Star Rant, The Empire Strikes Wack

[SAT 9,609]

Is he charging you points? Look for a 0 point mortgage.

[NikLR 13,231]

Is he charging you points? Look for a 0 point mortgage.

I don't think so.

Why is this more complicated than in Canada?

I notice the property taxes are significantly less down here however.

[NikLR 13,231]

Wells Fargo horrible?

What kinda rates are you expecting?

And, are you guys what is known as a "prime borrower"?

Do a search with bankrate.com

So why in CO springs can you get 3.625 and up here you can't?

And yes, he is.

[SAT 9,609]

Why is this more complicated than in Canada?

Because we are the epitome of the market economy . (Rip off)

So why in CO springs can you get 3.625 and up here you can't?

And yes, he is.

That's where I said earlier, add 1.25 to 1.5 to the money factor. In your region, they added 1.5, in CO springs, they added 1.25. It has a lot to do with supply and demand, forecast of return, avg credit score for the region, price of homes, etc....

[SAT 9,609]

And as you can see in the forecast, the lending rates are likely gonna go down another .15% between now and October. Historically tho.....October has always been the high point of the year.

[NikLR 13,231]

Because we are the epitome of the market economy . (Rip off)

That's where I said earlier, add 1.25 to 1.5 to the money factor. In your region, they added 1.5, in CO springs, they added 1.25. It has a lot to do with supply and demand, forecast of return, avg credit score for the region, price of homes, etc....

Homes are more expensive here and it's a sellers market with the houses under 225k going like hotcakes. I dunno if we're going to get the house we're looking at tomorrow, it's likely too expensive, but we can look and see. I love the big yard mostly. It already has veggie gardens!

And as you can see in the forecast, the lending rates are likely gonna go down another .15% between now and October. Historically tho.....October has always been the high point of the year.

Well who knows how long it takes to find a house. We did find out it takes about a month to close on a house. But you have to give our place 60 days notice. bastards.

anyhow.. save the rest for a PM tho. Since i'm sure this is really uninteresting to others.

Edited June 4, 2014 by NLR

[SAT 9,609]

I hope you get yourself a nice home to call your own soon. Also keep in mind that if you have less than 20% down! they may mandate that you buy PMI. Private mortgage insurance....but that's not expensive for a 200k loan! maybe 80-100 bucks....

Edited June 4, 2014 by SAT

[SAT 9,609]

In NYC it takes 2-3 months to close.

[SAT 9,609]

See Nik? You bored everybody outta here!

[NikLR 13,231]

[N-o-l-a 7,168]

Closing with a mortgage usually takes at least 60 days.

[SAT 9,609]

Because the bank wants all kindsa Sh...... Stuff......

[NikLR 13,231]

Apparently here, it's 30-45 days.

I can't get a tattoo now. We has no money. /sigh

I can't visit with hubs while he's in OKC until after booger is here. /sigh

That depends on if we find a house too. /sigh

But on the positive side my FIL has said he wants to visit. But after the booger is gone. So.... that'll be interesting. First member of my husband's family I'll have met IN PERSON.

[SAT 9,609]

I'm pretty good at tattooing.....you want me ta give you a tattoo?

And, you've never met your in laws??

[NikLR 13,231]

I'm pretty good at tattooing.....you want me ta give you a tattoo?

And, you've never met your in laws??

No thank you. LOL

And No I haven't.

His dad is still in Alabama and his mom (she has RA) was living in Arkansas but is now in CA with his brother (in the Navy), his brother's wife (who doesn't work), and their 3 kids.