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. Doc Louis

    Doc Louis Well-Known Member
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    Congrats on the new place though!!
     
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  2. theregionsitter

    theregionsitter Well-Known Member
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    nope I bought
     
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  3. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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  4. theregionsitter

    theregionsitter Well-Known Member
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    wasnt that house, they were bidding in a subcity of Columbus called Bexely. It’s like a city within the city- own schools, police, fire.

    Columbus is pretty damn wealthy- home prices here are not cheap unless you go 30 mins outside the city
     
  5. MORBO!

    MORBO! Hello, Tiny Man. I WILL DESTROY YOU!!!!
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    Update. Went with the 2x4. Glad I did.
     

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  6. Open Carry

    Open Carry TMB Rib Master
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    Well after two months and 6 offers, I’ve finally gone under contract today for my first house.
     
  7. Russellin4885

    Russellin4885 Well-Known Member
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    I'm probably too late but for anyone in the future you can skip this part and save the time and money IMO. I have laid down different weed sheets several times and I swear they attract weeds. Just skip it and then stay on top of spraying them or picking them as they come up. Or if you really want to stop them put down a preemergent in the spring and fall.
     
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  8. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
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    Anyone refi recently? I bought a year ago at 3.375 and noticed there are a bunch of 2.25/2.375 rates being advertised. Wasn't sure if that was with a ton of points or what.

    Wondering if anyone has any recent experience. I think we have some loan officers here, right?
     
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  9. Uncle Tupelo

    Uncle Tupelo Well-Known Member
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    I read that fucking Springfield is now the 5th hottest home market in the country now, because people who work in Columbus, can't afford housing in Columbus.
     
  10. TAS

    TAS 20_ _ TMB Poster of the Year
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    I started the refi process 3 weeks ago. As of mid-May, the mortgage company I've worked with was offering 2.24% on a 15 yr refi and 2.99% on a 30 yr. Both without points.
     
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  11. Det. Frank Bullitt

    Det. Frank Bullitt God Bless Texas
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    If you keep soil off the sheet, then you shouldn't have an issue.

    My neighbors beds that straddle our property line works just fine, which they've finished with rock.
     
  12. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    I got 2.875% on my 30 year
     
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  13. Russellin4885

    Russellin4885 Well-Known Member
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    North Carolina State Wolfpack

    Maybe mine are just shit cause I spent time this last weekend weeding my gravel pathway that had tons of weeds that I put sheets down in. Also had the same problem with my fire pit that was gravel.
     
  14. BamaNug

    BamaNug The journey itself is the point
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    Anybody have experience with tankless water heaters?
     
  15. arrdub

    arrdub Well-Known Member
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    lol
    lechnerd

    I am a 10-year ish Rinnai owner. Love it.
     
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  16. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    I’ve used one for the last three years. They’re pretty sweet.
     
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  17. BamaNug

    BamaNug The journey itself is the point
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    From what I've read, the size is dependent on how many water sources you have -- mine will only have one shower and a sink, so I can go pretty small.

    I've also read that it has to be installed by a professional based on ventilation. Hoping to get out the door, installation and all, for under $1,000. Is that a realistic goal?
     
  18. arrdub

    arrdub Well-Known Member
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    Florida State Seminoles

    It was a multiple of that many years ago for bigger household needs but suspect a lot of the hookup (labor to install, run gas lines etc) is household demand agnostic.
     
  19. ned's head

    ned's head Well-Known Member
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    Microwave was to be installed today. Never got a window, so I called to find that home depot entered it into someone else's name, who cancelled upon receipt of said window. Another week without a microwave
     
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  20. Bruce Bowen

    Bruce Bowen Well-Known Member
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    Buy counter top microwave. Return next week. Problem solved.
     
  21. Barves2125

    Barves2125 "Ready to drive the Ferarri" - Reuben Foster
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    PM me some info and I can give you a real quote to kick around.
    -credit score
    -estimated home value
    -current loan balance
     
  22. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
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    Amazing
    LTV would be about 65%, below jumbo max
    DTI fractional
     
  23. Barves2125

    Barves2125 "Ready to drive the Ferarri" - Reuben Foster
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    Hard to say without specifics to work with but probably not worth it for you right now. Rates are around 3.0-3.125% with no points on a 30yr.
     
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  24. Where Eagles Dare

    Where Eagles Dare The Specialist Show On Earth
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    Yeah, thanks.
     
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  25. ned's head

    ned's head Well-Known Member
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    First week at the new place is turning out to be legendary.
    • $14k in exterior foundation work.
    • Slight change of foundation plans resulted in garage being inaccessible when we had movers, so I'm just doing most of it manually.
    • Foundation work resulted in a sewage leak somewhere in the house. Probably will have to rip up the kitchen to find it.
    • Owners left a fridge, so we sold our relatively new one. Come to find the ice maker is broken.
    • Backyard is a literal lake and is going to require regrading.
    But at least the last owner left me one (1) condom in the medicine cabinet, so I can put that over my head and fucking suffocate myself.
     
  26. UncleJesse

    UncleJesse I'm not really in to dinosaurs right now.
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    Man, when you start having those kinds of problems with a house it's probably time to move.
     
  27. NoNatty

    NoNatty Keyboard Cowboy
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    It's a Samsung isn't it.
     
  28. ned's head

    ned's head Well-Known Member
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    The one we sold was a Samsung and it was likely the only one in existence that worked
     
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  29. Open Carry

    Open Carry TMB Rib Master
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    This is my nightmare. I offered on this house with the intention of doing some significant renovations before I move in, but if stuff like that pops up I might just off myself. Hopefully my inspector is competent :ohdear:
     
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  30. pperc

    pperc Well-Known Member
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    regrading or a large underground cistern project?
     
