We decided to buy a house

[Flames9_RN 358]

I think their are more fees in the USA than Canada, but I didnt have any problems buying our place. Every where you read says buying a short sale/foreclosure can be a real pain in the butt, should it be that way, no, but one pretty much has to expect it. Not trying to be rude,lol but I'm sure it would be pretty similar if you bought a house that was in distress in Canada. Don't know, personally I stay away from those kind of situations, but thats me, and everyone is different. I'm glad the end is near, you will need a few bottles of champagne and cases of beer to celebrate, its always an exciting time. Congrats

[Kimbear 53]

I think their are more fees in the USA than Canada, but I didnt have any problems buying our place. Every where you read says buying a short sale/foreclosure can be a real pain in the butt, should it be that way, no, but one pretty much has to expect it. Not trying to be rude,lol but I'm sure it would be pretty similar if you bought a house that was in distress in Canada. Don't know, personally I stay away from those kind of situations, but thats me, and everyone is different. I'm glad the end is near, you will need a few bottles of champagne and cases of beer to celebrate, its always an exciting time. Congrats

pain in that it takes a while yes i get that. i'm just annoyed at all these extra costs..two types of title insurance, lender fees, closing fees, origination fees, document fees..i mean jeez.. As for the alcholol lol it will definately be needed at the end!!!

right now i'm shocked at home insurance prices.

i can't seem to get quote lower than 750/year add on car insurance and its over 1300$..UGH. did insurance prices skyrocket recently or something? crikey..i mean my freaking house payment is ony 340/month lol but the taxes insurance etc..just..wow.

Glad i never went for the max mortgage we coudl get..with these extra costs..no way in hell we'd afford a house at the higher tier!

Edited July 5, 2011 by Kimbear

[Flames9_RN 358]

pain in that it takes a while yes i get that. i'm just annoyed at all these extra costs..two types of title insurance, lender fees, closing fees, origination fees, document fees..i mean jeez.. As for the alcholol lol it will definately be needed at the end!!!

right now i'm shocked at home insurance prices.

i can't seem to get quote lower than 750/year add on car insurance and its over 1300$..UGH. did insurance prices skyrocket recently or something? crikey..i mean my freaking house payment is ony 340/month lol but the taxes insurance etc..just..wow.

Glad i never went for the max mortgage we coudl get..with these extra costs..no way in hell we'd afford a house at the higher tier!

Yep, sure makes it hard to compare apples to apples when comparing the different mortgages, thats why those good faith estimates are soo important, and dealing with a reputable lender. As 1 hates surprises at Closing. Shopping around for insurance is another hassle, but can be very worthwhile. Just dont think that you have been with a company for many yrs, ur getting the best deal. Who am I to talk,lol We have had USAA for like 5 or 6 yrs now and I have never checked to see if I could do better. I'm very happy with their service, but thats just me,lol

[Kimbear 53]

Yep, sure makes it hard to compare apples to apples when comparing the different mortgages, thats why those good faith estimates are soo important, and dealing with a reputable lender. As 1 hates surprises at Closing. Shopping around for insurance is another hassle, but can be very worthwhile. Just dont think that you have been with a company for many yrs, ur getting the best deal. Who am I to talk,lol We have had USAA for like 5 or 6 yrs now and I have never checked to see if I could do better. I'm very happy with their service, but thats just me,lol

IS that for military familes only or can anyone join? service is a big thing for me..after a few accidents in canada we always had trouble getting ahold of people or them returning calls..we ended up with a broker who was just the best..she was always there for us 24/7 and we never had to deal with anything our selves.

[Flames9_RN 358]

IS that for military familes only or can anyone join? service is a big thing for me..after a few accidents in canada we always had trouble getting ahold of people or them returning calls..we ended up with a broker who was just the best..she was always there for us 24/7 and we never had to deal with anything our selves.

