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Then you have to view a load of properties, usually at the most inconvenient times, because the seller is busy except for half an hour at 7.30pm.
And make an offfer......which the seller will probably reject because they are seeing the house with all these lovely memories, and you are just offering what you think the building is worth.
When you get to an agreed compromise on the price, you need to get a lawyer.
Who will insist on all sorts of searches and surveys.
Finally you get to exchange contracts and pay.
Voila the house is yours.
You can't buy a house in Falkreath.
The best you can do is purchase land and build on it, but after you earn the Jarl's favor by doing a simple quest for him.
well that would be the only reason what so ever.
You could try to go talk with the Jarl without getting a letter, but it's been so long since I've done it that I don't quite remember.
I was wrong, level 9 for the letter, but you can do the quest at any time technically.