Simply Randi
Region: US
Tuesday 12 May 2026 19:30:26 GMT
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Blueee :
You absolutely do not need a mortgage if it’s going to take you 3 years to pay off 3k
2026-05-27 16:26:14
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haley :
I hope this doesn’t come off as rude, but if a $3k credit card is preventing you from qualifying, have you considered maintenance costs & annual escrow increases?
2026-05-26 11:05:49
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Midori | みどり 💜 :
If you’re lender was as good as mine, they would have laid out a plan to help you get to the point of buying in a reasonable amount of time. Ours gave us steps for what he wanted us to do and we bought a home about 4 months later.
2026-07-08 16:39:27
1
Racchhh| FTM :
Yeah… a 3k balance isn’t the issue. You either have other debt that’s significantly higher, not enough credit history or you have a horrible payment history
2026-05-27 01:57:45
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DothisToday :
I will hold your I hand when I say this - if you can't afford to pay off a $3000 credit card you're not ready to buy a house. You should have at least $5,000 in cash after purchase of a home to handle all the unexpected maintenance and life emergencies that will happen. Start prioritizing paying debt and savings now, and soon enough you'll be ready.
2026-06-14 17:41:47
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Sara :
it’s not cheaper owning a home compared to renting. Owning is expensive, repairs, property taxes etc.
2026-05-27 21:41:29
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alyssa ashley :
If you can’t cover the 3k credit card without it taking months, you shouldn’t buy. I just bought and had to pay 3.5k immediately to fix a leaky pipe. You are going to possibly get back in cc debt
2026-05-27 01:52:31
162
Amber :
Even with first time home buyer loans you will likely need to pay closing costs the day of... I'm closing in 2 weeks and my estimated closing costs are close to 7,000 on a less than 200,000 house. There are a handful of resources but just sometime to be mindful of
2026-05-28 01:09:15
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norviewomack :
If you don’t have 3k for your credit card, what’s going to happen in an emergency or something breaks in your house that’s going to cost 3k?
2026-05-27 03:17:18
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amsv.b :
Renting might be the cheapest and financially smart decision. Having a home is VERY expensive and it can put you in more debt that you already are. When renting you’d be able to just call someone to come and fix whatever is wrong with your house. Also, that first year your mortgage payment may be lower but then the taxes on your house or homeowners insurance may increase. It happened to us by $800 a month.
2026-05-27 12:09:51
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Claire 🐻 :
No, the $3k credit card is not the issue.
2026-05-27 12:52:21
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nard.dawg2 :
As everyone else has said, if a $3,000 expense sets you back, you cannot afford to own a house. We bought a reasonably priced and renovated house so there really wasn’t much to do, but we still spent $1,000 every time we left the house on things to fix it up. Stuff will go wrong and you NEED a fully funded emergency fund
2026-06-07 12:14:24
10
Cesar Ortiz Sierra :
That is crazy I got pre qualified for $375 here in Colorado with 12k in credit card debt
2026-06-10 15:17:15
1
Missy Earwood :
See if they’ll increase your credit limit. It’ll make your utilization lower, which should help your credit.
2026-05-12 20:12:15
10
c43_lukas :
Not to be discouraging but I just bought my house at 26 years old and 40k cash was brought to the table. Don’t forget about closing costs, property tax, escrow
2026-06-04 20:04:18
10
Jess :
If 3k is stopping you and are going to take you that long to pay off that card… I’m sorry but a mortgage shouldn’t be in your plans RIGHT now. And I say this as someone who bought a house at 25. About 6 months in the water heater leaked. Thankfully the heater was still under warranty but the work out of pocket was $1,200. Termite treatment was definitely needed and that was another $3k not including a hotel that we had to be in for 4 days.
2026-05-28 01:16:18
10
sassyrae21 :
I’d stay renting if you can’t pay off $3k. Owning a home is expensive.
2026-05-27 22:09:01
15
. :
It’s okay to not be ready to buy a house. Especially if you don’t have extra funds set aside for random urgent life or home expenses.
2026-05-19 15:50:36
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Saucysar :
Hey I think you should just keep renting. If you can’t pay off 3k and don’t have an emergency fund. My ac went out at my house and I had to pay 500 up front in emergency repair to get it working again. You wouldn’t need to do that in an apartment
2026-05-28 13:14:26
11
Taiten Roberts :
Owning a house is definitely not cheaper. My mortgage and property tax is $600 more than my rent was, plus you are on the hook for all maintenance, yard work, maybe more payments for utilities (I have a sprinkler system so my water bill goes up in summertime), we paid $10k for a fence install, etc etc. I love my house but renting is definitely a great option and chasing homeownership is not all it's cracked up to be!
2026-05-28 00:11:34
6
Madhatter :
Do you have 3 months of living expenses saved up and a decent home repair account ready? Just this year we’ve had to do some siding repair and replace our hvac system. Generally you should have 2-3 months worth of mortgage payments saved plus around $10,000 just for “houses are expensive” things.
2026-05-27 20:27:17
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ChrisRRT-NPS :
Reach out to other mortgage lenders and check into programs. I bought my first home through the USDA. That was in the early 2000’s so not sure if that’s still around but definitely worth checking into.
2026-05-25 13:19:40
9
N. :
You don’t NEED a 3 bedroom 💙
2026-05-17 05:41:31
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Exfo :
Fha accepts low credit and you can get a 2nd morgate to be the down payment that you dont need to pay off till you sell or want to refinance
2026-05-25 23:28:54
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Kate | 2027 Bride :
A 3k credit card balance doesn’t do this
2026-06-27 01:15:31
1
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