Re: Off Topic Bullsh*t Thread Volume XX

[socalrappy700]

To rail or not to rail...that is the question.

[Krandall]

.... yea yea yea.. sory, this is my first time.

Is a realtor needed or more just handy to have?

If its a good realtor they are great to have.  They can really watch out for you throughout the deal.  But make sure they know contracts and what you should and shouldn't pay for.  They will also help determine your offer a house and help with searching for properties if you are still looking.

do they do anything w/ paper work as far as helping w/ loan info or more so finding/bargaining for a house?

[socalrappy700]

.... yea yea yea.. sory, this is my first time.

Is a realtor needed or more just handy to have?

If its a good realtor they are great to have.  They can really watch out for you throughout the deal.  But make sure they know contracts and what you should and shouldn't pay for.  They will also help determine your offer a house and help with searching for properties if you are still looking.

do they do anything w/ paper work as far as helping w/ loan info or more so finding/bargaining for a house?

Just with the house deal, but they are priceless if they know contracts.

Find a good loan officer that you trust to help with the loan docs.

[LittleBuddha]

To rail or not to rail...that is the question.

Tough decision for sure.  I'm just trying to keep the family together.   :grin_nod:

[socalrappy700]

To rail or not to rail...that is the question.

Tough decision for sure.  I'm just trying to keep the family together.   :grin_nod:

But with a rail comes a bigger toy hauler and more gear.  Keep it simple for now. Then when the place is yours in 3 years....BAM!

[Flynbyu]

from my reading, sounds like FHA is the way to go for me. Now I just need to find a lender around that I can talk to.

ugh. I don't like talking to people... I hate being uncomfortable.

Contact a bank and ask them if they have FHA financing. A majority of banks will. Using a mortgage broker will be a little more expensive, as their fees are higher. Banks capitalize on volume, where brokers capitalize on gross profit. You're more than likely to get a better deal on origination at a bank.

Realtors are leeches.

They basically open a door or two for you, and get 6% of the purchase price of a home from the seller. They will handle the sales portion of it, not the financing. Your realtor will be a broker or have a realtor that is a broker to write your offer and to make sure it's legal and binding. When you sign an offer, it is a binding contract to purchase. If the terms are not to your satisfaction, walk away. More than likely, it will go back and fourth a couple of times until a compromise is reached. Many times realtors will ask for earnest money to make an offer. Keep in mind any earnest money you put down the seller can keep if your offer is accepted and you back out. You will get it back if the offer is not accepted or finance terms are not achieved in your favor. It will be applied to your closing costs if it is accepted in most cases.

Most sellers will want a pre-approval letter before you place an offer, so I would find an FHA approved bank and get pre-approved.

Once you are pre-approved, find a house. You're halfway home!

Biggest thing is taking your time and don't let emotions control your decision making. Realtors are salespeople. They will use that to get you to increase your offer if they know you like the home. Just take your time and do a little research, and take your time. Don't settle for anything less. A home purchase is the largest purchase you will ever make!

You'll know it's the right house when Lydia's eyes light up. The rest is history.

~Brian

[LittleBuddha]

To rail or not to rail...that is the question.

Tough decision for sure.  I'm just trying to keep the family together.   :grin_nod:

But with a rail comes a bigger toy hauler and more gear.  Keep it simple for now. Then when the place is yours in 3 years....BAM!

Oh yeah, I'm not doing shit until Sheilah's out of nursing school.  Then it's on. 

[LittleBuddha]

Oh, and make sure you give "dflip" a good helping of shit too.  He's my neighbor.  Good guy.   

[socalrappy700]

To rail or not to rail...that is the question.

Tough decision for sure.  I'm just trying to keep the family together.   :grin_nod:

But with a rail comes a bigger toy hauler and more gear.  Keep it simple for now. Then when the place is yours in 3 years....BAM!

Oh yeah, I'm not doing shit until Sheilah's out of nursing school.  Then it's on. 

So when is she due again?  

[LittleBuddha]

To rail or not to rail...that is the question.

Tough decision for sure.  I'm just trying to keep the family together.   :grin_nod:

But with a rail comes a bigger toy hauler and more gear.  Keep it simple for now. Then when the place is yours in 3 years....BAM!

Oh yeah, I'm not doing shit until Sheilah's out of nursing school.  Then it's on. 

So when is she due again?  

July 14th.  And we had an ultra sound yesterday and even though she's only 15 weeks and it's still too early for the gender one it looks like it may be a boy.  Man, I'm fucked...

[socalrappy700]

To rail or not to rail...that is the question.

Tough decision for sure.  I'm just trying to keep the family together.   :grin_nod:

But with a rail comes a bigger toy hauler and more gear.  Keep it simple for now. Then when the place is yours in 3 years....BAM!

Oh yeah, I'm not doing shit until Sheilah's out of nursing school.  Then it's on. 

So when is she due again?  

July 14th.  And we had an ultra sound yesterday and even though she's only 15 weeks and it's still too early for the gender one it looks like it may be a boy.  Man, I'm f cked...

A boy would be nice this time around.  She had fun with Owen in Chicago.  Speaking of that, looks like it may be hard for you two to get out here this summer.  Nice planning bro.

[LittleBuddha]

To rail or not to rail...that is the question.

Tough decision for sure.  I'm just trying to keep the family together.   :grin_nod:

But with a rail comes a bigger toy hauler and more gear.  Keep it simple for now. Then when the place is yours in 3 years....BAM!

Oh yeah, I'm not doing shit until Sheilah's out of nursing school.  Then it's on. 

So when is she due again?  

July 14th.  And we had an ultra sound yesterday and even though she's only 15 weeks and it's still too early for the gender one it looks like it may be a boy.  Man, I'm f cked...

A boy would be nice this time around.  She had fun with Owen in Chicago.  Speaking of that, looks like it may be hard for you two to get out here this summer.  Nice planning bro.

Oh, she's great with boys.  All the boys in the neighborhood just love the hell out of her.  The Mooch wants a brother too so it's all good.  Either way we're happy.

I know.  I really fucked that one up, didn't I? 

[Colorado700R]

here you go brian 

http://denver.craigslist.org/rvs/998733455.html

[socalrappy700]

here you go brian 

http://denver.craigslist.org/rvs/998733455.html

Too old for Brian, he likes planes younger then he is.  And that one looks torn up.

[socalrappy700]

To rail or not to rail...that is the question.

Tough decision for sure.  I'm just trying to keep the family together.   :grin_nod:

But with a rail comes a bigger toy hauler and more gear.  Keep it simple for now. Then when the place is yours in 3 years....BAM!

Oh yeah, I'm not doing shit until Sheilah's out of nursing school.  Then it's on. 

So when is she due again?  

July 14th.  And we had an ultra sound yesterday and even though she's only 15 weeks and it's still too early for the gender one it looks like it may be a boy.  Man, I'm f cked...

A boy would be nice this time around.  She had fun with Owen in Chicago.  Speaking of that, looks like it may be hard for you two to get out here this summer.  Nice planning bro.

Oh, she's great with boys.  All the boys in the neighborhood just love the hell out of her.  The Mooch wants a brother too so it's all good.  Either way we're happy.

I know.  I really f cked that one up, didn't I? 

Way to go on that one.  Looks like a fall trip if anything.  But at least we have more then enough room now.  Maybe we can head your way this fall if you can't make it this way.