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. Pharm

    Pharm Right Handed
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    Yeah not sure what we plan to do about yet
     
  2. EMAW FC

    EMAW FC Proud Smucker
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    I’ve never seen that before in the 3.5 years we’ve owned it. It also was beeping in a super weird way that didn’t suggest it was a good thing
     
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  3. bigred77

    bigred77 Well-Known Member
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    Was joke.
    It was probably an error code something about your Heating Element
    Try googling it for your model yet?
     
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  4. Druce

    Druce Fuck football.
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    I actually saw another video that said the problem is the seam between the fridge and the ice maker unit. I talked to the extended warranty people and they're sending me a seal kit. I couldn't figure out the button combination to do the defrost thing on the model fridge I have.
     
  5. THF

    THF Banned From Hogville for Being an Ass
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    Yea but its over 10 years old and I was thinking I could probably get one with a better battery. The drill came with a flashlight which is working but comes apart easily, I was looking to replace both.
     
  6. bigred77

    bigred77 Well-Known Member
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    K, makes sense
    I recommend makita
     
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  7. tigr2ndbase

    tigr2ndbase Well-Known Member
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    Now that we're officially moving forward..time for a lengthy update/story. As I posted a couple months ago we found the area we want to be in here in the Tampa area and signed to build with a builder. We should have done better research upfront but it all worked out. We had Lot A (first choice) with one builder then Lot B with another. Our agent had them battle to see who could give the best deal. We went with Lot B, builder with lower house price, and a little better incentives. First surprise, when we were signing they wanted 10% down instead of the typical $5,000. That was a big check to write. During the design center preview they nickel and dimed the crap out of us. What should be standard in this price range was upgrades. No working with us, it was all about their timetable with no flexibility. We couldn't go look at the house without one of their employees on site during the build process. During the time we're figuring all this out, Wells Fargo was having a hard time approving me because of my new transition to a different company and the way I'm paid. They went back and forth with our HR and my region manager for over a month. Finally I said, either approve us or not. They couldn't so that gave us an out to back out with that builder and get our deposit back. What a blessing. I found a floorplan 2 weeks later from the other builder we talked to that I really liked. They had one built in the subdivision. We looked at it and he told us the lot we wanted was still available. Surprised us as every other lot on that street has been sold. They offered us the same deal as before so we put money down with our Lot A choice with a better floorplan for us. This is going to be about $20-30,000 cheaper than what we would have done with the previous builder and on our original lot we wanted. We've gone through the design center and loan approval and what a breath of fresh air it's been. Just an awesome experience and they truly cater to us. Excited to go through this process as this is probably going to be our home for a long time.
     
  8. Jorts

    Jorts "Ask about my Mortgage Services"
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    You get the income verification issue resolved?
     
  9. theregionsitter

    theregionsitter Well-Known Member
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    As a realtor I cannot stress enough how important it can be to meet with multiple lenders and not just your local bank
     
  10. Oranjello

    Oranjello Well-Known Member
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    About to begin this process in January and purchase my first house in the next 6 months. Any tips for things to look for/raise when meeting with lenders?
     
  11. Druce

    Druce Fuck football.
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    Jorts will take care of you
     
  12. EMAW FC

    EMAW FC Proud Smucker
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    Yeah that’s why I said in the first post that it was related to the heating element
     
  13. The Banks

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    Dewalt, Makita, and Milwaukee are all good.
     
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  14. tigr2ndbase

    tigr2ndbase Well-Known Member
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    Yes. No issues with the new lender with the new builder. I’m on a draw technically but the way my company does it is they wipe “x” amount of a negative draw the first year and less the following year. So basically I’m on a salary while “training” but of course if I make more than my draw I get commission. In the offer letter instead of calling it a draw, the worded it as an interest free loan. Well the underwriter couldn’t past the word “loan” and kept saying I have to pay it back. My wife and I joke we were dealing with Sheldon from Big Bang. It’s a blessing though as this is night and day from the first builder to this one.
     
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  15. Jorts

    Jorts "Ask about my Mortgage Services"
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    To be fair, all underwriters are basically Sheldon. Being an UW at a big bank only compounds the issue. That verbiage is problematic... Glad it worked out.
     
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  16. CF3234

    CF3234 Fan of: Bandwagons
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    Does this include price matching against tmb’s resident mortgage guy Jorts. Anyone volunteering to take him on?
     
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  17. -Asshole-

    -Asshole- TMB OG Reject
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    Pretty easy. I did have to get in the attic and install some little conversion kit but it came with clear directions so it wasn’t hard. Everything worked on the first try and I installed on two different units.
     
  18. Jorts

    Jorts "Ask about my Mortgage Services"
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    If you look long enough, there is always someone out there wiling to make a little less for any deal. Cheapest isn't always the best.

    theregionsitter was spot on. I recommend getting 2-4 quotes. The only caveat I'd add would be to get a quote from someone you know & trust... be that a friend, neighbor, family member or your Realtor's "preferred" lender. You want someone knowledgeable, who is your advocate throughout the process.

    A more seasoned Loan Officer would have dealt with tigr2ndbase income verification issues upfront & avoided a bad outcome... fortunately it worked out in his favor. These transactions are complicated & can go sideways quickly... that's why choosing the right lender is important.
     
