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	Comments on: First steps for first-time homebuyers	</title>
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	<link>https://www.livingwellonless.com/2011/04/04/first-steps-for-first-time-homebuyers/</link>
	<description>Simply Frugal. Simply Healthy. Simply Happy.</description>
	<lastBuildDate>Wed, 13 Apr 2011 15:17:24 +0000</lastBuildDate>
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		<title>
		By: Jenny Girl		</title>
		<link>https://www.livingwellonless.com/2011/04/04/first-steps-for-first-time-homebuyers/comment-page-1/#comment-39817</link>

		<dc:creator><![CDATA[Jenny Girl]]></dc:creator>
		<pubDate>Mon, 04 Apr 2011 19:28:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingwellonless.com/?p=4415#comment-39817</guid>

					<description><![CDATA[Great article! My fiance and I are about to start the process of buying our first home and this was all great information. Thanks for posting!]]></description>
			<content:encoded><![CDATA[<p>Great article! My fiance and I are about to start the process of buying our first home and this was all great information. Thanks for posting!</p>
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		<title>
		By: Eden		</title>
		<link>https://www.livingwellonless.com/2011/04/04/first-steps-for-first-time-homebuyers/comment-page-1/#comment-39816</link>

		<dc:creator><![CDATA[Eden]]></dc:creator>
		<pubDate>Mon, 04 Apr 2011 16:55:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingwellonless.com/?p=4415#comment-39816</guid>

					<description><![CDATA[Great post!!!

I just wanted to clarify that you actually qualify for THREE free credit reports a year, one from each of the three credit bureaus.  I&#039;m sure you know that, Karen, but someone unfamiliar with the process might not, and it&#039;s important to check all 3 annually because they can vary.]]></description>
			<content:encoded><![CDATA[<p>Great post!!!</p>
<p>I just wanted to clarify that you actually qualify for THREE free credit reports a year, one from each of the three credit bureaus.  I&#8217;m sure you know that, Karen, but someone unfamiliar with the process might not, and it&#8217;s important to check all 3 annually because they can vary.</p>
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		<title>
		By: Kacie		</title>
		<link>https://www.livingwellonless.com/2011/04/04/first-steps-for-first-time-homebuyers/comment-page-1/#comment-39815</link>

		<dc:creator><![CDATA[Kacie]]></dc:creator>
		<pubDate>Mon, 04 Apr 2011 15:22:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingwellonless.com/?p=4415#comment-39815</guid>

					<description><![CDATA[OH and if you find a few properties that you are REALLY interested in, to the point where you are considering putting in an offer, you can call the utility companies and find out what the average gas and electric bills are for the house. That way you won&#039;t be surprised.

We did this for a house we almost rented. The landlady was way off in how much she said the gas bill was. By like $300/month. Yeah, we passed on that one.]]></description>
			<content:encoded><![CDATA[<p>OH and if you find a few properties that you are REALLY interested in, to the point where you are considering putting in an offer, you can call the utility companies and find out what the average gas and electric bills are for the house. That way you won&#8217;t be surprised.</p>
<p>We did this for a house we almost rented. The landlady was way off in how much she said the gas bill was. By like $300/month. Yeah, we passed on that one.</p>
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		<title>
		By: Kacie		</title>
		<link>https://www.livingwellonless.com/2011/04/04/first-steps-for-first-time-homebuyers/comment-page-1/#comment-39814</link>

		<dc:creator><![CDATA[Kacie]]></dc:creator>
		<pubDate>Mon, 04 Apr 2011 15:21:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingwellonless.com/?p=4415#comment-39814</guid>

					<description><![CDATA[Good stuff! Did the pre-qual lenders tell you what your closing costs would be if you went with them? Sometimes it can vary a lot across lenders!]]></description>
			<content:encoded><![CDATA[<p>Good stuff! Did the pre-qual lenders tell you what your closing costs would be if you went with them? Sometimes it can vary a lot across lenders!</p>
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		<title>
		By: Mrs. Money		</title>
		<link>https://www.livingwellonless.com/2011/04/04/first-steps-for-first-time-homebuyers/comment-page-1/#comment-39813</link>

		<dc:creator><![CDATA[Mrs. Money]]></dc:creator>
		<pubDate>Mon, 04 Apr 2011 13:44:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingwellonless.com/?p=4415#comment-39813</guid>

					<description><![CDATA[Yay! I looove house hunting.  Sometimes I still do it. I&#039;d like more property than we have... Then I think of the costs for selling and buying, and that squashes it pretty quickly!  

How exciting!]]></description>
			<content:encoded><![CDATA[<p>Yay! I looove house hunting.  Sometimes I still do it. I&#8217;d like more property than we have&#8230; Then I think of the costs for selling and buying, and that squashes it pretty quickly!  </p>
<p>How exciting!</p>
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		<title>
		By: Kayla		</title>
		<link>https://www.livingwellonless.com/2011/04/04/first-steps-for-first-time-homebuyers/comment-page-1/#comment-39812</link>

		<dc:creator><![CDATA[Kayla]]></dc:creator>
		<pubDate>Mon, 04 Apr 2011 12:32:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.livingwellonless.com/?p=4415#comment-39812</guid>

					<description><![CDATA[These are great thoughts!  I would just like to add to make sure to save 1-3% of the home&#039;s value each year for maintenance costs.  They add up quickly!  Lawn mower, snow shovel, seeds if planting a garden, HVAC repairs, roof, appliances, etc....

I agree with Dave Ramsey that you should have at least 3-6 months of expenses in the bank before purchasing a house.  The peace of mind is totally worth it!  Looks like you are doing this too. :)]]></description>
			<content:encoded><![CDATA[<p>These are great thoughts!  I would just like to add to make sure to save 1-3% of the home&#8217;s value each year for maintenance costs.  They add up quickly!  Lawn mower, snow shovel, seeds if planting a garden, HVAC repairs, roof, appliances, etc&#8230;.</p>
<p>I agree with Dave Ramsey that you should have at least 3-6 months of expenses in the bank before purchasing a house.  The peace of mind is totally worth it!  Looks like you are doing this too. :)</p>
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