From wedding bells to doorbells.
It can be difficult to choose between spending money at a wedding or at home – and the new Netflix reality show “Marriage or Mortgage” follows couples through that journey.
Premlila on wednesday Streaming platform, Each episode follows a different couple in the Nashville, Tennessee, area as they try to decide whether to drop cash (such as $ 20,000) toward their big day – or invest in a home.
Wedding planners on both sides of the spectrum Sarah miller While the real estate agent tries to push the couples towards a bang event Nicole holmes The mortgagee tries to entice them to make the choice.
“I have understood. [Choosing the wedding option] It’s romantic, it’s cute. I am not made of stone, ”Holmes, 46, told The Post.
“However, what is No Romantic and Adorable are paying rent for the first 12 years of their marriage. How romantic is it to write a check for someone else’s mortgage every month? To think about that. You can invest in your future, not the landlord’s.
In the show, each couple collaborates with both Miller and Holmes to fulfill their wishes for the wedding and their budget, and preferences for a home (such as the number of bedrooms). Miller then brings them to see samples of venue, clothes and food and wine that fit their wedding budget, while Holmes shows them homes in their price range.
The first episode sees Nicholas, 36, a firefighter, and Dennis, 36, hiring a cheerleader as they try to decide whether to spend $ 25,000 on a wedding or at home. Nicholas, who has previously been married and has a 6-year-old daughter, wants a big day Elvis-themed (since he and Dennis have gone on several special dates for Grayskland). On the other hand, Denise is partial to a house with room for her daughter and any future children.
Holmes said that the mortgage option is always the smart choice, no matter your situation.
“If they chose marriage, it’s the No. 1 mistake, because you can’t make money on marriage,” she said. “A house is usually your biggest asset that you will ever own. I think that if they have to make this decision, the smartest have to establish themselves financially for the future. “
He said that for those who decide to invest in a home, the most important factor is that you be prepared.
“A couple should be aware of what they can do,” Holmes said. “They need to be pre-approved, especially when it’s a frenzy to get it at a certain price point. I found myself in the position to offer many of the couples, and sometimes they won and sometimes – Sometimes they lost. It’s all part of it. All they need to do is keep their ducks in a row – their finances to the point, their credit ratings. “
And for those couples who don’t automatically know all this? Don’t sweat So it is also important to get a real estate agent who knows what they are doing.
However, not all couples are in a wedding and want a house set in stone. Another episode exposes Pastor Cynthia, 56, and MRI and 50-year-old technologist Carla, a couple who dream of “big fat gay marriage”. However, they want to live in a new house, where no one lives before, and they both flip-flop on choice.
Holmes said, “We had a couple who wanted to find out what they wanted, and Sarah and I would speak to them with one final bargaining chip, and some of them went completely the opposite direction” and Carla Finished going.
She said that she does not have relationships with more passionate people. For example, another episode sees a pair of high school men living separately in their parents’ homes. 23-year-old personal trainer Emily has been planning her wedding since she was a young girl and recovers from the idea of having a grand day, while 24-year-old basketball coach Braxton independently jumps to get her jump-start. Want to use the money. at your place.
While Braxton seems like a more practical member of the couple, Holmes said he understands Emily’s point of view.
“Every couple has such different reasons for choosing one or the other. If they chose to marry, did I disagree with them? Of course, yes, I did, ”he said. “But I understood and am looking at its side. Do I wish they were in a different position to invest? Of course i. But do I congratulate them for choosing weddings? No, I get it. “
The real estate agent and lifelong Tennesseean explained that she had been married twice before, and that the first marriage was a “big shebang”. This is why he is partial to the idea of using money for practical purposes.
“My father said, ‘Are you sure you don’t want a down payment at home? Really think about it.’ But I had to have my special day. Did I regret it? Totally!” he said. “So I’m coming here from a place of experience.”
Always an exception to the mortgage option on “marriage”? If you are loading enough to carry both.
“If there’s a couple that comes to us who can afford a wonderful house And A marriage, more power for them, ”she said. “but if you do That difficult decision has to be made, I am going to lead you to real estate every time. “
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