My son is in th process of buying a house, he is also young, 23, has no credit, so his bank looked down their nose at him, he went to a mortgage compnay, he needed no down payment, as the hosue he bought had been apraised at 59,000.00. His interest is a fixed rate of 7.25%, his payment is 391.00 a month for a $53,000.00 home for a 30yr loan. His insurance he is paying yearly at 530.00. his taxes will add about $100.00 a month, so he is about 500.00 a month. He thinks 7.25 is a little high, but I tod him, be patient, build equity in his house, build his credit, then look at finding a lower rate. He bought an small older house in a real little town, about 30 houses, but it is a start for him and it puts my 2 grandsons less than 1/4 mile away, good for me.
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Today's Featured Article - Box Plow Blues - by Tom Schwarz. One of the first implements most tractor owners obtain is the box plow. For very little money, this piece of equipment promises to plow and flatten any hill or vale on your ranch road or farm. At least that's what I thought! As simple as a box plow appears, it can be rather challenging to make work correctly. In our sandy soils of Florida, traction is king. You can never have wide enough tires or heavy enough weights to get all the traction you want … unless you own a monster tractor. U
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