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chattycathy2
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Online: 2119 days ago   Updated: 2119 days ago   Joined: 2119 days ago
 
The Basics
  Age: 32   Gender: Male   Race: Caucasian   Location: California United States
The Details
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About Me

Owning a home is a better choice than renting a home. Renting is not a choice that will benefit a person long-term. When a person rents an apartment they are fulfilling their present goal, which is to have somewhere to live. If a person is paying a mortgage they will be fulfilling both a present goal and a long-term goal. The present goal, being that they have somewhere to live and the long-term goal, being that the money they are paying every month will result in ownership of the house.
There are many reasons why people choose to rent rather than buy. Credit is a huge factor for many people. If a person has very poor credit it will be very difficult, to almost impossible for them to qualify for a home loan. The easy choice would be just to rent. Your credit still plays a factor when applying to rent an apartment, though. If the apartment complex feels that your credit is in bad shape they may have you pay a larger deposit, or even turn you away. Even with the credit score obstacle, it is still easier to rent. With the credit hurdle, in mind, owning is still a better option because it may be easier to rent, but owning will pay off more in the end. The wise choice, for someone with bad credit, would be to work on fixing your credit so that you can buy a house. Once you start paying your mortgage, your credit will improve.
I have heard many people say that they can’t afford to buy a house and this is why they rent. Most people are under the impression that they will have to pay more per month if they own. I used to think this way, until my cousin bought a house 3 years ago. She bought her house for $110,000 and pays $800 a month for her mortgage. She has a very large two-story home with 3 bedrooms and two bathrooms. My boyfriend and I rent a 2 bedroom, 2 bathroom apartment for $1100 a month. Take a step back and compare the two. Obviously my cousin has the better deal. She lives in a larger home that she owns for $300 less a month.
Location plays a very big part when choosing to rent or buy. In my previous paragraph I stated that my cousin has the better deal because she pays less per month. This is true, but there is a very big difference where we each live. My cousin bought her house

What I'm Looking For

Owning a home is a better choice than renting a home. Renting is not a choice that will benefit a person long-term. When a person rents an apartment they are fulfilling their present goal, which is to have somewhere to live. If a person is paying a mortgage they will be fulfilling both a present goal and a long-term goal. The present goal, being that they have somewhere to live and the long-term goal, being that the money they are paying every month will result in ownership of the house.
There are many reasons why people choose to rent rather than buy. Credit is a huge factor for many people. If a person has very poor credit it will be very difficult, to almost impossible for them to qualify for a home loan. The easy choice would be just to rent. Your credit still plays a factor when applying to rent an apartment, though. If the apartment complex feels that your credit is in bad shape they may have you pay a larger deposit, or even turn you away. Even with the credit score obstacle, it is still easier to rent. With the credit hurdle, in mind, owning is still a better option because it may be easier to rent, but owning will pay off more in the end. The wise choice, for someone with bad credit, would be to work on fixing your credit so that you can buy a house. Once you start paying your mortgage, your credit will improve.
I have heard many people say that they can’t afford to buy a house and this is why they rent. Most people are under the impression that they will have to pay more per month if they own. I used to think this way, until my cousin bought a house 3 years ago. She bought her house for $110,000 and pays $800 a month for her mortgage. She has a very large two-story home with 3 bedrooms and two bathrooms. My boyfriend and I rent a 2 bedroom, 2 bathroom apartment for $1100 a month. Take a step back and compare the two. Obviously my cousin has the better deal. She lives in a larger home that she owns for $300 less a month.
Location plays a very big part when choosing to rent or buy. In my previous paragraph I stated that my cousin has the better deal because she pays less per month. This is true, but there is a very big difference where we each live. My cousin bought her house

 
 

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