Her Brewerytown home search spanned just four blocks. It was enough. | How I Bought This House
Lulu Tunis offered less than the asking price for a house that had been on the market for almost three months.
The buyer: Lulu Tunis, 39, communication specialist
The house: A 1,060-square-foot rowhouse in Brewerytown, with three bedrooms and one bathroom, built in 1925
The price: Listed for $270,000; purchased for $240,000
The agent: Rachel Shaw, Philly Home Girls
The ask: For Lulu Tunis, it was simply time to buy a house. She had been living in Brewerytown for a decade. Her one-bedroom apartment on Girard Avenue was fine, but she wanted more space. More importantly, she felt financially prepared to buy. “I think I was just ready,” Tunis said.
Her needs included three bedrooms, easy street parking, and a backyard large enough for the dogs she often pet-sits. Proximity to Girard Avenue was also important. “I didn’t want to be too far off where I normally hang out,” Tunis said. She was OK with only one bathroom and also a fixer-upper. “I’m pretty handy,” she said.
The search: Tunis began looking in April 2024 and narrowed her search to a four-block radius. “There were actually a lot of options,” she said. Her budget was $250,000.
In the 10 homes she saw, she ran into all kinds of strange layouts. Some of the third bedrooms were the size of a closet. Others didn’t have closets. Neither situation would do. Nor would the house with the extra narrow hallways upstairs, or the one that smelled like cat pee. She considered a couple of duplexes in case her family moves in with her down the road, but they needed too much work.
She fell in love with a house on a corner lot that had great light and tried to make an offer, but someone beat her to it. “I still walk by it all the time,” said Tunis, “and I get a little jealous.”
The appeal: The house Tunis bought charmed her immediately. There was a large, golden mirror near the entrance. “It’s great for ‘fit shots,” Tunis said. She liked how open the downstairs was and that the laundry was right off the kitchen. The unfinished basement needed some work, but it had plenty of room for storage. Upstairs, Tunis was delighted to find three relatively large bedrooms (each one can easily fit a bed and a desk) and recently redone hardwood floors.
The downstairs floors weren’t in great condition, but Tunis liked that they were original to the home. Despite being dated, the house was full of great features. “I could see the potential,” said Tunis.
The deal: The house was above Tunis’ $250,000 budget, but it had been on the market for 80 days, so her real estate agent suggested they submit a bid under the asking price. Tunis offered $240,000 and the seller accepted immediately.
During negotiations, Tunis asked the seller to pay for termite treatment and a home warranty, which covers the cost of repairing or replacing major appliances and systems. The inspector warned Tunis that the heater would probably have to be replaced within the year. Everything else looked good.
The money: Tunis had a little under $5,000 saved for her home purchase. Her aunt gave her another $5,000. She also received a Keys to Equity grant for $20,000 and a Philly First Home grant for $10,000. She put $17,000 down and shelled out $16,000 for closing costs. With a 6.375% interest rate, her monthly mortgage payment is $1,392.
The move: Tunis officially closed on Nov. 15 but waited until the end of December to move in. She wanted to tear down the wallpaper in the living room. The process took longer than she expected and forced her to abandon her other pre-move-in home-improvement plans. “I just lost motivation,” Tunis said.
Because Tunis’ new house was only a block from her old apartment, she moved gradually at first, carrying small loads on foot. Her family arrived the day after Christmas to help move bigger stuff. They rented a U-Haul and moved everything in two trips. Tunis’ first night in her new house was Dec. 29. She started a new job the next day.
Any reservations? The biggest disappointment in the house has been the lack of natural light. It’s blocked most of the day by a five-story school across the street. “I only get sun first thing in the morning and then around sunset,” Tunis said. Her plants are suffering.
Life after close: So far, Tunis is happy with the way her bedroom looks, and that’s about it. The rest of the house remains a work in progress. “There’s always some half-built furniture somewhere,” she said.
Her next big project will be replacing the drywall in the back room downstairs. She took a class at West Philly Tool Library and plans to do it herself — or at least try. “I’m not ready to pay anyone yet,” she said. Once the walls are complete, she’s going to paint the kitchen, which is currently bright blue. She’d prefer terra cotta or dark tan.
Tunis says that even though her space is currently a “hot mess,” she likes coming home to it. “Coming to an apartment was fine. But coming to my house? It’s like ‘OK, this is my home.’ I’ve always got little projects to do.”