Home Buyin/Maintenance Thread - Where most of us are 30ish but act 47. Oh, and fuck home inspectors

Discussion in 'The Mainboard' started by Swim Cantore, May 4, 2015.

  1. AptosDuck

    AptosDuck Pedantic Hausfrau
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    2.625% on a 20-yr, lower for the 15- but we prefer to keep some payment flexibility
     
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  2. pperc

    pperc Well-Known Member
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    what on a 30 are you seeing?
     
  3. pianoman

    pianoman my drinks are free
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    I just closed our refinance at 2.78 for a 30 year.
     
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  4. AptosDuck

    AptosDuck Pedantic Hausfrau
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    The whole point of our refi is to knock off years on the back end, so we're not even looking at 30s
     
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  5. pperc

    pperc Well-Known Member
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    with who? jumbo?
     
  6. pianoman

    pianoman my drinks are free
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    Not a jumbo. I did it through better.com. Whole process was so easy and cost us nothing out of pocket for it with the lender credits we got. We didn't even need an appraisal because they said our house was worth at least 25% more than we bought for 18 months ago and we weren't cashing out any equity.
     
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  7. Festus McBadass

    Festus McBadass Cool ass dog and 5 star recruit
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    Has anyone done a VA IRRRL refinance?
     
  8. Cooler

    Cooler A mans gotta eat
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    The wife wanted to build a home badly also and would not stop talking about it the past year. I was pretty hesitant on it.

    We just signed a purchase agreement last week and picked the exterior. Process hasn't been too bad yet. Trying to find the perfect lot was tough. Looking at a bunch of open houses of new builds from different companies was actually pretty cool. Next week we will pick interior items and should have layout finalized. After that, it just feels like we will be sitting and waiting for it to get completed. Few steps in between, but not much. I've enjoyed most of it so far.
     
  9. AptosDuck

    AptosDuck Pedantic Hausfrau
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    Just locked in at 2.5% for a 20-yr

    Knocking 5 years off the back end, and $200/mo lower payments

    whee
     
  10. pperc

    pperc Well-Known Member
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    what was your prior rate?
     
  11. AptosDuck

    AptosDuck Pedantic Hausfrau
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    Sadly, 4.625%. We did a painful refi in 2015 when the business was still digging out from under the recession, because we had a heloc reverting from draw to payment phase and we wanted to bundle it together with the first mortgage. Made for a less desirable rate

    I remember getting 7.75% in 1998 when we bought a townhouse in LA and thinking it was a deal
     
  12. Barves2125

    Barves2125 "Ready to drive the Ferarri" - Reuben Foster
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    If any of y'all ever want a quote on a rate, I'm happy to give you one so just PM me and ask. I am only licensed to lend in Alabama, Georgia, Tennessee, and North Carolina currently but can give anyone a quote you can use to shop around or I can just put you directly in touch with someone that does lend in your respective state and should be able to match the rate I've quoted for you. Thank you and goodnight.
     
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  13. lfriend

    lfriend Well-Known Member
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    Fuck appliances, especially LG ones.

    Woke up yesterday to my wife telling me that all the burners and the oven aren't heating up. 2nd time in less than 2 years this piece of shit has needed repairs. :killme:
     
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  14. JacobPalmer

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    Sort of off topic but this seems like the best place to ask. My Dad and his brothers and sisters are trying to keep a closer eye on my Grandpa. 85 years old, lives at home alone, some minor dementia. Apparently tonight he wasn't answering his phone and they were worried he may have left the house or had fell or something. They want to set up some cameras in his house to be able to see what he's up to and make sure that he's safe. A little screwed up but ¯\_(ツ)_/¯ I guess if it means it will help him be safe at home.

    What's the best camera/app combo for him and his brothers and sisters to be able to pull up their cell phones and get a live look at what's happening in the house?
     
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  15. Born Again Lefty

    Born Again Lefty Respect The Pouch
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    Wyze
     
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  16. THF

    THF BITE THE NUTS, THUMB IN THE ASS!
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    Wyze now has a bunch of $20 cameras which are apparently fantastic. Apparently they are the third generation. It’s water resistant and has pretty decent night viewing.

    I bought one of the V2 for a baby monitor and I love it.

    I would buy a bunch of those and you can drop them in the common areas with his permission and you should be good to go.
     
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  17. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
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    really unfortunate situation man.

    Some apps only allow viewing live, some include recording and viewing later. You might prefer the second, to see if he goes out the front door etc.

    We have Nest and pay for 24/7 recording but there are tons of options that are also good. I would have no issue recommending Ring as well.
     
  18. JacobPalmer

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    Thanks. Getting old sucks.
     
  19. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
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    Wyze is a great hardware company. Since I haven't used it before. I'm not familiar with their cloud and remote streaming.

    Can jacob palmer's family members easily access via an app on their phones?
     
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  20. Lyrtch

    Lyrtch My second favorite meat is hamburger
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    Nest is pretty seamless, had one with the recording function for years
     
  21. Born Again Lefty

    Born Again Lefty Respect The Pouch
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    Extremely easy, records on movement and holds 14 days for free
     
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  22. THF

    THF BITE THE NUTS, THUMB IN THE ASS!
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    Yea and I really am a fan of the fact you can share individual cameras with specific people. So if you want you can only share interior cameras with the family, but maybe a camera in the garage on his vehicle could be accessed by extended family. Each person has their own account so no need to share user names or passwords.

