Christina

Our biggest issue was the underwater mortgage for the townhome that was purchased in 2007. So, you know, we were kind of bopping along for a couple of years. Then we had kids and I ended up staying at home. It was pretty tight. And we were still kind of trying to figure out what are we going to do about the house eventually. This has still not come up to the value that it was.

Our biggest issue was the underwater mortgage for the townhome that was purchased in 2007. So, you know, we were kind of bopping along for a couple of years. Then we had kids and I ended up staying at home. It was pretty tight. And we were still kind of trying to figure out what are we going to do about the house eventually. This has still not come up to the value that it was.

Our biggest issue was the underwater mortgage for the townhome that was purchased in 2007. So, you know, we were kind of bopping along for a couple of years. Then we had kids and I ended up staying at home. It was pretty tight. And we were still kind of trying to figure out what are we going to do about the house eventually. This has still not come up to the value that it was.

And at some point we got an email from our church. We go to Woodstock City Church. introducing Financial PC University. And in there, I was like, ah, you know, I'm pretty frugal. I keep my budget, you know, after the fact, I got on the track of what was spent. But it said, it will show you how you can buy and sell a house. So I'm like, you know, why don't we take this class?

And at some point we got an email from our church. We go to Woodstock City Church. introducing Financial PC University. And in there, I was like, ah, you know, I'm pretty frugal. I keep my budget, you know, after the fact, I got on the track of what was spent. But it said, it will show you how you can buy and sell a house. So I'm like, you know, why don't we take this class?

And at some point we got an email from our church. We go to Woodstock City Church. introducing Financial PC University. And in there, I was like, ah, you know, I'm pretty frugal. I keep my budget, you know, after the fact, I got on the track of what was spent. But it said, it will show you how you can buy and sell a house. So I'm like, you know, why don't we take this class?

So when we went and took the class, I was like, you know, where have y'all been before? So we did quite a few, um, things followed quite a few things. Um, one of them was, um, we immediately refined that house to a 15 so that we could start paying, um, down the, the, the, what we owed on it. And, um,

So when we went and took the class, I was like, you know, where have y'all been before? So we did quite a few, um, things followed quite a few things. Um, one of them was, um, we immediately refined that house to a 15 so that we could start paying, um, down the, the, the, what we owed on it. And, um,

So when we went and took the class, I was like, you know, where have y'all been before? So we did quite a few, um, things followed quite a few things. Um, one of them was, um, we immediately refined that house to a 15 so that we could start paying, um, down the, the, the, what we owed on it. And, um,

from the seven percent interest rate yes i had been paying on yes so i bought it essentially our payment stayed the same but you know more was going yeah she went down to what a three uh it was a four right around four at the time in um 20 it was 2013 um and so yes 2013 i contacted one of the lps we loved her lindsey has um a shout to her she came out because we knew we couldn't sell the house right away so she showed us what to do you know it's just uh

from the seven percent interest rate yes i had been paying on yes so i bought it essentially our payment stayed the same but you know more was going yeah she went down to what a three uh it was a four right around four at the time in um 20 it was 2013 um and so yes 2013 i contacted one of the lps we loved her lindsey has um a shout to her she came out because we knew we couldn't sell the house right away so she showed us what to do you know it's just uh

from the seven percent interest rate yes i had been paying on yes so i bought it essentially our payment stayed the same but you know more was going yeah she went down to what a three uh it was a four right around four at the time in um 20 it was 2013 um and so yes 2013 i contacted one of the lps we loved her lindsey has um a shout to her she came out because we knew we couldn't sell the house right away so she showed us what to do you know it's just uh

You know, shouldn't charge anything for that. So we started over the next couple of years, we started doing some upgrades to the house. Like we painted, we redid the, not redid the deck, but we cleaned up the deck and some other stuff. And so when the time came in 2016, we were still kind of figuring out whether we're staying in the area or whatnot.

You know, shouldn't charge anything for that. So we started over the next couple of years, we started doing some upgrades to the house. Like we painted, we redid the, not redid the deck, but we cleaned up the deck and some other stuff. And so when the time came in 2016, we were still kind of figuring out whether we're staying in the area or whatnot.

You know, shouldn't charge anything for that. So we started over the next couple of years, we started doing some upgrades to the house. Like we painted, we redid the, not redid the deck, but we cleaned up the deck and some other stuff. And so when the time came in 2016, we were still kind of figuring out whether we're staying in the area or whatnot.

And then our HOA was kind of going down the hill. We decided it was time to put it up for sale. Again, Lindsay helped us through that process. She was a great selling and buying agent. There were several offers on the house that we were looking at to buy. And we had had enough equity, gotten enough equity out of the house.

And then our HOA was kind of going down the hill. We decided it was time to put it up for sale. Again, Lindsay helped us through that process. She was a great selling and buying agent. There were several offers on the house that we were looking at to buy. And we had had enough equity, gotten enough equity out of the house.

And then our HOA was kind of going down the hill. We decided it was time to put it up for sale. Again, Lindsay helped us through that process. She was a great selling and buying agent. There were several offers on the house that we were looking at to buy. And we had had enough equity, gotten enough equity out of the house.

And we had had some savings from a sale of an apartment that I had back home. I'm not originally from the U.S. And it was about $20,000. So we were able to put 20% down, like you mentioned.

And we had had some savings from a sale of an apartment that I had back home. I'm not originally from the U.S. And it was about $20,000. So we were able to put 20% down, like you mentioned.