Page 7 of 10
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Tue Mar 26, 2019 1:10 pm
by Desertbreh
dubshow wrote: ↑Tue Mar 26, 2019 11:54 am
update
Cliffs:
-Flagstar threw the loan into a dead end audit review ON the day we were cleared to close. We sat at the closing office for a few hours hoping to resolve it. nope, didnt happen.
-I got ZERO updates or ETA on when they could get us back to close for a full 7 days. They stalled and sat on thumbs.
They are a massive corp with shit policies and some serious lack of urgency, empathy or respect for peoples time and money.
-On day 6 I went to a local lender that has a good reputation.
-Was super pissed and have written Flagstar off as an L. All money has been wired and sitting in holding acct at title place.
-We are paying utilities on future
. We've given the seller/owner a $1500 non-refundable deposit. I've lost $500 on the initial appraisal and have had to order/buy another one.
-New lender says close on April 10th. All process looks great and smooth so far. They picked up and ran with it.
Rates dropped in the mix of all the
Went from a
4.678% to a 4.125% which dropped my payment by $120/mo.
So the silver lining is we have a better lender on board. A better rate and lower note. They are also using wife's income, when flagstar wouldnt. Self employment sucks on financing. They worked with us and the 2018 filed tax returns showing she has made good money for the last year.
All you do is win.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Tue Mar 26, 2019 1:17 pm
by Apex
Desertbreh wrote: ↑Tue Mar 26, 2019 1:10 pm
dubshow wrote: ↑Tue Mar 26, 2019 11:54 am
update
Cliffs:
-Flagstar threw the loan into a dead end audit review ON the day we were cleared to close. We sat at the closing office for a few hours hoping to resolve it. nope, didnt happen.
-I got ZERO updates or ETA on when they could get us back to close for a full 7 days. They stalled and sat on thumbs.
They are a massive corp with shit policies and some serious lack of urgency, empathy or respect for peoples time and money.
-On day 6 I went to a local lender that has a good reputation.
-Was super pissed and have written Flagstar off as an L. All money has been wired and sitting in holding acct at title place.
-We are paying utilities on future
. We've given the seller/owner a $1500 non-refundable deposit. I've lost $500 on the initial appraisal and have had to order/buy another one.
-New lender says close on April 10th. All process looks great and smooth so far. They picked up and ran with it.
Rates dropped in the mix of all the
Went from a
4.678% to a 4.125% which dropped my payment by $120/mo.
So the silver lining is we have a better lender on board. A better rate and lower note. They are also using wife's income, when flagstar wouldnt. Self employment sucks on financing. They worked with us and the 2018 filed tax returns showing she has made good money for the last year.
All you do is win.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Tue Mar 26, 2019 1:49 pm
by Irish
SAWCE wrote: ↑Tue Mar 26, 2019 12:41 pm
Detroit wrote: ↑Tue Mar 26, 2019 12:39 pm
Just curious, who's the new lender?
tree
"We'll finance your house, on our sister's life."
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Tue Mar 26, 2019 2:20 pm
by dubshow
Desertbreh wrote: ↑Tue Mar 26, 2019 1:10 pm
dubshow wrote: ↑Tue Mar 26, 2019 11:54 am
update
Cliffs:
-Flagstar threw the loan into a dead end audit review ON the day we were cleared to close. We sat at the closing office for a few hours hoping to resolve it. nope, didnt happen.
-I got ZERO updates or ETA on when they could get us back to close for a full 7 days. They stalled and sat on thumbs.
They are a massive corp with shit policies and some serious lack of urgency, empathy or respect for peoples time and money.
-On day 6 I went to a local lender that has a good reputation.
-Was super pissed and have written Flagstar off as an L. All money has been wired and sitting in holding acct at title place.
-We are paying utilities on future
. We've given the seller/owner a $1500 non-refundable deposit. I've lost $500 on the initial appraisal and have had to order/buy another one.
-New lender says close on April 10th. All process looks great and smooth so far. They picked up and ran with it.
Rates dropped in the mix of all the
Went from a
4.678% to a 4.125% which dropped my payment by $120/mo.
