Nice house pre kids or more money?

[Antonio Sosa]

We are still 1-2 years away from starting a family. My wife and I are pre approved for an FHA loan and want to buy a new build construction home that will be ready in 8-9 months. Base price is 500k with options about 550k. I know this is paying full retail and will appreciate slowly but will give us the greatest perceived happiness and fulfillment. The alternative is to delay more and get a good deal , a house we don't like but add value/ remodel which I would rather do separate from the house I'm living in. I'm looking for feedback , perspective and guidance.