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. Jorts

    Jorts "Ask about my Mortgage Services"
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    That’s great. Them approving the offer is the most drawn out part
     
  2. CF3234

    CF3234 Fan of: Bandwagons
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    You good then.
     
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  3. THF

    THF BITE THE NUTS, THUMB IN THE ASS!
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    This sounds like an opportunity. We should all start a YouTube channel.
     
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  4. BuckeyeRiot

    BuckeyeRiot Team Nicki
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    Thanks, equal parts thrilled and terrified.

    Yeah we capped their time too so if it takes more than 120 days we’re out free.
     
  5. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
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    have him walk his neighborhood until he finds the clint-eastwood-in-gran-torino type and form a relationship.
     
  6. LSU90

    LSU90 Well-Known Member

    So in the market for washer and dryer and see that this board is high on the LG's. I am between that and speed queen but have read about all of the issues they have had over the last two years. Are the new speed queens worth the extra coin over the beloved LG's? Sounds like the Speed Queen TR has not been performing well but the TC (old school remake) has gotten good reviews.
     
  7. Alshon

    Alshon Well-Known Member
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    I purchased my first home this summer. It’s been fun so far, but I’m perplexed at this thing in my back yard. All I know is this thing will not wiggle at all. Any guesses as to what this things purpose is?
     

    Attached Files:

  8. Degausser

    Degausser #NewProfilePic
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    That's a tree
     
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  9. texasraider

    texasraider thanks
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    Hard to tell from the picture how big it is but it looks like a vent for a storm shelter or possibly one of those tubes that you use at the bank drive through.
     
    One Two, dump, Rabid and 1 other person like this.
  10. bigred77

    bigred77 Well-Known Member
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    Is the pipe wrapped around the wood?
     
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  11. WillySaliba

    WillySaliba Well-Known Member
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    Are you on a well? Possibly failed attempt that was never cleaned up? That’s strange for sure.
     
  12. NDfanPSUgrad

    NDfanPSUgrad Well-Known Member
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    What did they say when you asked the realtor when you were looking to buy the house?
     
  13. WillySaliba

    WillySaliba Well-Known Member
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    And did the inspector say anything? I could see either a guy says nothing or wants to excavate the entire yard.
     
  14. Duck70

    Duck70 Let's just do it and be legends, man
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    old post for a bird feeder perhaps? People will wrap trees and poles with metal like that so squirrels can't climb up and steal all the food.

    Also the non-weathered area tells me something was attached on top
     
  15. mangler

    mangler Well-Known Member
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    Dishwasher flooded the kitchen Sunday night. Started about 11:30, woke up at 6:30 Monday morning and it was still running a "cleaning" cycle wth water pouring out the front.

    Water was standing in about half of the kitchen and into the foyer and down the hall. Kitchen is tile we put in shortly after we bought the house in '09. Elsewhere we had engineered hardwoods put in 2 years ago.

    Used the shop vac to suck up what I could. Probably pulled up 20 gals of standing water.

    IMG_20190902_064306.jpg IMG_20190902_064257.jpg

    Attached are pics after I had started cleanup, but before I was finished as well as when I came home at lunch yesterday. Water is so destructive.

    Local insurance adjuster was helpful in getting demo team out quickly, but hepromptly moved me to an inside adjuster whom I haven't heard a peep from in 3 days.

    PANO_20190904_130025.vr.jpg
     
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  16. Duck70

    Duck70 Let's just do it and be legends, man
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    damn man that fucking sucks
     
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  17. buy_dont_lease

    buy_dont_lease Ha ha ha. What a story, Mark.
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    Sorry man, that sucks. We just had some friends over tonight for dinner and a play date with our kids because they’ve been stuck in an extended stay hotel since last Tuesday. Their whole house flooded with water nearly knee-high when a main water line feeding one of their bathrooms burst and pumped hundreds of gallons of water into their house all day while they were at work.
     