So the silver lining is we have a better lender on board. A better rate and lower note. They are also using wife's income, when flagstar wouldnt. Self employment sucks on financing. They worked with us and the 2018 filed tax returns showing she has made good money for the last year.
All you do is win.
certainly hasn't felt like it. Big rollercoaster of emotion. Im now $2400 sunk into this attempt to purchase. If we don't close, that money is poof-gone.
But yes the Fed rate drop and news was certainly a blessing.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Tue Mar 26, 2019 2:25 pm
by dubshow
Im feeling better about it all at this time. I was pretty bummed the last week between crazy work shit and this along with half my house in boxes and spending money on bullshit for a house I can't move to.
Also.
luck. Gas has been turned off/locked. Gas company requires a licensed plumber to file permit, do inspection and request for turn on to utilities. Just because there is a lapse in service...
Quotes to perform just the permit file/inspection are $350-500....
Im reaching out to ray ray to see if he has a contractor buddy that can help me at a lesser rate....
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Tue Mar 26, 2019 2:52 pm
by wap
SAWCE wrote: ↑Tue Mar 26, 2019 12:41 pm
Detroit wrote: ↑Tue Mar 26, 2019 12:39 pm
Just curious, who's the new lender?
tree
"We'll finance your house, on our sister's life."
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Tue Mar 26, 2019 2:53 pm
by wap
dubshow wrote: ↑Tue Mar 26, 2019 2:25 pm
Im feeling better about it all at this time. I was pretty bummed the last week between crazy work shit and this along with half my house in boxes and spending money on bullshit for a house I can't move to.
Also.
luck. Gas has been turned off/locked. Gas company requires a licensed plumber to file permit, do inspection and request for turn on to utilities. Just because there is a lapse in service...
Quotes to perform just the permit file/inspection are $350-500....
Im reaching out to ray ray to see if he has a contractor buddy that can help me at a lesser rate....
Fuck.
Hope this all gets resolved soon, dude.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:03 pm
by dubshow
Lender #2 gave the clear to close. The Closing Docs were a bit fucked as to numbers/deposits made and such, hopefully they fix them as Ive requested.
Set to close next thursday. What a fucking ordeal this has been.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:04 pm
by dubshow
wap wrote: ↑Tue Mar 26, 2019 2:53 pm
dubshow wrote: ↑Tue Mar 26, 2019 2:25 pm
Im feeling better about it all at this time. I was pretty bummed the last week between crazy work shit and this along with half my house in boxes and spending money on bullshit for a house I can't move to.
Also.
luck. Gas has been turned off/locked. Gas company requires a licensed plumber to file permit, do inspection and request for turn on to utilities. Just because there is a lapse in service...
Quotes to perform just the permit file/inspection are $350-500....
Im reaching out to ray ray to see if he has a contractor buddy that can help me at a lesser rate....
Fuck.
Hope this all gets resolved soon, dude.
The resolve is to just spend more money.
Gas test passed now is pressuring checking for 24 hours. They will come look at the pressure gauge Tuesday or so and turn services back on. $350. POOF.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:05 pm
by troyguitar
dubshow wrote: ↑Fri Apr 05, 2019 2:04 pm
The resolve is to just spend more money.
is the answer to damn near all problems. It's pretty simple when you think about it.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:08 pm
by dubshow
troyguitar wrote: ↑Fri Apr 05, 2019 2:05 pm
dubshow wrote: ↑Fri Apr 05, 2019 2:04 pm
The resolve is to just spend more money.
is the answer to damn near all problems. It's pretty simple when you think about it.
Yeah...
The only upside is we bought a house for $250k and it just appraised again for $297k. If the house sales market crushes this season with the low rates we should be in prime time to appraise well over $300k when we look to suck some equity out for the bath renovation.
As for now, the big renovation is on solid ICE.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:09 pm
by Apex
troyguitar wrote: ↑Fri Apr 05, 2019 2:05 pm
dubshow wrote: ↑Fri Apr 05, 2019 2:04 pm
The resolve is to just spend more money.
is the answer to damn near all problems. It's pretty simple when you think about it.
If the rest of us had sugar momma's we'd all be set too!
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:10 pm
by troyguitar
Apex wrote: ↑Fri Apr 05, 2019 2:09 pm
troyguitar wrote: ↑Fri Apr 05, 2019 2:05 pm
is the answer to damn near all problems. It's pretty simple when you think about it.
