Re: Off Topic Bullsh*t Thread Volume XV

[Flynbyu]

sup Kentucky

ah nothing much. just chillin in the library waiting on one of my professors to get to her office

Kentucky has libraries?  Get the F  ck outta here.  A lot has changed since I was there.  

Yeah, it seems the only state that is burning books now is Alaska.

~Brian

[LittleBuddha]

That sucks.. People w/ average credit scores can't get crap. f*ck.... well.. I'm hoping to see what I can get approved for this coming summer for a house loan. Hopefully home mortgage loans arent' f*cked up.

Home loans are still being originated, the thing in question now is the home's value.

Sub-prime lending on homes has came to a halt. For those consumers with poor credit (collections, charge offs, etc..) home loans require large sums of money down AND to have anything negative on their bureau cleared up.

~Brian

VA loans used to be great because you didn't have to put anything down.  Now they charge a 5% "funding fee".  I went with a traditional and I'm at 5.25% on a 30 year fixed.  And I bought before the shit storm hit.  I also sold my rental at the very highest point before the bottom fell out.  

[LittleBuddha]

sup Kentucky

ah nothing much. just chillin in the library waiting on one of my professors to get to her office

Kentucky has libraries?  Get the F  ck outta here.  A lot has changed since I was there.  

Yeah, it seems the only state that is burning books now is Alaska.

~Brian

Palin's voice makes me want to strangle kittens.   

[Krandall]

That sucks.. People w/ average credit scores can't get crap. f*ck.... well.. I'm hoping to see what I can get approved for this coming summer for a house loan. Hopefully home mortgage loans arent' f*cked up.

Home loans are still being originated, the thing in question now is the home's value.

Sub-prime lending on homes has came to a halt. For those consumers with poor credit (collections, charge offs, etc..) home loans require large sums of money down AND to have anything negative on their bureau cleared up.

~Brian

Glad I've got good credit. House prices here have just dropped like mad. houses I was looking @ 1-2 years ago listed @ 200-250,000 are going for 150-175,000

[Flynbyu]

Very good.

I refinanced my house in 2002 when 15 year fixed hit 4.65%. I was paying 7.50% at 30 years fixed (originated in November 2000). It bumped my payment $100 from what I was paying, and we rolled with that.

I'm in the holding pattern on building my next casa until I see what is up with the economy. I've got 3.5 acres of oak trees waiting for a home to be carved into it.

~Brian

[LittleBuddha]

Very good.

I refinanced my house in 2002 when 15 year fixed hit 4.65%. I was paying 7.50% at 30 years fixed (originated in November 2000). It bumped my payment $100 from what I was paying, and we rolled with that.

I'm in the holding pattern on building my next casa until I see what is up with the economy. I've got 3.5 acres of oak trees waiting for a home to be carved into it.

~Brian

Home builders out here are pretty much selling houses at cost, or less.  Crazy.  I'm staying right where I'm at.  I've got plenty of room, a pool, a crawl space for bad kids, an RV pad for the toy hauler, and I'm 5 miles from work.   

[Krandall]

Can't complain with that then. I need my own space. It sucks not being able to have my own garage to do stuff in after work. 

[LittleBuddha]

Can't complain with that then. I need my own space. It sucks not being able to have my own garage to do stuff in after work. 

Having a garage is tits.  Especially in AZ when it's a hundred million degrees outside. 

[Flynbyu]

Very good.

I refinanced my house in 2002 when 15 year fixed hit 4.65%. I was paying 7.50% at 30 years fixed (originated in November 2000). It bumped my payment $100 from what I was paying, and we rolled with that.

I'm in the holding pattern on building my next casa until I see what is up with the economy. I've got 3.5 acres of oak trees waiting for a home to be carved into it.

~Brian

Home builders out here are pretty much selling houses at cost, or less.  Crazy.  I'm staying right where I'm at.  I've got plenty of room, a pool, a crawl space for bad kids, an RV pad for the toy hauler, and I'm 5 miles from work.   

I would be a little closer to work after I build. I would shave 15 minutes off of my commute time and keep Arkansas from f*cking me on my taxes.

~Brian

[Krandall]

Can't complain with that then. I need my own space. It sucks not being able to have my own garage to do stuff in after work. 

Having a garage is tits.  Especially in AZ when it's a hundred million degrees outside. 

I believe it.. I have a garage @ my parents place. have it set up almost like I want.. but it's an hour away. f*ckin sucks

[Flynbyu]

My next house will have a three car garage and pool house. No more coming in and out of the house with wet clothes on.

~Brian

[Flynbyu]

~Brian

[LittleBuddha]

~Brian

Tha's awesome.  And true. 

[Flynbyu]

She's such a cute kid.

~Brian

[socalrappy700]

FERK