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DaveSauce posted:OK so I hosed up. We put an offer on a nice looking house, and they accepted it. poo poo. Don't pay them a dime. Quicken Loans tried to get $500 from me for a "Good Faith Deposit" for a Loan Estimate and I refused. My reply was, "If I didn't pay anything to get a Loan Estimate from XYZ company, why should I pay you?" The Lender ended up giving me a Loan Estimate for free, and it was not a very good rate so I went with someone else. Also, I have never dealt with a Lender but only once over the phone and that was just so I could verify that they were a real person. Everything can be done online, so when they try to call you before you have decided on who to choose, they are basically wasting your time. Loan Estimates are pretty binding so try to get multiple Loan Estimates from different lenders. You will need to get pre-approved by each. Don't worry about your credit score, it doesn't affect it as bad as some say, especially if you do it in a short time period. Use the best Loan Estimate to pit the lenders against each other and go with the best rate! kys fucked around with this message at 16:52 on Mar 4, 2016 |
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Mar 4, 2016 15:50
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Droo posted:That stat seems like it would be useless as you get near 1970 and earlier (and very hard to interpret from 1970 to now) because of the shift in the way men/women relate as far as controlling households and having financial assets over time. Not to put too fine a point on this  , but women basically weren't even allowed to have credit in their own name until 1974, so home ownership was virtually impossible:The Guardian posted:1974: Equal Credit Opportunity Act passes in the US. Until then, banks required single, widowed or divorced women to bring a man along to cosign any credit application, regardless of their income. They would also discount the value of those wages when considering how much credit to grant, by as much as 50%. Another gem from the same page: The Guardian posted:Ireland, 1976: Irish women are finally able to own their own homes outright. e: HEY NONG MAN posted:When I lived in Ballard in Seattle in 2005, I paid $845/mo for a 2br/1.75ba apartment two blocks off Market Street. You should have bought this house in Ballard instead  
Catatron Prime fucked around with this message at 16:07 on Mar 4, 2016 |
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Mar 4, 2016 15:55
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Go to zillow mortgages or mortgage professor to compare costs. Do you have an inspection and financing contingency written into your offer?
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Mar 4, 2016 15:59
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Nail Rat posted:Congrats! The nice thing is that when you do an inspection, if you decide you want out, you can make an absolutely ridiculous request and if they don't honor it, you're pretty much able to walk away with just losing the money from the inspection. You'd get your earnest money back. You have a lot more leverage during the inspection contingency than your realtor will tell you (because they just want the deal to go through), so use it. I wish I had when I'd bought my place, because the fuckers who bought it from me sure did. You may not even need to make a request - the typical inspection contingency in MA just requires you to say the inspection was unsatisfactory before the contingency is up, and that's that. No requests or reasons required.
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Mar 4, 2016 16:17
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antiga posted:Go to zillow mortgages or mortgage professor to compare costs. Do you have an inspection and financing contingency written into your offer? We just applied for a mortgage last month, and this is the exact route we took. We entered our info in Zillow mortgages and contacted the bank with the lowest rate. The guy called me on the phone and we confirmed info, I told him we were shopping around, and he pulled our credit and emailed us a Loan Estimate. Same process with the lowest mortgage rate bank from Mortgage Professor. We didn't bother with Lending Tree or those other places because we didn't want 500 banks hounding us. Then we applied to a local credit union and a "big bank" (Chase). We took the lowest rate/fees Loan Estimate and had Chase beat it. Then we had our preferred lender beat the Chase numbers, since this is a new build and they were offering us extra cash as Seller Credits for using the preferred lender. All of this happened in one day, because of how rates change so quickly. We started the process one morning and had a rate locked in by the next afternoon. As a courtesy, I emailed all of the other banks we applied to letting them know that we did not use them but thanks for working with us, so they wouldn't keep emailing/calling me to choose them.
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Mar 4, 2016 16:17
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In the middle of a refi and I'm gently remind how goddamn expensive houses are
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Mar 4, 2016 17:05
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Expressed over 30 years and accounting for inflation, they actual cost to finance is not that bad. Using your 3.5% rate as an example: if we assume a 2.5% to 3% inflation rate over that same 30 years then you are borrowing hundreds of thousands of dollars for like 1%.
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Mar 4, 2016 17:21
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DaveSauce posted:OK so I hosed up. We put an offer on a nice looking house, and they accepted it. poo poo. I was in this same situation last week. Shop around asap and you may be able to leverage lenders' offers against each other. I was able to lower my rate from 3.625 to 3.5 at the local credit union that pre-approved me. Credit Union sent me a Loan Estimate of 3.625. Asked a mortgage broker for a Loan Estimate at 3.5, took it back to Credit Union, then Credit Union matched the rate and gave me more credits. I wanted to use the Credit Union anyways, so I felt decent about that.