If the rest of us had sugar momma's we'd all be set too!
Just be born with some silver bootstraps, that's a much smarter plan.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:11 pm
by dubshow
Apex wrote: ↑Fri Apr 05, 2019 2:09 pm
troyguitar wrote: ↑Fri Apr 05, 2019 2:05 pm
is the answer to damn near all problems. It's pretty simple when you think about it.
If the rest of us had sugar momma's we'd all be set too!
My sugar momma is about to surpass me in income, this year most likely. Its a really impressive feat as a new business owner.
Women with ambition make me
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:14 pm
by Apex
dubshow wrote: ↑Fri Apr 05, 2019 2:11 pm
Apex wrote: ↑Fri Apr 05, 2019 2:09 pm
If the rest of us had sugar momma's we'd all be set too!
My sugar momma is about to surpass me in income, this year most likely. Its a really impressive feat as a new business owner.
Women with ambition make me
She's a vet, right? Or is she the
?
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:15 pm
by dubshow
Apex wrote: ↑Fri Apr 05, 2019 2:14 pm
dubshow wrote: ↑Fri Apr 05, 2019 2:11 pm
My sugar momma is about to surpass me in income, this year most likely. Its a really impressive feat as a new business owner.
Women with ambition make me
She's a vet, right? Or is she the
?
my mom is actually a vet. Good enough memory.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:35 pm
by Apex
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:53 pm
by Irish
dis kind of
vet or dis kind
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 2:57 pm
by dubshow
Irish wrote: ↑Fri Apr 05, 2019 2:53 pm
dis kind of
vet or dis kind
the
,
actually way more
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 3:01 pm
by Irish
dubshow wrote: ↑Fri Apr 05, 2019 2:57 pm
Irish wrote: ↑Fri Apr 05, 2019 2:53 pm
dis kind of
vet or dis kind
the
,
actually way more
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 3:03 pm
by dubshow
Irish wrote: ↑Fri Apr 05, 2019 3:01 pm
dubshow wrote: ↑Fri Apr 05, 2019 2:57 pm
the
,
actually way more
I guess. But she is 72 this year and still wont fucking retire. She will literally work herself to death. Works nearly 7 days a week. Half dayd saturday and sunday.
been like that for my entire 31 years of life.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 3:11 pm
by Irish
dubshow wrote: ↑Fri Apr 05, 2019 3:03 pm
Irish wrote: ↑Fri Apr 05, 2019 3:01 pm
I guess. But she is 72 this year and still wont fucking retire. She will literally work herself to death. Works nearly 7 days a week. Half dayd saturday and sunday.
been like that for my entire 31 years of life.
I feel you, mang ... but some people are wired up this way and to stop is to die.......
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 3:54 pm
by Acid666
dubshow wrote: ↑Fri Apr 05, 2019 3:03 pm
Irish wrote: ↑Fri Apr 05, 2019 3:01 pm
I guess. But she is 72 this year and still wont fucking retire. She will literally work herself to death. Works nearly 7 days a week. Half dayd saturday and sunday.
been like that for my entire 31 years of life.
My mom is like that. 65 I think, and been teaching for close to 40 years. She could retire, but jesus what the fuck would she do with herself. She's got a group of gal pals that are constantly going to a few local places for their happy hours and shit. Makes me feel like a super introvert compared to her. I just wanna save dat monies bruh
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 6:04 pm
by wap
dubshow wrote: ↑Fri Apr 05, 2019 2:15 pm
Apex wrote: ↑Fri Apr 05, 2019 2:14 pm
She's a vet, right? Or is she the
?
my mom is actually a vet. Good enough memory.
KYJellyGuy's wife is a vet, iirc.
Palatial Airboat Envy: Get Rich or Bankruptcy Tryin'
Posted: Fri Apr 05, 2019 6:57 pm
by SAWCE
wap wrote: ↑Fri Apr 05, 2019 6:04 pm
dubshow wrote: ↑Fri Apr 05, 2019 2:15 pm
my mom is actually a vet. Good enough memory.
KYJellyGuy's wife is a vet, iirc.