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  18. mangler

    mangler Well-Known Member
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    Wow. I can't even imagine what kind of damage that would do.
     
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  19. ButchCassidy

    ButchCassidy Well-Known Member
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    Yikes man. Our washing machine flooded again, but it was in the basement and only damage done is the smell. Sorry to see it, and good luck!
     
    mangler likes this.
  20. Beachy Toast

    Beachy Toast He wants you too, Malachi.
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    Wow that sucks dude.
     
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  21. ned's head

    ned's head Well-Known Member
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    Flooding is the worst. We lost our engineered hardwoods and a bunch of drywall a week after moving in to our new house. Still haven't fixed it :badasswolf:
     
  22. texasraider

    texasraider thanks
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    Friend of mine was remodeling his upstairs bathroom. Cut a main line. First bid to fix everything was $125k
     
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  23. buy_dont_lease

    buy_dont_lease Ha ha ha. What a story, Mark.
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    They’ll end up having lots of drywall replaced, and all flooring will need to be replaced. Beyond that, it sounds like most of the kids clothes/toys/books were destroyed since most of it was kept low to the ground. They are just waiting now for the restoration people and the insurance company to work out what other furniture and personal belongings can be salvaged or need to be replaced. Apparently because the water traveled from a depth of 3 feet underground and contacted the soil before entering the house, basically anything that contacted the water is deemed ruined.
     
    One Two, dump, mangler and 1 other person like this.
  24. bigred77

    bigred77 Well-Known Member
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    :chrispaulnoooo:
     
  25. MoJo

    MoJo It bees that way sometimes...
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    Festivus pole obviously...
     
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  26. lfriend

    lfriend Well-Known Member
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    Best Buy couldn't wait to replace my LG Washer with something else a few years ago. So if you do go with the LG, get the extended warranty.
     
  27. Russellin4885

    Russellin4885 Well-Known Member
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    They not know where the main shutoff was or something?
     
  28. texasraider

    texasraider thanks
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    I suppose not
     
  29. bigred77

    bigred77 Well-Known Member
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    Contractors love guys like your friend
     
  30. THF

    THF BITE THE NUTS, THUMB IN THE ASS!
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    My cheapness knows no bounds. Topsuite would be so proud.

    I am now switching to shopping almost exclusively from Home Depot due to the fact when I pay with my credit card, they email me a receipt. I store those emails in a random folder in my gmail.

    I have a garden hose I bought from HD last year. I went to attach a spray nozzle and the link between the part which is attached to the rubber hose and the screw the spray nozzle attaches to, broke a little bit to where water sprays out the side of it. Its not an issue when you don't have pressure at that joint, but when I water the plants, it sprays all over the place.

    So I went to gmail and searched for "hose", found the receipt, it was from August of 2018, I took a pic of the receipt, took a video of where the water was spraying and found an email for the company online. I sent them an email with the video and pic of the receipt. I got an email the next week saying they were sorry and asking for my address. I got a brand new hose last night in the mail.

    I also bought a set of pans from Calphalon a couple years ago. Apparently they have a lifetime warranty. One of them had a bunch of burnt on grease from searing food after using the sous vide. I sent an email to their warranty department a couple weeks ago. Yesterday, I got an email from them asking what the issue was and if i could take some pics and send it to them. I sent it last night and this morning got an email saying a new pan was being fedex'ed to my house and to expect it in two weeks.

    :gocho:
     
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  31. mangler

    mangler Well-Known Member
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    2 weeks?
    Sure it's not going out by dog sled team?

    Congrats on the replacement s?
     
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  32. RockHardJawn39

    RockHardJawn39 #FranklinOUT
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    Any mortgage experts in here? Trying to figure out if this is worth it.

