u/Imaginary_Dish_3265

Hi,

I was just quoted $2k-3k to get my dog's teeth cleaned. He is 7 years old and has gingivitis.

We are buying a house and definitely cannot afford this. Are there any clinics associated with nonprofits who offer sliding scale dental care? Thanks so much.

Hi there,

I want to replace our garage door with either a sliding glass door or French doors with sidelites, as part of a garage-> art studio conversion. Looking for recommendations for people who can do this, hopefully they have reviews I can read, and for a reasonable price. Thanks!

Hi all,

Thank you for the help on this FTHB journey. I was given these loan terms from a TSHAC approved lender. I'm wondering if this is a good option long term or if I should try to get a conventional loan with a possibly lower rate.

With a down payment assistance program, they are offering us 5% DPA on a 3 year forgiveable loan= $14,475

Loan amount= $289,500 at 6.875%

1% origination fee.

This is the Sweet Texas Home Loan program. Only 3.5% down payment is required, so they said we could use the other assistance for closing costs.

Have you received better loan offers?

For context, we make $144k/year, have 41k saved, and are looking for houses under 300k.

Thanks so much for your help!

Hi Reddit community,

My partner and I (both 38 y/o) are considering buying a house in Dallas- either south of White Rock Lake or in Oak Cliff. We both make 70k/year and have 40k in a savings account- earning 3.5% interest. We just started putting in $1200 a month into savings- so we're saving $28,800 each year in that account. We also both have 401ks but we've only both recently been employed full time, so we each only have around 6k in those accounts.

We want to buy a house for the lifestyle. We're currently in a duplex, and we love our neighborhood, but we don't like sharing a porch and being in such close proximity to our neighbor. For context- the unit next to us is overpriced and the neighbors usually only last a year.

We do love that maintenance will fix our sinks and major issues on their own dime. Our current rent is $1900/month and we've been quite able to travel and eat out at nice places occasionally.

My question is- how can we buy a house and not be house-poor? Most of the houses we like are around 280-300k. We've decided 300k is our maximum.

I hear a lot of people saying it's better to invest money in the stock market than buy a house right now. Current mortgage rates are around 6.8.

Should we even be looking to buy right now? I'm also concerned housing prices will continue to climb.

I don't know who can answer these questions, because mortgage lenders/realtors will want us to buy, and investment managers might want us to save/invest instead.

I guess I'm just looking for some guidance.

Thanks so much.