OT X - Here for the Crang Bang

[wap]

Johnny p's mysterious case of pink eye

[wap]

Received mortgage packet today, suddenly realizing how much closing costs and other costs actually will be. Learning the hard way here.

Fuck. I'm not sure I can actually move forward on closing. This blows the budget.

Can't get the seller to pick up, or share, closing costs?

[dtraill27]

Can't get the seller to pick up, or share, closing costs?

Denied there.

I've got a couple ideas, but as it stands right now I can't move forward. I'm over budget by about $5k on closing costs, including all escrow and prepaid costs. I had only budgeted for closing. Nobody ever told me what to expect for escrow.

Escrow and closing is a fuckin killer. Hopefully you can work something out

[wap]

Escrow and closing is a fuckin killer. Hopefully you can work something out

Yeah. I think I found some solutions.

I've send some e-mails to my attorney and my mortgage officer for answers and clarification.

Good luck, mang.

[Calvinball]

Tweaked my back. Haven't had back pain for a long time now. Poop.


Sent from the Beer Depository

[razr390]

Tweaked my back. Haven't had back pain for a long time now. Poop.


Sent from the Beer Depository

speaking of

I am making one as we speak

[Johnny_P]

Ah shit. Well I'm sleeping in your bed

Fart on his pillow.

[Johnny_P]

Johnny p's mysterious case of pink eye

[Johnny_P]

Received mortgage packet today, suddenly realizing how much closing costs and other costs actually will be. Learning the hard way here.

Fuck. I'm not sure I can actually move forward on closing. This blows the budget.

In today's market seller pays closing

[ChrisoftheNorth]

In today's market seller pays closing

I got the seller to pay for a new HVAC. In return I'm eating closing.

It's a seller's market, breh. Good luck getting someone to pay closing for you unless it's a real turd of a haus.

Wrap closing costs into the mortgage? Or are you too tight on down payment to do that?

Buying a house is a fucking expensive proposition just from the Closing costs in large part are how the mortgage companies make their money. They sell the loan instantly to the .gov, so they don't even get the interest.

[Tar]

In today's market seller pays closing

I got the seller to pay for a new HVAC. In return I'm eating closing.

It's a seller's market, breh. Good luck getting someone to pay closing for you unless it's a real turd of a haus.

We somehow roll the expenses into our mortgage. Congrats on the new house, you'll be happy you did this when you're 's age.

[ChrisoftheNorth]

I got the seller to pay for a new HVAC. In return I'm eating closing.

It's a seller's market, breh. Good luck getting someone to pay closing for you unless it's a real turd of a haus.

We somehow roll the expenses into our mortgage. Congrats on the new house, you'll be happy you did this when you're 's age.

That's not uncommon. I've done that with my last two mortgages.

The only catch is if you're on the edge for down payment %. If wrapping the CC in prevents you from putting 20% down or whatever.

[CorvetteWaxer]

Talk about audience participation.

[Calvinball]

[ChrisoftheNorth]

That's not uncommon. I've done that with my last two mortgages.

The only catch is if you're on the edge for down payment %. If wrapping the CC in prevents you from putting 20% down or whatever.

Thanks to me being commission based and the wife being 1099 based for income, it was not easy to get the approval, and we're at the max of our approval even though it's well within what we can "afford" per the 36% rule. Her deductions killed us.

This hasn't been an easy process.

No mortgage process is easy. Sucks that yours is even worse.

[Barnes93cb]

Actually there will be a lot of car time coming up. Ive got a suspension to install, wideband, and ecu to install/tune.

Plus the wife is being sent on a business trip for an undetermined amount of time.

Where is she going?

Not sure yet.

[CorvetteWaxer]

Where is she going?

Not sure yet.

Sounds ominous, like you are plotting something..

[wap]

Good luck, mang.

I found I can pull money out of my IRA (up to $10k) as a qualified disbursement as a first time homebuyer. I'm only going to pull out $5k, as I'm about $5k over budget.

I just was starting to panic a bit.

Glad you figured it out.

[wap]

I got the seller to pay for a new HVAC. In return I'm eating closing.

It's a seller's market, breh. Good luck getting someone to pay closing for you unless it's a real turd of a haus.

We somehow roll the expenses into our mortgage. Congrats on the new house, you'll be happy you did this when you're 's age.

100%

I'm 23 months away from paying mine off and it feels to be almost there.

[Barnes93cb]

Not sure yet.

Sounds ominous, like you are plotting something..

How did you know?

Or it sounds like the military is just being assholes and not telling us.

[Calvinball]

We somehow roll the expenses into our mortgage. Congrats on the new house, you'll be happy you did this when you're 's age.

100%

I'm 23 months away from paying mine off and it feels to be almost there.

Sent from the Beer Depository

[Barnes93cb]

Whats a mortgage?

[fledonfoot]

Whats a mortgage?

A 72 month car note?

[CorvetteWaxer]

Hot tub delivered.

Weight bench disassembled and moved into storage.

Need to empty the safes and move them out of my office next and start clearing the bedrooms so I can paint them this coming week. I recently disassembled my desk and put it all back together, so I am not looking forward to that again.

[Apex]

Whats a mortgage?