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Old 03-17-2018, 04:36 PM
 
264 posts, read 75,272 times
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Condo in Bpt. Some often go in foreclosure. 40-60k
That said buying here is a long term decision. There hasn't been any price increase in years. We're also due for a hit downward in prices nationally.
So what you would be doing is protecting yourself maybe from rent increasing
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Old 03-17-2018, 04:49 PM
 
Location: Coastal Connecticut
14,498 posts, read 17,569,917 times
Reputation: 3288
Quote:
Originally Posted by kidyankee764 View Post
To reference the original post...



...Ansonia is nowhere near the type of community the OP is looking for.

While there are many nice neighborhoods in Ansonia, the OP seems to desire a town that, in their price range, does not exist in CT within 90 minutes of the city.
I donít think it exists anywhere in the NYC area.

The more I think of it, Middletown or a nearby town would be perfect. Just need to be OK with being 2 hours from NYC. The proximity to New Haven helps, since itís a great city in its own right.
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Old 03-18-2018, 04:54 PM
 
10,672 posts, read 5,437,804 times
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Quote:
Originally Posted by SoulJourn View Post
They are seeking a diverse community in Connecticut that is no more than 1.5 hours from NYC.

They have 4 kids who are currently home schooled. They may want a college town.

They don't want to pay more than $1000 per month for their mortgage.
How many bedrooms is this house supposed to have with 4 kids?
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Old 03-18-2018, 09:07 PM
 
1,538 posts, read 888,841 times
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Quote:
Originally Posted by Stylo View Post
With 20% down, $4k property taxes, and $900 a year insurance, thatís $1,016.36 a month.
Thats not adding in interests rates which if its not high your payment will go up
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Old 03-18-2018, 09:19 PM
 
Location: Coastal Connecticut
14,498 posts, read 17,569,917 times
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Quote:
Originally Posted by ayoskillz View Post
Thats not adding in interests rates which if its not high your payment will go up
Come again?
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Old 03-19-2018, 07:05 AM
 
1,538 posts, read 888,841 times
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Quote:
Originally Posted by Stylo View Post
Come again?
Sorry just read what i wrote. I ment to to say your calculation depends on if they have perfect credit also and if they even have 20% to put down which doesnt sound like the case if they are own a "tight" budget which the op said
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Old 03-19-2018, 09:03 AM
 
Location: Coastal Connecticut
14,498 posts, read 17,569,917 times
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Quote:
Originally Posted by ayoskillz View Post
Sorry just read what i wrote. I ment to to say your calculation depends on if they have perfect credit also and if they even have 20% to put down which doesnt sound like the case if they are own a "tight" budget which the op said
Ah yes, my assumptions were on good credit (you don't necessarily need perfect to qualify for the best rate, usually 650+ is fine) and 20% down.
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Old 03-19-2018, 09:08 AM
 
2,005 posts, read 1,325,211 times
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Quote:
Originally Posted by Stylo View Post
Ah yes, my assumptions were on good credit (you don't necessarily need perfect to qualify for the best rate, usually 650+ is fine) and 20% down.
Yeah so pretty much in a perfect world, they could get a fixer upper house in a 'meh' CT town.

I'd be surprised if the OP had 20% down given their tight budget though... which brings in the issue of a $150-200 a month PMI...
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Old 03-19-2018, 09:21 AM
 
Location: Coastal Connecticut
14,498 posts, read 17,569,917 times
Reputation: 3288
Quote:
Originally Posted by SeaDoo342 View Post
Yeah so pretty much in a perfect world, they could get a fixer upper house in a 'meh' CT town.
Or a very decent place in Middletown, as I suggested.

Hits on most of the requirements:

- Affordable
- Scenic
- College town
- Artsy
- Progressive
- Preserved history

It's just 2 hours+ from NYC, hence the first bullet.

Examples: https://www.zillow.com/homes/for_sal...66_rect/12_zm/
https://www.zillow.com/homes/for_sal...87_rect/13_zm/
https://www.zillow.com/homes/for_sal...28_rect/13_zm/
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Old 03-19-2018, 09:23 AM
 
602 posts, read 238,648 times
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There's probably trailer parks/mobile/manufactured homes in Pennsylvania or upstate NY, maybe 2 hours away, that would fit the price range
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