     
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  33. MoJo

    MoJo It bees that way sometimes...
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    Pay the 15 year rate if you’re staying in the house long term and don’t bother refinancing
     
  34. jbr

    jbr Well-Hung Member
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    I actually just closed my refinance through Jorts this week. I went down about .75% total APR and will be saving quite a bit between the two loans. Paying the same amount in principal+interest with my new rate will cut off ~8 years and $50k in interest over the life of the loan. (I’m not a finance professional and understand this may not be the most efficient use of money, etc.) To me, it was worth it.

    Check out better.com too. That process was very competitive albeit a little more impersonal/intimidating.
     
  35. Marbles

    Marbles Trudging the road to happy destiny
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    Is there a yard/garden thread. Thinking about pulling up the petunias in a few months and am looking for some winter color in my flower bed.
     
  36. Russellin4885

    Russellin4885 Well-Known Member
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  37. billdozer

    billdozer Well-Known Member
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  38. RockHardJawn39

    RockHardJawn39 #FranklinOUT
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    upload_2019-9-6_15-38-17.png
     
  39. gilstein21

    gilstein21 Tight Rip 26 Seal Right
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    Jorts also introduced me to the idea of recasting a mortgage, which I never even knew about.
     
    Jorts likes this.
  40. THF

    THF BITE THE NUTS, THUMB IN THE ASS!
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    Explain this to me like I have no idea what you are talking about.
     
  41. gilstein21

    gilstein21 Tight Rip 26 Seal Right
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    I’m not the expert. It’s better than a refi if you are/can bring a decent lump sum.
     
  42. Matt Foley

    Matt Foley RIP EARL
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    Better in what way? Feels like you're giving up the advantages of the falling interest rate climate that we find ourselves in.
     
  43. gilstein21

    gilstein21 Tight Rip 26 Seal Right
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    That would be dependent on your current rate vs new rate too. Google it; I forgot all the details
     
  44. RockHardJawn39

    RockHardJawn39 #FranklinOUT
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    Thanks for the help!
     
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  45. Jorts

    Jorts "Ask about my Mortgage Services"
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    I’ll reply tomorrow
     
  46. ned's head

    ned's head Well-Known Member
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    I just did it. The benefit is that you can reduce your payment with a lump sum quickly and cheaply. My recast was $300, whereas a refi would be thousands (I think).

    We bought before our old house sold, so we used the proceeds to reduce our payment by 65%. Term and rate were unchanged.
     
  47. Bruce Bowen

    Bruce Bowen Well-Known Member
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    Give him that google/youtube advice and that:
    Every project no matter how small will take 2-3 trips to the hardware store
    Don’t go with cheapest tools as he will 100% need them again for future projects
    Yelling obscenities is part of the process
     
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  48. Jorts

    Jorts "Ask about my Mortgage Services"
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    Recasting Breakdown:

    The amount of principle reduction required varies from lender to lender, but is generally 5-10% of your remaining balance. Also, all loans are not eligible... so review your mortgage terms.

    Call your existing mortgage co. & request a "recast" PRIOR to making any additional lump sum payment. You have to go through a qualifying process. As mentioned, they will charge a nominal fee.

    Once "approved", they will apply your lump-sum payment & re-amortize the remaining balance over remaining term of your mortgage. It has the net effect of reducing your monthly mortgage payment. However, your existing rate & all other terms remain the same
     
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  49. Jorts

    Jorts "Ask about my Mortgage Services"
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    Rates have been this low 3 times in the last 10 years. There is not room for them to go much lower.

    As I told jonbenetramsey , you will drive yourself crazy worrying about what rates are going to do on a day-to-day basis. The lowest rate or "we'll pay your closing cost" options are generally not the best deal.

    USAA is generally one of the most expensive lenders, but the figures you posted seem insanely high... even by their standards. You have likely misinterpreted their Loan Estimate, or you are trying to refinance a $1M+ home
     
  50. pez

    pez Competent
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    Is this just to aid monthly cash flow? Would it be better than making an extra principal payment every year?