. Talk to everyone. Wear a name tag everywhere. Never dress sloppily even when in the grocery store. Never High Pressure for leads.\nWe always need lenders. Primary and secondary markets. \nGood luck.
786643
if ur 16 you can sign papers yes & you dont wanna b on your own young...get a job and save but if thats no option & problems at home you may be alone at 16...but i dont advise u 2 @ all till ur completely stable in life im almost 19 & I am not!!!!!!!!!!!!!\nvery soon tho =]
515723
In the long run? Nope. \n\nI advise you to get a student loan and live without extraneous responsibilities like mortgages for a while - enjoy life, and educate yourself in your formative years in a way that only people without heavy responsibilities can do - what if you want to travel, or move in with a lover in that time? The essence of education is autonomy, travelling light and discovering the world, not being tied down to some place you bought two years ago. Move around the city in which you study. Meet new people, live with them, see how other people live. I won't labour the point - I think you get the idea.\n\nThen graduate with a great degree and eventually when you can put it off no longer get a mortgage at lower interest rates because you have a degree and therefore more earning potential than someone without one.... don't worry, once you have your degree you will be earning loads more and you will have had a great fancy-free time at university and stories to tell your future employers in interviews. It is important to be agile and be able to move around early in your career, sampling different experiences.\n\nI am from England by the way, so assuming you live in the USA it may be a bit different.
1143255
Good for you, Brian, that you want to earn some walking around money! The usual suggestions of paper route, mowing lawns, a dog walking service, errand boy for older neighbors, carwashing could work for you, and so could stock boy at a mom-and-pop supermarket, McDonald's or any fast food restaurant may make you wait until you're 16, but it wouldn't hurt to check. Good luck, Brian. You'll probably own a successful business in your thirties!
1147616
Do you have a job?  Or are you going to college?  I would suggest going away for college, at least 20 minutes away.  Your parents will physically have less control over you because you will be on your own and be able to do as you wish.  You will also meet tons of people in college and obviously it is good way to find yourself and figure out what kind of career you want.  You are 19, a legal adult.  You have every right to make your own decisions now.  The sooner you break away, the sooner your *own* life can start.  Good luck!
568663
Try contacting your local Housing & Urban Development office or FHA office.  They've got some great programs for first time home buyers available IF you qualify.  When buying a house--look before you leap, measure twice and cut once, easy does it and save for a rainy day are all good rules to follow!  Why?  Just because a house has a great bathroom doesn't make it a great investment--look honestly at it.  Does it need a lot of fixing up?  Are there any hidden things wrong with it?  Get an inspection done by a qualified building inspector before you buy!  Make sure this house is going to fit your need for space for at least the next 10 years.  Most affordable loans are for 15 to 30 years--is there enough room for the family in that time?  Don't want to get stuck needing to add on in a year and not being able to afford to or not having the room to add on because your addition will exceed your property lines!  Don't go into massive debt for a house--yes it's a big investment and a big responsibility, but don't go buying a palace if all you can afford is a mobile home!  Save your money!  Every penny you can save will help you out and help lower your debt--if you apply it wisely!  That extra money from Aunt so & so--add half of it to the next monthly payment.  Put the other half away for home repairs--you never know when you'll need to call the plumber or the electrician or some other repairman!\nGood luck and happy home hunting!
966992
Allright, I don't mean to sound like I'm preaching but this is truly what I would advise someone that is 19 years old.  Although I can imagine you really would want some extra cash right now you should think of the long-term picture.  Imagine if you're having a tough time right now, how you would be able to support a family when you grow up.  You really need to upgrade your skills so you can get a better job and the best way to do that is go to school.  I would suggest that you continue staying at home, work and try to save up money and try to get into a good college.  Hopefully with a combination of financial aid, loans and savings you'll be able to get a degree that will allow to move upto a job that pays significantly more.  I used to deliver pizzas when I graduated out of high school, but was able to go to college at the same time since my job was mostly working evenings/nights.  I graduated with a computer science degree and paid off all my college loans within two years after I graduated and worked another two years to save some money.  I then went to graduate school for an MBA and currently earn well over $100,000 and have a net worth over $500,000.  I am not telling you this to pound my own chest but so that you understand that it is very possible and that it really pays off to think of the longer-term.  I hope this helps and sorry I didn't answer your question directly.
855701
Whenever a fledgling leaves the nest there is concern over whether they can cope or not. Since you are planning on remaining in the same general area and in contact with family and friends there is no reason why you should not rent somewhere for yourself.\n\nYou may find it is easier dealing with the people who make you angry when you dont have to live with them and can just walk away and go home to somewhere else.\n\nSome people do far better emotionally living independantly. You may be one of those people.\n\nYou have discovered the hard way that some problems do take two people to solve and the other person does not always want to resolve anything. The only person you can change is you. The only person you can control is you. \n\nIt is a mature decision to remove yourself from a volatile situation. I would suggest that you do get some counselling as well just to give you some support while you start off your new life as an independant adult.\n\nEarning $400 per week means you should be looking for a rental that is less than $200 per week so you have some money for other expenses. It wont be easy and you wont have much to splash around on fun things but you will manage if you are careful and a bit wise.\n\nYou will need the equivalent of 4 weeks rent for bond and you need to pay 2 weeks rent in advance as well. You will also need money to have power connected and for phone connection. This means that for a $200 per week home you will need to have saved $1300 minimum to get you started. \n\nIf you do not already have some furniture you can choose to buy just the absolute essentials to begin with and add other things later. Check the trading post newspaper each Thursday and read the weekend paper classfied for garage sales to pick up some bargains. \n\nMost of all just take a deep breath and go out there and have yourself a big adventure! And enjoy the process.
1006268
check to see if your state has a first time home buyers grant. these are given to encourage people to stay in their state for a minimum of two years. Look it up.
46248
Home ownership is probably going to be your first obsticle. It is VERY competitive down here and you want to get yourself a good real-estate agent to find a house that is going to be in your price range.\n\nIt will depend on what kind of lifestyle you are used to living as to how much you will need to live in Orlando. I would say that living fairly comfortably $80,000/year is about what you would want to make but you could get away with making $60,000 if you skimmed in some places (didn't go out as much, ate at home, etc...).\n\nMost of the people that I know that live here in Orlando in the community that I live in are retired from other parts of the United States and make more money than what I do. I make a bit less than $80K but I just have my wife and myself. If I had four kids I would need at least $100,000 to live the life my wife and I enjoy now.
449516
The law most likely says that you cannot. Often times, you must be 18 or older to find a place to live or have utilities. Then most places have a credit check...odds are that you have none.
552925
I moved out at 16 but I wouldnt advise moving out that early, between 18 and 21 is a good time but I wouldnt stay past 21 if possible