You or ur spouse do not have to be in the military. Im not exactly sure how it worked,but we were able to sign up as my wifes parents are USAA members, and they were able to sign up as my father n law--father was a USAA member. So we piggybacked off of them,lol My wifes parents only signed up as we found them to have the cheapest rates---and when they investigated, was cheaper for them! So they signed up, then us. Did that make sense? lol

[Moosker 7]

I second that - you can piggy back if you know someone who is with USAA!

[Flames9_RN 358]

I second that - you can piggy back if you know someone who is with USAA!

Not sure, might have to be an immediate relative. back in 2005 when we started with USAA, it had to be, but things could have changed. I recall USAA opening up some parts of their business to everyone. Just not sure what. Best to call them and find out.!! Lot of our family (thanks to us,lol) switched over to USAA and love them! Only claim we had to make was for my wifes stolen/lost wedding engagement ring! Of course they didnt want to pay it out right away,lol (they are still there to make $$$$) but they were always very professional and in the end, we actually got more!!! (just 1 can never get the sentimental value back!)

[Krikit 1,164]

Oh, sorry, Kimbear. I thought you were asking about home warranty costs. We have this house bundled with our car insurance at GEICO. $700/yr is a really good price.

[Colleens 40]

We have our insurance through Safeco. We had an upgraded Sam's club membership and it was one of the offers there. Granted we only have renters insurance right now, but it is pretty affordable. We have had 1 accident claim (which I think we are ending up being sued over ) and they are taking care of it and keeping us informed. They have been available to answer any questions we may have. We also had a comprehensive claim for both our vehicles when we had a crazy hail storm in April...again very good service. We were with Geico for both and we are now saving $1200 per year on our vehicles and renters insurance since we switched.

[Kimbear 53]

Oh, sorry, Kimbear. I thought you were asking about home warranty costs. We have this house bundled with our car insurance at GEICO. $700/yr is a really good price.

no apologies needed i was technically asking for both

i asked my realtor about home warranty and she sent me a recommendating but its for a company that is being sued for giving realtors kickbacks and uppping the policy cost on ppl due to that..so i found another company that has about the same rates good deductible and has decent reviews.

nwo if only i can get an insurance quote for less than 1300 for a bundle..lol they want over 700 for the house and over 300 for the car..BLECH!

[Marilyn. 340]

that doesn't seem bad.....do you have to pay it in one chunk or can you make monthly payments? because when you divide it up over the year it is only an extra 83 bucks a month.....

we pay about 750 dollars a year for car insurance on one car...

Edited July 6, 2011 by Marilyn.

[Kimbear 53]

that doesn't seem bad.....do you have to pay it in one chunk or can you make monthly payments? because when you divide it up over the year it is only an extra 83 bucks a month.....

we pay about 750 dollars a year for car insurance on one car...

In illinois, the whole policy has to be paid up front in advance at time of closing..grumble. unlike canada where i just gave them a copy of the policy showingt i had it and paid it monthly, or working it into the escrow etc.

but wowsers i <3 PROGRESSIVE!!!

i compared diff quotes and values etc..and the same 1300$ quote including sewage backup hail and 160k value for house came to: 475$ !!!!!!!!!!!!!!!! and our car? even cheaper than Geico..181$..total of 655/month..for both..OHHHH EMMMMM GEEEEEE. And i found our home warranty as well. if we pay a higher deductable 100$ vs 75$, the policy is 380/yr instead of 450/yr. I think i can live with that.

Just spoke to my husband, and i sounded like the Geico car commercial. : honey i just saved us alot of money by switching to progressive and bundling our home and auto ROFL.

ohh and why do they all wnat to charge extra if you make monthly payments ..i mean even if its EFT they want an extra 60 year..bah!

Edited July 6, 2011 by Kimbear

[Moosker 7]

Good ole' insurance....

[Krikit 1,164]

Yeah, I never could figure out why they charge extra for the monthly EFT's. That's just a BS fee to increase revenue. Glad to hear you finally got a great deal! You should write to somebody and get in a commercial. lol

[Marilyn. 340]

I think they charge extra for monthly because it is kind of like they are loaning you the money to cover your insurance... ....

we switched to progressive last year and we are so glad we did...

Edited July 6, 2011 by Marilyn.