Fierce

How To Buy A home According To Latinas

In this economy, it’s not just the myths of Rosalie and stories of dragons that seem like fairytales anymore. Today it seems that a wish upon a star may be the only thing to make most millennial homeownership dreams come true. Still, a recent post on Instagram is proving to us that buying a home doesn’t have to be as far off as it sounds.

Recently, we asked Latinas on Instagram to share their best home buying tips, and we got quite a few empowering answers.

Check them out below!

Pay attention and be present.

“Be present at the inspection. Have questions ready. Give the inspector time and space while they’re focusing, but be ready to ask about what they find after. I also wish that I asked the inspector to check for mold on the ceilings (there ended up being some where the roof had leaked; he did check near the walls adjacent to the bathroom and plumbing fixtures). If there are repairs you know you may need, such as the garage being redone, check what city ordinances there are (e.g., are you allowed to rebuild the garage as is? Is a different size required?). That info could have helped me be stronger in some negotiations. I also saved as much as I could with a side hustle, paid down my student loans as much as I could, and saved whatever else was possible so I could afford to get a project/fixer upper house and be able to lock in a lower mortgage and tax rates while having cash ready to upgrade. Finally, I started scoping out homes a few years before I knew I’d be ready. First, I went to workshops hosted by my credit union and took all sorts of notes. Then I made appointments with a friend who is a realtor so I was able to see what I could afford and how I needed to improve my finances. I got pre-approved for a loan to also see what could work for my situation. That info helped me focus on neighborhoods and homes that I knew would be in my price range.” – jesvalsilva

“Make sure to include 2-3% of purchase price to your savings goals for closing costs.” – trippinwithmicky

“Patience, patience, patience. Before doing anything reduce your debt. clean up your credit score. Several people are wanting to buy now because the interest rate is low I mean 2.8% low. But there’s a shortage on the amount of house for sale, therefore the costs are going up (due to the high demand). I have been trying to purchase a home since feb this year and no luck yet. When placing an offer include why you are seeking to purchase the home (start a family, start a new career, support the community). With that being said wish me much we might close this Friday.” –its.stefb

Check on grants

“First time home buyer, check for down payment grants in your City and State; save or register for house warming items… lawn maintenance and home tools are a must have.” – siempre_marcela

“Be patient, but be demanding and clear with your statements REMEMBER THIS IS WHAT YOU WANT TO CALL HOME FOR A VERY LONG TIME so ask and look for what you need and want for a long run. Keep track of everything by down loading 3 copies, on your computer or phone (back them up always) one you will print and keep in your records, and the copy you’ll be sending over to your seller or whatever you’re working with. Be very very meticulous with how you organize your papers there will be a lot to handle. Be ready to sign a shit load of things. We had a total of 185 signatures! Have someone you trust and knows about construction walk the house with you more than 3 times and check everything, have that person that knows about construction take notes, pictures and videos of absolutely everything. Always always always remember about closing costs and try your absolute best to get those paid for. Negotiate. Don’t settle so easily just because it sounds better. Make sure it works for you not just now but in the next 10 years. So have that out. Of course you don’t know the future but still be sure you have a VISION and walk toward it to get that fulfilled. If I’m any case you are in LA and need people for these jobs at all please feel free to DM me we got our house 3 years ago it’s a beautiful 8 bedroom 5 bathroom double property. My family is more than happy to pass over the contact information of our realtor, mortgage lender, and contractor/appraiser. BEST OF LUCK! Over all of these things remember to pray (if that’s your thing) pray pray PRAY, God has a home(not a house) but a for you & your family.” –ta_ta1009

“USDA & other federal government grants, loans, and more. I haven’t used them, but a cousin did and was able to build her house from the ground up with it. Once built to the specs needed, she can now upgrade as she pleases.” –sirhc

Get an agent

“Hire a professional that knows what their doing. Having an agent represent you on the purchase of your house cost you $0 yes you heard that right the seller pays both agents. Done reply on assistance programs, yes they give you $ upfront but your rate will be higher there’s not such a thing as FREE money.” –yo_laura10

“Check what u qualify for now. Look for houses in that range. If you need to make a little more to qualify for a higher price point now you have an idea. I bought a house two years after first checking what I qualified for. Then I worked hard to make enough to qualify for the price range I wanted. Also, make a list of all the things you want— # of rooms, # of bathrooms, location, natural light, architecture style (ie. A rambler or a two-story), etc. Lastly, look at even the houses that aren’t that cute to you. The more houses you look at the more you will understand what is truly a deal breaker and what isn’t. It’s like dating ha! Good luck!” – flomaci

