Stop buying shitty cars and save your money.
Also don't buy a house while you are young and not married. You'll spend your free time maintaining the house and limit your relocation abilities dramatically. Rushing into home ownership is something I see all the time. My roommate from jmu bought a house a few years ago, I told him not, and he just sold it. Too much maintenance and house for a single guy. Doesn't help he's not handy.
I even think Emily and I rushed to buy our first townhouse. I wish we rented longer so we could have moved around a bit. Building equity isn't the end all be all. Renting has many benefits.
There are lots of options for less than 20% down now and no PMI. SHOP YOUR LENDERS. Although 2 years out is too early to do so. Rates and products will change between now and then.
Also $550k is a ridiculous budget for a house for someone that only needs a house for themselves.
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Also don't buy a house while you are young and not married. You'll spend your free time maintaining the house and limit your relocation abilities dramatically. Rushing into home ownership is something I see all the time. My roommate from jmu bought a house a few years ago, I told him not, and he just sold it. Too much maintenance and house for a single guy. Doesn't help he's not handy.
I even think Emily and I rushed to buy our first townhouse. I wish we rented longer so we could have moved around a bit. Building equity isn't the end all be all. Renting has many benefits.
There are lots of options for less than 20% down now and no PMI. SHOP YOUR LENDERS. Although 2 years out is too early to do so. Rates and products will change between now and then.
Also $550k is a ridiculous budget for a house for someone that only needs a house for themselves.
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2019 Accord Sport 2.0 A/T
2012 Civic Si - Sold
2012 Civic Si - Sold