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Mar 4, 2016 18:13
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Apparently there was recently (Dec 22, 2015?) an update in underwriting standards and how student loans on IBR payments are considered in DTI ratio. According to the mortgage specialist we just met with at our credit union, they will no longer accept your IBR payment in your DTI ratio for conventional loans and instead must count 1% of your total student loan balance per month as the payment (if that amount is higher than your monthly payment under IBR - which OF COURSE IT IS - if you were paying 12% of your loan off every year, why the gently caress would you be on IBR...). I think there are a few folks in here more tuned in to the underwriting process than I am - does this sound correct? Or is this person/our credit union just misinterpreting whatever these new standards are or is this some big new change? She said it was a fairly recent standard put out by Fannie Mae. She suggested we might be able to qualify for an FHA loan, but apparently they don’t offer those at our credit union. Anyone know if FHA loans now consider student loans on IBR similarly? Up until now I wasn't even considering FHA loans and haven't really researched them since I have decent credit and was planning minimum 20% down to avoid PMI. This seems kind of insane to me because I would think it is going to effectively prevent a lot of healthcare professionals with large amounts of student loan debt who are actively participating in PSLF (like me) from being eligible for conventional loan terms. Mostly I was surprised because I actually currently already have a conventional mortgage which I got over two years ago and at that time they simply accepted my IBR payment at face value. That mortgage was for a non-owner occupied (my parents live there and “rent” from me) and I was under the impression I had to jump through more hoops for that loan than I would have had to for an owner occupied home purchase. edited: because I always transpose IRB and IBR (I'm talking about income based repayments here, not the trying to get human subjects research approved...) Krafty fucked around with this message at 15:58 on Mar 5, 2016 |
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Mar 4, 2016 21:03
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It's semi recent, the change was announced 12/2004 and went into effect for all loans with applications on or after 04/01/2015. From the current version of the Fannie selling guide:https://www.fanniemae.com/content/guide/selling/b3/6/05.html#Student.20Loans posted:Student Loans So yeah, unfortunately you now have to use the higher of your student loan payment or 1% of the balance to qualify so people with tons of student debt are going to have a harder time getting qualified.
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Mar 4, 2016 23:41
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Except that Exeption seems like exactly the thing? If your recurring monthly payments are less than 1% but will "fully amortize the loan without payment adjustments" then you're fine. E.g., if you're on a ten-year payment plan (120 payments) then each payment is obviously less than 1% of the outstanding balance, but you should be OK... right? e. Ohhhh, the nursing thing is a loan forgiveness, e.g, your total payments don't pay off the total loan. I get it. I think I understand why (because you could get fired or quit your nursing job or whatever and then you'll owe the full amount).
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Mar 5, 2016 00:45
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Yeah, if they were just on a straight fixed rate payment plan then just using the payment is fine, but since Krafty is on an income based repayment plan their payment schedule isn't fixed /fully amortized in a way that would qualify for the exception. I'm not familiar with the specifics of that forgiveness program but I imagine changes in employment status can have an adverse impact on the payment as well which would knock you out of the exception as well.
Captain Windex fucked around with this message at 01:01 on Mar 5, 2016 |
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Mar 5, 2016 00:59
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Captain Windex posted:So yeah, unfortunately you now have to use the higher of your student loan payment or 1% of the balance to qualify so people with tons of student debt are going to have a harder time getting qualified. Thanks for the response. Do you happen to know if FHA loans would follow the same treatment of student loan payments in considering DTI? Leperflesh posted:e. Ohhhh, the nursing thing is a loan forgiveness, e.g, your total payments don't pay off the total loan. I get it. Exactly. I am specifically on an income-driven repayment plan for my federal student loans (thank god the only kind of student loans I have because 1) the payments would be unsustainable otherwise (which is my own fault for choosing to go an out-of-state pharmacy school and rack up max loans), and 2) an income-driven plan will allow me to take advantage of the Public Service Loan Forgiveness plan. You have to make 120 qualifying payments while working for a government or non-profit entity to be eligible for forgiveness of the remaining balance, so there is essentially no benefit to taking a 10 year standard repayment plan if you intended to utilize PSLF - you would have paid off the whole loan after 120 payments and have nothing left to be "forgiven." Leperflesh posted:I think I understand why (because you could get fired or quit your nursing job or whatever and then you'll owe the full amount). Well no, because if lost my job I could submit updated information to the student loan servicer documenting that my income = $0 and my payments would then = $0 until I got another job. Losing my job would actual pose a bigger risk to not being able to pay a mortgage than it would to not being ale to pay my student loans (because I don't have terrible private student loans - only federal ones). But this is a risk that is inherent to any mortgage and not specific to having student loans. Under current IBR guidelines, your student loan payment