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  19. CF3234

    CF3234 Fan of: Bandwagons
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    Just messing with you Jorts
     
  20. mp_22

    mp_22 Well-Known Member
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    Does anyone have any experience building a bar? If so can you please share your experience
     
  21. a.tramp

    a.tramp Insubordinate and churlish
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    It is like a tall base kitchen cabinet. I hope this helps. Good luck.
     
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  22. Funshot Residue

    Funshot Residue Fine Young Cannibal
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    It's all in the top material/finish. Nobody notices the cabinet or base. Do you have specific questions?
     
  23. mp_22

    mp_22 Well-Known Member
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    On average how much would I be spending?
     
  24. Wallcoq

    Wallcoq Miles of D.
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    Depends on the top and finish.
     
  25. comrade static

    comrade static i love french fries
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    Find a State Farm agent that can do mortgages. They have very competitive rates and some of the lowest fees in the industry. Along with that, they never sell the servicing side of the loan which means if you have questions you never have to figure out who your new bank is after they sold your loan to another bank.
     
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  26. Funshot Residue

    Funshot Residue Fine Young Cannibal
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    How big are you planning on? What do you want it to look like? Plumbing/sink? Post a picture of something you like. You could spend $300 or $20000.
     
  27. bigred77

    bigred77 Well-Known Member
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    Eathan Edwards
     
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  28. The Banks

    The Banks TMB's Alaskan
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    devine
     
  29. Jorts

    Jorts "Ask about my Mortgage Services"
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    I've actually struggled with how to handle/manage this thread, with regard to my ability to beat any offer nationally. It would help everyone here & certainly help my business, but I opted to not make that known. Ultimately, I decided it ran counter to the purpose of the thread. I've only brought it up when/if someone reached out to me directly.

    I've limited my scope here to answering questions & offering advice. Having worked in home lending for 18 years, I offer a unique perspective... That is best shared if you guys can come to me, without fear of being sold.

    You, being among the dozen or so that I have helped, can testify to that approach.
     
    #16929 Jorts, Dec 7, 2018 at 9:15 AM
    Last edited: Dec 7, 2018 at 7:58 PM
  30. THF

    THF Banned From Hogville for Being an Ass
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    Completely honest opinion to all those who come across Jorts post, I have spent almost 20 years in real estate in various capacities and I want to be very clear, price should always come a close second when looking at variables in choosing a lender.

    I have come across lenders who had the least cost but couldn’t manage the process to save their lives. In the end this caused huge additional costs due to them fucking up the docs or inspections or whatever.

    First and foremost chose a lender who knows what the fuck they are doing. From what I can tell (no personal experience) Jorts knows what he is doing and you have no idea how valuable that experience will be when you are a week out from closing. I have seen closings delayed a week, a month, and cancelled because of fuckups by lenders.

    Most people I hope never come to understand exactly how poorly managed most of the lending process is when you work with someone who doesn’t have the experience.

    Just my rambling two cents.
     
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  31. CF3234

    CF3234 Fan of: Bandwagons
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    Jorts best trait imo. It takes less then 5 min to get a response from him. I’ve had to wait days from others lenders
     
  32. a.tramp

    a.tramp Insubordinate and churlish
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    I told you attaching a dic pic to every email would get Jorts attention
     
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  33. CF3234

    CF3234 Fan of: Bandwagons
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    Shhhhhhh
     
  34. texasraider

    texasraider thanks
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    there's a reason why his favorite type of loan is a jumbo
     
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  35. Pharm

    Pharm Right Handed
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    So my neighbor was getting gutters installed. I asked the guys to quote me after they were done, and we essentially have the same exact house plan. Guy takes me to the side and says that he is a contractor for this company and actually puts gutters up at as a side project with his brother alumnunum company. He quoted me 1k for the whole house and said my neighbor cost 3.1k because of the overhead at a bigger company. The only caveat would be no warranty, which is kinda big.i think
     
  36. Wallcoq

    Wallcoq Miles of D.
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    Unless Florida has some weird environment thing where gutters are more susceptible I don't think a warranty is needed. I never even considered that gutters came with a warranty. That being said I think that is a very reasonable price.
     
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  37. Pharm

    Pharm Right Handed
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    Guys said they get the same price as the gutter company bc they work in the aluminum business. Seems like a good deal and I mean they would be same people installing it. Just skipping the middle man.
     
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  38. CF3234

    CF3234 Fan of: Bandwagons
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    Do it. Even if you have to replace them you are still 1k ahead.
     
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  39. The Banks

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    You could have him replace them 3 times before it would’ve been worth going through the contractor route.
     
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  40. Duck70

    Duck70 Let's just do it and be legends, man
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    Yeah do it. If his brother has an aluminum business then he is saving like 2 additional profit margins for material as opposed to the contractor route.

    Just talk to your neighbor afterwards to see how good the work was. Kind of hard to fuck up gutters though.
     
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  41. lechnerd

    lechnerd low energy lech
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    I recommend just paying cash and avoiding the lending process altogether.
     
  42. Jorts

    Jorts "Ask about my Mortgage Services"
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    Said by no Financial Advisor, ever
     
  43. lechnerd

    lechnerd low energy lech
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    I didn’t get to where I am in life listening to “financial advisors”.
     
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  44. buy_dont_lease

    buy_dont_lease Ha ha ha. What a story, Mark.
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    Posting while on work/release from a minimum security federal prison camp
     
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