TK: I felt the same way when we built our home. It was a big step and a huge responsibility that I was absolutely terrified of. At the time, I was also hearing about preditory lending scams. (This was in 2002) I was scared of being taken through that, as well. Needless to say, a winter with a $500 heating bill for the downstairs of the rental we were living in and $300 for upstairs (bottom floor had propane, top floor had heat pump) un scared me.
Maintaining the house has not been the money I thought it would be, but then again, our house is only 7 years old. . .
It'll be okay. You can do it.
Thanks so much for the kind words! It can be a litte overwhelming, but right now, it really is a buyer's market.
Also, since I work at a bank (and a conservative one at that, in terms of lending), I have no fear of my mortgage being properly handled, which is very, very good.
Oh my goodness, where do I start!....
TK: it sounds cliche I know but for those in the market for a home, there has never been a better time to buy! My one stern word of warning: do your homework!!!!! And get a good realtor. They can make or break your experience. Beware of foreclosed homes and short sales (a home with an asking price below what is still owed to the bank). They can seem like a great deal, and I'm sure they can be a great deal, but the process is daunting and the bank can scrap your offer in favor of a higher one at the last minute if they so choose.
I can't believe you're supporting me! God bless you! Seriously, I wasn't sure what you would say, but thatnk you so much for giving me some food for thought. I have to say, we have an excellent realtor. I have dealt with several, and this is the first one I have actually liked. No joke. I like him. And that's saying a lot. He's lived in the town we're looking in for the past 35 years. His kids grew up here, his grandkids are growing up here, and he looks at his "younger" clients as how he would treat his own children.
Isn't that nice??? I really like this guy.
Anyway, he's been great so far, and I can't emphasize enough how comfortable I feel with him.
Having "been there done that," I would just suggest you buy as new as you can afford. The older the home, the more maintenance it'll need, unless it has been totally overhauled in very recent years. Of course the older homes often have all the character, but just know what you and DH are prepared to tackle ahead of time.
I am very lucky. My DH is extremely handy. As in, he's done major, major repairs and construction work with his family before. Ripping out walls, framing, sheetrocking, painting, etc, etc. I mean, obviously we're looking at things other than that, but if it's anything remotely cosmetic, I know we can tackle that together.
And I definitely do not want an older home. There are some houses in this town that were built in the 1800s, and lord do they look pretty on the outside, but no thank. Give me a nice little home built in the 50s/60s with some good solid construction, and I'd be happy camper.
My other word of warning: BEWARE!....once you start looking at homes, the bug will bite and it'll bite hard and you'll be hooked. It's fun to go out there and look and imagine and try to hunt down that perfect home (except there is no such thing as a 100% "perfect" home!
).
Oh, don't I know it. I'm scouring websites to see what's out there.

But, it's promising.
And since we're starting the day by talking about buying houses, I guess this is as good a time as any to tell you all that we have sold ours....
DUDE! I am so happy for you.
Warning: Vent coming. . . . . .
This line is on the DIS news section on the main board:
Boatwrights at Port Orleans Riverside is no longer be serving breakfast
Does no one know basic grammar anymore?
Vent over.

I'm sure they meant to put will no longer, and put is instead.
TK....you go girl.
I second all of the advice Legomom gave you.
Buy as new as possible. And make sure you have a good inspector. Take your time and look at as many as you need to. Time is on your side with this. Once you find your new home you will not regret making the big move. The fear will subside once you start to settle in.
Thanks, hon! I've heard this piece of advice from a few people, and I've really taken it to heart. I know that we do have time on our side, and as the weather gets warmer, there will be a flood of houses on the market, people wanting to move while their kids are out of school, etc. So this is really a great time to be looking for so many different reasons. 