  31. ned's head

    ned's head Well-Known Member
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    I didn't initially think about doing the latter, but I've also never heard those pretty words strung together. What I really mean is I need to pay a smart water person a bunch of money to make the water go away.

    But now you've opened a new research rabbit hole, and for that I thank you.
     
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  32. pperc

    pperc Well-Known Member
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    the prior homeowners of mine had to put in a cistern system underground to manage all the water given the lake effect that occurred during heavy rains. Unfortunately, if you have neighbors you can just send all the water to them it turns out.
     
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  33. THF

    THF BITE THE NUTS, THUMB IN THE ASS!
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    Luckily most ice maker repairs are pretty easy, they are just expensive. Congrats!
     
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  34. Stone Cold Steve Austin

    Stone Cold Steve Austin Tickler Extraordinaire
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    Ice is bad for enamel so congrats on saving on dental bills
     
  35. Jorts

    Jorts "Ask about my Mortgage Services"
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    Best smart lock (preferably with a key option) …. Wife can’t seem to lock a fucking door before she leaves
     
  36. bigred77

    bigred77 Well-Known Member
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    Interested too, as I just had to carry the sleeping 7 year old into the house and unlocking the door with a key sucked
     
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  37. goblue31602

    goblue31602 Well-Known Member
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    We have a schlage and like it so far. Have only had it 6 months so someone else may have not experience with them.
     
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  38. Barves2125

    Barves2125 "Ready to drive the Ferarri" - Reuben Foster
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    Got an August that I generally like. Works on double cylinder locks so you can still use a key as well.
     
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  39. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State WildcatsSeattle Kraken

    Have a Schlage as well. Couple with a Smart Things door sensor and the IFTTT app and I had the lock auto locking after the door was shut for 30 mins. Works real nice.
     
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  40. PAHokie

    PAHokie Can't a bitch living say I bought her Michael Kors
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    Second for August, but again I’d probably buy WYZE now. Cheaper with same function for every smart product they make.
     
  41. THF

    THF BITE THE NUTS, THUMB IN THE ASS!
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    Depending on the lock and the smart app you are running, the app may have an auto lock function. Mine locks automatically 10 seconds after having been unlocked.

    The code I am running I think will store up to 30 codes. Some can be time and day sensitive as well. So a housekeepers code only works on Wednesday afternoons for example.

    Love the things you can do with a smart lock. I am running a Schlage. The keypad is so clutch for not needing to take a key with me for a walk.
     
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  42. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State WildcatsSeattle Kraken

    Tbh I think it was actually a algorithm in Smart Things, not IFTTT but thats a minor difference. Smart lock with keypad is awesome. My current rental has some smart lock with no keypad and it’s kinda like what’s the point.
     
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  43. Rabid

    Rabid Fan of: DQ Treats
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    USI is much better than Xfinity but it’s mostly because of price. We can’t get USI here so ive had Xfinity for the last 7 years with minimal issues. They just overcharge and make it hard to talk to anybody when there is an issue (which for me has more commonly been on cable).
     
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  44. LSU90

    LSU90 Well-Known Member

    Seem somewhat knowledgable on how exactly financing a big renovation would work. Background: Bought house for 360k with 20% down @3.875% for 30 years 2 years ago. Put 40k into it immediately and with current market its probably worth about 425k. A year ago I refi'd to 25 years at 2.875% and kept my monthly payment the same. Now the wife and I would like to do the rest of our renovations for the house within the next year. We have 42k set aside for the reno right now and add about 2k-3k per month to that fund. Everything we want to do will probably be in the ballpark of 150k and should get most of that returned in value. Where my confusion comes in is how much the bank will lend me and what kind of financing. Based on the original purchase price of the house we only have about 21% LTV, but since that purchase like I mentioned we put 40k into it and the market is up so is the amount of HELOC they give you based on that original purchase price, the current value of the house, or the future value based on renovations?
     
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  45. CF3234

    CF3234 Fan of: Bandwagons
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    Schlage (then make sure you get the one that works with your smart home system). Ex Schlage encode is the one that works with Alexa.
     
  46. a.tramp

    a.tramp Insubordinate and churlish
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    I can not recommend Vivint enough. Takes some money up front (or financing is available) but has an awesome suite of connected devices. Door can be locked/unlocked via phone, voice with Amazon device, keypad, key, and even specific door triggers programmed (we have one set for 9pm just in case we forget before bed).

    F6334952-11C7-411A-ADE9-B7043E44DB4C.jpeg
     
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  47. Jorts

    Jorts "Ask about my Mortgage Services"
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    Prefer goo
    I have the interior with Google Nest stuff (2 thermostats & 2 smoke/carbon monoxide detectors, Mesh)

    The house came with an existing Ring Doorbell, along with a secondary spotlight camera & 3 synced floodlights.

    I need simplicity for the wife, so having minimal apps is necessary.
     
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  48. a.tramp

    a.tramp Insubordinate and churlish
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    Have you considered installing a human-sized doggy door?
     
  49. Jorts

    Jorts "Ask about my Mortgage Services"
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    She's supper annoying with any technology & yet also cannot remember to lock the fucking door when she comes back inside.

    I guess I could just double down on our content insurance, for the eventual claims.

    I need the ability to lock everything remotely, for peace of mind & to save me nightly checks to ensure everything is secure.
     
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  50. CF3234

    CF3234 Fan of: Bandwagons
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    Schlage can do that. I’m sure the others can as well. Can even set it to auto lock 5 min after anyone unlocks the door.
     
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