“Also make sure to get a fixed interest rate! Remember that if the interest rate is high at the time you buy, you can always refinance in 2-3 years after your home equity is at least 20% (assuming you didn’t put in 20% down payment).” – flomaci

Know the myths

“Get very clear on your goals and where you want to live and in what kind of home. Have a list of your must haves and nice to haves. Have a great realtor that understands your needs and is willing to go the extra mile for you. Sign up to various apps to find different properties Zillow and realtor are a couple but also try home snap and have your realtor create direct lists from the mls that match what you are looking for. Get out to see the property ASAP do not wait depending on your market there is a shortage right now bc of Covid making it very very competitive. Do not look for houses that are at your max. That is if you know that you have a maximum of 600k do not look for 600k homes look for a little lower so you have some wiggle room in case you need to out bid someone. Get a great inspector and negotiate for repairs or closing costs. You do not need to have 20% downpayment or a great credit score or no student debt. These are myths. Would love to help any latinas that are looking to buy their first home. Si se puede.” – malatorre

You can save for your downpayment by contributing to your 401k

“You can save for the down by aggressively contributing to your 401k & then pulling out the money later towards the purchase of a first home without penalty.” – elizabeth_in_cali

“Don’t forget about closing cost and the and negotiate for Seller to cover those. You don’t loose anything with trying to get those covered. The worst thing they can say is ‘No’ or cover portion of it.” – cislatheflowerpot

“I’m a realtor. I can give advice.” – angelalcarrasco

“Shop around for the best deal on mortgage. Get two or three pre approvals.” – angiecastilloxo

Get a hungry realtor you can trust

“Get a good, trustworthy, dedicated (aka full time), experienced and hungry realtor. A realtor job is to protect you in the process and be your advocate. Work with their recommended team to make the process as smooth and seamless as possible. Ask about grant info, and other types of loans not just FHA. Be clear on your preferences and make a hard yes and no list. Look into neighborhoods. Meet with a mortgage broker before you’re fully ready, they will give you advise on what to look for, how much to save and other tips.” –thinkingofking

“Talk to the neighbors if they’re willing. Ask them what they like/dislike about the neighborhood/street/city.” – lifewithsweetivy

Check in with HOA

“If the neighborhood has a HOA talk to the neighbors about how it deals with stuff. Does the HOA nitpick about every little thing to do they ignore almost everything?” –daisymead

Flush all the toilets! Make sure they are good to go.” – rosieeedanny

“Interview your realtor and mortgage lender before selecting. Calculate all the numbers in the final contract by hand or calculator. I found an error of an extra $2000.” – tacoboutvero

“Buy in a down market.” – indi_and_ary

“Don’t. Owning a house is a scam and money dump.” –mariaelena34

“Be present for the inspection!!!! So important! Don’t be afraid to ask for items to be fixed.” – chilosogummybear

“Don’t buy new development. Don’t work with people who know each other; hire independent agent, attorney, inspector, mortgage company. Attorneys matter. You can miss out on properties if they’re too slow to work on contracts. Always pay extra to inspect ceilings.” –jessirymer

Check on the house’s insurance needs

“Ask if its in a flood zone. Flood insurance can be pretty expensive. Its an additional insurance u hv to pay every month.” – netflix_and_chihuhua

“Communication is everything! Make sure that the realtor you are working with is constantly communication with you about your home buying process. Being honest about what’s needed is key to getting a great deal and your dream home.” – miriam_larealtor

“Interview as many real estate agents as you want. Don’t let them guilt you into using them if you don’t think they’re a fit. A great real estate agent can make or break your home buying process. I interviewed 5 before finding one that I felt comfortable with.” –les.lie.lau

“If anyone in the Phoenix area is looking to buy or sell or just has questions about the home buying process, por favor and llámame.”- abemagana_

“Make sure you account for closing costs! Inspect with the inspector.” – kay_bae18

“Ask someone who lives in that neighborhood and similar house is what their electric and water bill is like , do they like the garbage system, what are the main noises going down.” – flakajasmin

Take a home buying class

“Take a home buying course. There are a lot of nonprofits out there that offer them for free, like New Economics for Women. Not only will they educate you on what it takes to purchase a home, but can also let you know about different loan and grant programs in your area.” – oneredcloud

Most important thing is to work with a team of professionals that can help translate your dreams and goals into actions. You need a financing strategy – so your payments are in line with your lifestyle – and to truly understand the cost of home ownership. This will guide your whole experience and in truth – your overall satisfaction with owning a home. Start with a mortgage advisor that is there to educate – not pressure you!” –@meg___gyver 

Notice any needed corrections? Please email us at corrections@wearemitu.com

Latinas Share Why They Wanted To Teach Their Children Their Native Language

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Latinas Share Why They Wanted To Teach Their Children Their Native Language

Stephen Dunn / Getty

In a world with so much rising intersectionality and access to language tools, many still feel that passing along the traditions of their languages is necessary. Studies have shown for decades that children who grow up in an environment where they’re exposed to different languages have a pathway ahead of them that is full of promise. Particularly when it comes to education and career opportunities.

