u/NeemieFlo

We have good income and a well funded emergency fund, just not as much saved for down payment. We would have no issues financing the loan or being approved by the bank because our credit scores are amazing and our finances are in order, but of course the seller doesn't know that and maybe we're jumping the gun too early. Would prefer to move sooner than later, but wanted to see if there was any real current experiences anyone has had purchasing a home with a lower down payment.

Just as the title says. We love everything about this house, but solar panels are leased. I don’t know the terms or anything yet. Was just wondering what our options are with a lease as the buyer. Can the sellers somehow get out of it? Should we negotiate lower price? Should we even touch this house with a 10ft pole?

We are first time homebuyers and were recently pre-approved for $425k with $21k down (we want to put 30k down though). We both have VERY excellent credit scores, both around 800 (it's like 803 or something). Like I said, never owned a home before. No debt. We received an interest rate of 6.6% and we've only gone to one lender so far. I just wanted to put this out for fun to see if this all seems normal? We've never done this before, so any advice would be great.

I don't know if I'm being unreasonable, but I feel like it's like pulling teeth to get our mortgage lender to do anything for us. We just started this whole process a few weeks ago. We reached out to a recommended real estate agent who pointed us in this lender's direction. We spoke with her almost immediately and she was so nice and accommodating. We filled out the pre-approval application and she said she'd be in touch. I had a couple questions the next day that she answered right away via text. Then about a week goes by and we hear nothing from her. I text her that Monday, she doesn't respond. On Wednesday I call her. She says she is in a meeting and can she call me in an hour. I say I can't talk at that time, but can a half hour later. She says she can't do the rest of the day and proceeds to give me too many details about her person life. We agree to talk the next day. The time comes and goes, so I call her 15 minutes after our scheduled talk time. She tells me she forgot she had a dentist appt! We FINALLY connect that day, which was this past Thursday, and she says she's going to send over the details of the pre-approval - which, she still hasn't!!!!!!! So all in all it has been exactly 14 days since we reached out her and we have not one single thing from her. Am I overreacting? I'm this close to finding a new lender - would you do the same? I don't want to be rude, ya know? I just want to start looking at houses!!!!!