Here are some "stats" to help you answer the above question:
Adam: Age 25
Katie: Age 24
Married: Almost 2 Years
Pets: 1 Dog
Properties Owned: 0
Current Residence: 1 Rental Property
Questioning Status: Should we BUY A HOUSE?
Experience in this department: 0, Zilch, Nada!
Adam and I recently met with a good friend who is a financial advisor. We found out some really good (well GREAT) news--WE CAN BUY A HOUSE! It certainly will not be our dream house BUT it can be a house..a house we will actually own! This thought alone gives us butterflies in our stomachs and headaches all at the same time.
We have so many thoughts..
How long do we plan to stay in VA?
Will Adam's business be around in 5, 10 years?
Do I want to finally become a teacher or keep the job I have now?
How far do we want to commute to work?
Is it better for our monthly payments to go towards an investment vs. our landlord's pocket?
Should we start a family first or buy a house first?
What's more important to us..the property the house is situated on or the quality of the interior of the home?
Mountain view vs. wooded setting vs. 1950's neighborhood?
Lynchburg or Forest VA?
Can we even pay for the down payment?
How would we furnish an entire house?
Should we only look at houses with a fenced in yard or is this something we can afford to install ourselves?
Is it smarter to buy a cheap, fixer-upper or spend the money we would potentially put towards renovations on a home completely move-in-ready?
Bi-level or ranch?
Country living or downtown city area?
What counties have better public school systems?
Do we want to send our kids to private or public?
How close is "too close" to my in-laws?
Should we really give up our amazing rental..our first home together..with so many of our precious memories?
Are we too young to be responsible for a house?
How can we better educate ourselves on the taxes owning a house would require..and the insurance we would need?!
Is it wiser to continue renting and keep saving saving saving?
If we buy a "starter home"...can we sell it in 5 years or get stuck?
Do we have enough money to replace a roof and all windows of a house?
Can we fit a second dog in this home as well as a baby?
Are we C R A Z Y ?
YES I THINK WE ARE.
Friends, this list was typed out in less than 5 minutes. Do I have more questions, concerns, and thoughts--HECK YES! Did I want to bore you with every single one of those--NO WAY! I will simply state that the current "If, And, or But" list in my head goes "To infinity and BEYOND!"
It is impossible to have answers to all of these questions. One thing Adam and I know for sure is to bring everything to the Lord. We need to pray about a house. That's it. God always sends us an answer..sometimes it is almost immediate, other times it takes years. Adam and I have to be patient and pray and keep God the number one priority in our home. We know the market for buying homes is awesome right now..we know..is it the right time for us? Only God knows. We look at our parents as examples and see my folks rented for 10 years before purchasing their first home..the home they still live in today. How did they know this would be the location they would have their children raised in and be content in as they grow older? I think it was a leap of faith. Can anyone really know a house is the perfect match for them in the perfect town/county/state to live and grow old in together? Maybe. Do I have that answer at the age of 24--NOT EVEN CLOSE! Faith. Prayer. It will happen..all in God's timing. Is it sometimes hard to wait for His timing--YES! We are human, it's only natural. Marriage is such a unique bond as well and there is never a dull moment! Adam has his "likes" and "dislikes" about a home and I have mine. Luckily for us, most of ours match but not all. Who should give in on their wants? When should you stand firm on your opinion? Friends, all I can say is I am so thankful to have God in my life and in my husband's life to help us with these decisions. Adam and I have had a really fun time checking out the local listings on Zillow, Trulia, Craigslist, and Yahoo--it really has been a WOOHOO experience :) Will this process always be fun?--PROBABLY NOT. It's a scary thing and the BIGGEST commitment Adam and I will make together..well, besides the whole marriage thing even though that decision was the easiest in the world to make!
I hope you do not mind my ramblings. I am on cup #2 of my delicious Eight O'Clock Hazelnut coffee and with every sip, I feel my mind racing faster and my fingers typing more rapidly. As I look up from my laptop, I see my dog sleeping curled up in a ball on the couch and I see two of the most sweetest girls sound sleeping all cuddled with blankets and pillows on an air mattress I have in my living room. My life at this very moment is peaceful and I am truly blessed. Am I just minutes away from checking out more houses online?--OH YES! And I am happy to report it's with a big smile on my face.
Now comes the part where I need you..yes, you, the one reading these very words. I am curious to know if you are currently in my shoes with the whole "should we buy a house?" and what some of your thoughts are on the matter. I would also LOVE to hear from those of you who have purchased a home..or two, or three! Any advice you can give Adam and I? Encouragement is always welcomed with open arms ;) If you have any input to give, I would love to read it. Your comments are so dear to me and I look forward to each and every one.
I will leave you with this question to ponder..
Are we C R A Z Y ?