But why else do some parents find it essential to teach their children their family’s native languages?

Recently, we asked Latinas why learning their native language is important to them.

Check out the answer below!

“So they can be a voice for others in their community .” –_saryna_


“Besides the fact that bilingual kids use more of their brains. I’d like to teach my baby my native language so they can feel closer to our roots and be able to communicate/connect with our community not just in the US, but in Latin America too.” –shidume

“So that when the opportunity arises they can pursue their endeavors with nothing holding them back!” –candymtz13


“It not only helps them be multilingual, but also reminded them of their ancestry. Their roots. It builds a certain connection that cannot be broken.”-yeimi_herc


“So they can communicate with their grandparents, so they have double the opportunities growing up so they know their roots. So many reasons.”
elizabethm_herrera

“Know where you came from, being bilingual for more job opportunities later, being able to communicate with family members.”- panabori25

“I don’t have children but I think a language is tied to the culture. For me Spanish is a direct representation of how romantic and dramatic and over the top in the most beautiful way latin culture is. Also I’m Dominican and we just blend and make up words which really represents how crazy my family is.” –karenmarie15


“If I don’t and they lose ties to their people meaning my family who only speaks Spanish and Italian than I myself am harming them. As a preschool teacher I always tell parents English will happen eventually that’s the universal language but teach them their home home language the one that grandma/pa and the rest of the family speaks. They lose their identity. Sure they make up their own eventually but they must never forget where they come from.” –ta_ta1009


“So he doesn’t lose the connection to his grandmother and great grandfather who only speak spanish. So if he ever hears someone struggling to communicate he can help and feel a sense of pride in his roots/culture. 🇸🇻 plus 🤞🤞 I want him to pick up a 3rd language too!” –cardcrafted

“To give them more opportunities in life. I feel that some stories can only be told with authenticity when they’re in their native language. If you have the opportunity to do so, please do.” –titanyashigh

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Latinas Are Offering Up Their Best Advice For Chicas Moving In With A Romantic Partner

Fierce

Latinas Are Offering Up Their Best Advice For Chicas Moving In With A Romantic Partner

Joerg Koch / Stringer

¡Felicidades!

If you’re here, it means you’ve made the decision to make a bigger step of commitment with your partner and have decided to move in together. For some of you, things are all uphill from the moving in process, for others it will take a lot more hard work and dedication to make things work (if that’s what you choose in the long-haul.) Fortunately, plenty of chicas are familiar with the experience of moving in with a partner and are offering up some insightful advice on how to merge your life with a partner without causing harm and keeping yourself sane.

Recently, we asked our FIERCE readers who have experienced or are currently living with their significant other for some tips.

Check out the best advice and tips below!

“Pick your battles. Everyone has their own messes and cleaning styles. Have patience to learn how they do things and for them to see how you do things. It’s also important to make time for yourself by yourself in your own home and for them to do so as well. Communication is key! (But also remember that communication doesn’t mean to fight all the time).” –jenoemi87

“You are not his/her mother. You are not his/her caretaker. You are not his/her personal chef. You are a unit. You are a team. There’s no I in team.” –lisztobombs

“Make sure you have schedules alone time daily or at least weekly👌🏾 it’s so easy to get caught up spending so much time with your person and start to lose yourself. This will only put a strain on your relationship + it’s not worth it. ALWAYS designate time that’s just for you + encourage them to do the same.” –theflowerchildbruja

“Separate bank accounts. Share bills and chores equitably. Maintain individual interests.” –deannavillanuevasaucedo

“Be patient. Not everyone was raised the same way you were.” –alexandriatrece

“Set boundaries!!!!!! Talk about finances openly. Don’t judge each other. Have patience but don’t take anyone’s sh*t.” –lisztobombs

“Get two restrooms!! It might be more money but it’s definitely worth your sanity.” –savannah_smilesssss

“Don’t be so hard on eachother. Don’t have such high expectations from your spouse, make it a point to organize and declutter every month bc most likely you’ll be moving things in the house around a lot. If you’re having issues with your partner holding up their end on chores assign them certain day where you both tackle them. Sometimes it can get overwhelming so it’s okay to walk away and finish things later. Communicate as much as possible if you’re feeling a certain way.” –neomiceleste