    All the devices can take a simple SD card as well if you want local recordings.

    As I said I was really impressed for what I got when I dropped like $50 for two cameras.
     
  23. PAHokie

    PAHokie Can't a bitch living say I bought her Michael Kors
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    Wyze is fantastic. Pretty much been buying everything they come out with.
     
  24. bigred77

    bigred77 Well-Known Member
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    Team wyze
     
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  25. Sub-Zero

    Sub-Zero ALL THE TOSTITOS!!!
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    Is it some sort of milestone when you buy your first Dyson?
     
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  26. PAHokie

    PAHokie Can't a bitch living say I bought her Michael Kors
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    Found out my Dyson stick battery is probably shot. Just past warranty too.
     
  27. WillySaliba

    WillySaliba Well-Known Member
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    Did you call them?
     
  28. PAHokie

    PAHokie Can't a bitch living say I bought her Michael Kors
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    I have not. Guess I should try that. When I last went to use it it wasn’t holding a charge. Looked at some online troubleshooting and figured it was the battery then I just moved on with my day.
     
  29. texasraider

    texasraider thanks
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    fuck Dyson. Those batteries suck. We went through two stick vacuums and the batteries suck and no matter how often you clean them, they smell like shit after a while. We switched to shark and it's much better so far
     
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  30. bigred77

    bigred77 Well-Known Member
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    Why arnt you people just letting the maids do their job?
     
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  31. WillySaliba

    WillySaliba Well-Known Member
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    Agreed been through two batteries and mine smells like shit. What model shark do you have?
     
  32. texasraider

    texasraider thanks
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    Rocket pet pro
     
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  33. a.tramp

    a.tramp Insubordinate and churlish
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    Miele for life.
     
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  34. AptosDuck

    AptosDuck Pedantic Hausfrau
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    Yep, Team Miele

    Das Beste oder Nichts
     
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  35. Anison

    Anison Fair and square
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    Facts only.
     
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  36. blind dog

    blind dog wps
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    My in laws just looked at a house for sale in our neighborhood even though my wife nicely told them a month ago that was waaaaaaaaaayyy too close

    [​IMG]
     
  37. NineteenNine

    NineteenNine Divers are, in fact, wankers. It's science.
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    You should probably burn that house down.
     
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  38. Boom TittyMilk

    Boom TittyMilk User Formerly known as Big R
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    Or just buy it
     
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  39. NineteenNine

    NineteenNine Divers are, in fact, wankers. It's science.
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    I mean, that’s fine too.
     
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  40. theregionsitter

    theregionsitter Well-Known Member
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    Ordered our CAFE appliances back in October

    Just got a confirmed delivery date today of April 10th

    Our closing date in April 7th- pretty wild this barely worked out with that much time given.
     
  41. ned's head

    ned's head Well-Known Member
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    Dfw housing market is nuts. There is no inventory at all. We finally found a place with a perfect floorplan. Got the inspection and it needs $60k in plumbing, new drains, and will need 2 new furnaces, AC units, and water heaters.

    :killme:
     
  42. texasraider

    texasraider thanks
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    I’m embarrassed to say how much my next door neighbor got for his house. Had four offers above asking within 48 hours of list. And my house is bigger than his. It made me think about listing ours and downsizing a little but one look at what was out there made me shut that idea down with the quickness.
     
  43. ned's head

    ned's head Well-Known Member
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    We're hoping to downsize and I want nothing more than to get this bitch on the market.
     
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  44. Degausser

    Degausser #NewProfilePic
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    Should be putting our old house on the market this weekend. Hoping it flies like every other house around.
     
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  45. VASooner

    VASooner Well-Known Member
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    Closing a refi on 2/15.

    2.25% 30 year VA loan.

    Feels good man.
     
  46. Harry Twatter

    Harry Twatter Brooks was here

    Wow
     
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  47. Festus McBadass

    Festus McBadass Cool ass dog and 5 star recruit
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    I’m looking into this too. Did you look at the VA IRRL program? Or did you just go with a regular VA refi?
     
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  48. VASooner

    VASooner Well-Known Member
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    Just a standard VA. I have a local guy that's been great, but he was being slow as hell. Actually just said F it one day, ran my stuff through Rocketmortgage to see what the numbers would look like and almost fell out of my chair. All in all, from application to close in about 3 weeks.
     
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  49. Imurhuckleberry

    Imurhuckleberry Avid spectator of windmill warriors
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    We met with the land owner who is also the custom home builder to look at the property and some of the houses he's built in the area. The ideal property is all sold and we are looking at the last undeveloped acre on the ridgeline. I had some plans of trying to negotiating on the land price. In the hour we were there 5 groups randomly came up to ask who owned the land and if it was for sale. Long and short we are not negotiating any longer.
     
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  50. comrade static

    comrade static i love french fries
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    I just got someone in on a 1.99% IRRRL with Rocket. He’s thrilled to say the least.
     
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