JPax

I’ve just spent over an hour trying to decide what materials to use to review. Its so hard to know which are most comprehensive/easiest to understand. Prices range a lot too; its hard to know if its worth it for the ones that cost twice as much. I cant help thinking my time would be better spent actually studying for the exam! What needs to be from this year? There is so much stuff on ebay, but I dont know if its a waste of money to buy outdated material, or a waste to spend crazy amounts for practically the same material with a 2009 stamp on the front.

Well at least I’ve got the ball rolling. Sending my application in as soon as I get the signatures from my references.

lets say I can get a reasonable starter home in PA for 150K.

Estimate 6,500 closing costs and 30K for a 20% down payment.

That means I need to save 36,500 before I can start looking. By then a house will probably cosyt a LOT more. I will also need to be able to afford 950/mo for a 15 year mortgage, or 650/mo for a 30 year. That shouldnt be too hard really. And insurance. I dont know how much that costs.

With 10% down I would still need 21,500. and would pay 725-1070/mo.

so i didnt do it. I might still send new years cards. I have them actually. I should buy cards for next year now when they are on sale and I can get them ready way ahead of time. I’ll keep this goal up because it is something that i want to do.