“Communicate. Communicate. Communicate. About everything- money, dishes, bills, hygiene regiments, sex, E👏🏼VER👏🏼Y👏🏼THING👏🏼 Trust yourself. And have a backup plan & secret savings because you never know 🤓 breakup or no, things could go south and you’ll need funds.” –alexis_danielle_quiroz

“Make time for yourselves – and also plan out chores, etc ahead of time so neither of you feel like you’re doing more than the other. Team work makes the dream work and that goes with romantic partners and also just friendships in general.” –bperformer

“Remember that you’re a partnership. Partners. That means no one is “helping out around the house” or “covering” for you. That home is yours to both care for, to cook in, clean, decorate, and provide for. Never forget that.” –alicianna88

“People aren’t mind readers so if something is bothering you let them know. Make sure the you have your own space even if it’s a corner of your room that just yours to adorne and feel safe. It can be a vanity, alter, a desk, etc. Understand each other’s love language.” –arcoiris_31

“If you are both working full time, each of you are in charge of dinner every other night. Whether it’s cooking/takeout/paying at a restaurant dinner is the responsibility one of you every other night. If you or your partner don’t know how to cook, learn together to achieve it.” –tarotqween

“Therapy. For each partner or for both. Couples therapy is not for marriages, it’s for people. Getting therapy doesn’t mean your relationship is in bad shape. It means that you value getting help with something you care about but that’s also super complex. Relationships are not easy.” –teresanastasia

“Have patience.” –izzy_gbaby

“It’s ok to do things with out each other and have your friends and have your own time. Also, money NEEDS to be right. Establish bills and rules right away.” –_gab_a_roni_n_cheese

“Make time for yourself.” –lamujeresquivel

“Speak about everything and all of it the first day! Or even before! who’s gonna do what and how it’s gonna be done, talk about what your relationship will be like, talk about having people over, talk about who pays what, listen and learn their ways because it’s HARRRRRD to do all this after time has passed and you feel the wrath of not communicating. But most importantly have fun with your new best friend/slumber party partner ! do stuff in the middle of the night, walk around naked (if you can) enjoy each other’s company!” –gold.dayummm

“It’s not easy, communication is the key!!” –pattyporteous

“What do you want out of this relationship? A true partnership or a mother who will cook and pick up after you?”- xochitl1977

“Keep your money separate. This is always, but ESPECIALLY important for the younger set.” –paranormalauren

“Let the little things go and be patient with each other.” –gambitpumpkinpie

“Discuss how they load the toilet paper in the dispenser.-rixflixs

“Separate bank accounts & make a budget of all mutual costs to split evenly down the middle.” –rebelada

“Ask for references from past roommates/live-in partners.” –quezso

“This should be titled what information should each of you reveal to the other before moving in together: credit history, bank statements, pay stubs, retirement accounts. How will you divide bills and home duties?” –latangueranyc

“Live with them for at least a year before you go marrying them lol. People who don’t live together first tend to end up having problems down the road. Get used to each other’s living habits, and routines, or work out new habits and routines together. As long as everyone is happy and things are mostly peaceful.” –october_dreams

“Always keep bank accounts and car leases/ loans separate! Always!!!”-e.d.g626

“Be Respectful Communicators. Remember that not everyone will act, think and do as you. you have to be patient when they can’t reciprocate that and don’t let shit slide either. Set boundaries too because you need to take care of your mental health too. The right ones always respect these basics.” –ferarose_

“Talk finances! Don’t use your name for bills he is responsible for.” –mar_aqui_

“COMPASSION for communication. You are growing as a couple and it may take time to find the right form of communication when being in the same place. Keep yourself independent and have your private time even if it’s under the same roof. Set ground rules before someone gets used to something.” –mariposa.in.action

“You will be sharing your space, make sure you both understand that, it’s no longer just “I” or “mine”.” –ari.r.huichapa

“Never get joint bank accounts. Keep your money separate.” –jayyyyubz

“Communication and patience are essentials. Talk to one another and set the expectations at the beginning about bills, cleanliness of the house/apt. And don’t be afraid to speak up and talk when the expectations aren’t being met. You two should be EQUALS. It’s really easy to fall into stereotypical gender roles, especially coming from a typical Hispanic upbringing.” –21djenne

“Talk about who is going to clean the bathroom, kitchen etc ahead of time.” –offical_hartbreaker

“Invest in some time, it doesn’t have to be a lot of time, each day to be really in each other’s company without electronic interruptions. Whether it be talking, dancing, or just holding each other, give yourselves that time.” –senorita_maketa

Notice any needed corrections? Please email us at corrections@wearemitu.com