will never exceed 15% of your discretionary income. Which is why it seems weird to me that they would make the argument to use 1% of the balance. If the type of loan you have is eligible for IBR, it will always be eligible for IBR - so the only way my payments would go up is if 1) I make more money (in which case I could theoretically also "afford" more mortgage based on DTI), or 2) the federal government dramatically changes what they offer in terms of income-driven repayment plans. The second one is a risk, but usually when they make changes in these programs they are not retroactively implemented - normally the payment terms that were available at the time of your master promissory note remain available to you. Captain Windex posted:I'm not familiar with the specifics of that forgiveness program but I imagine changes in employment status can have an adverse impact on the payment as well which would knock you out of the exception as well. So the forgiveness program will never dictate the terms of repayment of my loans. It's just that if I repay eligible loans (various types of federal loans) for 10 years while working for an eligible employer - then I am eligible to apply for forgiveness for the remainder of the balance of my loans. But because my federal direct loans are the type of loans that are eligible for income based repayment, they will always be eligible for income based repayment and under the guidelines applied when my MPN was signed, IBR payments will never >15% of discretionary income. To put this in perspective, when the mortgage officer calculated our DTI using the Fannie Mae guideline, she said that the maximum monthly payment I could qualify for would a mortgage with a $225 monthly payment (which would barely cover taxes/insurance). My current rent is $1050 a month. Hope folks don't mind the derail re: student loans. But I suspect that this information might be helpful for other folks who may be in a similar situation (now or down the road) and considering a home purchase. It came as a bit of a shock to me. I imagine it would probably also impact those with similar student loan situations looking to refinance their mortgage due the current low interest rates. Krafty fucked around with this message at 15:55 on Mar 5, 2016 |
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Mar 5, 2016 15:52
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I think pslf is a red herring. For the majority of borrowers they're going for a 25 or 20 year forgiveness (ibr/paye). I think what the regulation is contemplating is that ibr/paye might cease to exist (and doesn't care about pslf), making your debt repayment obligations skyrocket.
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Mar 5, 2016 16:00
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The fees (PMI) for a FHA loan are probably going to destroy any refi savings. You can always do an alternative refi with a non Fannie lender or some other loan product. That is the beauty of the free market. Finding a broker that is interested in more then making quick money on 5 minutes of data processing will be your problem.
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Mar 5, 2016 16:15
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I am really curious how much you took out in loans, what you make at you job now, and if you think it will actually work out in the long run? The six pharmacists I know all pull down $120k+ (all with 0-3 years experience). I would be curious if 10 years of (what I assume it's very low pay, $50k/year?) pays off in the end for you. You don't have to share any of that if you don't want to. Bummer you can't get into a house, especially since you have 20% to put down.
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Mar 5, 2016 16:52
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I work in an ambulatory care clinic at a VA hospital and make an equivalent salary to what you're describing. We'll see in ~5 years how things pan out with loan forgiveness as that is when I will be eligible. If PSLF doesn't work out I'll just continue for 20 years of IBR. I left a social research job I had been at 5 years making ~28k/yr to go to pharmacy school. I never would have been in the position I was in a few years ago to help out my BWM parents when they lost their house, so I think even worse case scenario of 20-25 years of IBR it will still work out on the long run. Of course as mastershakeman pointed out: if income-driven payment plans went away entirely, I would, in fact, be mega-boned. So I guess this is probably more of what the regulations are trying to hedge against.
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Mar 5, 2016 19:34
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Krafty posted:I work in an ambulatory care clinic at a VA hospital and make an equivalent salary to what you're describing. We'll see in ~5 years how things pan out with loan forgiveness as that is when I will be eligible. If PSLF doesn't work out I'll just continue for 20 years of IBR. I left a social research job I had been at 5 years making ~28k/yr to go to pharmacy school. I never would have been in the position I was in a few years ago to help out my BWM parents when they lost their house, so I think even worse case scenario of 20-25 years of IBR it will still work out on the long run. Of course as mastershakeman pointed out: if income-driven payment plans went away entirely, I would, in fact, be mega-boned. So I guess this is probably more of what the regulations are trying to hedge against. We were planning on using PSLF, but now it's looking like when we both are employed, IBR will get us repaid before the 10 years. Largely due to being married and her doubling salary with a location change, otherwise, the loan would have continued growing.
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Mar 5, 2016 19:41
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Frown Town posted:I was in this same situation last week. Shop around asap and you may be able to leverage lenders' offers against each other. I was able to lower my rate from 3.625 to 3.5 at the local credit union that pre-approved me. Credit Union sent me a Loan Estimate of 3.625. Asked a mortgage broker for a Loan Estimate at 3.5, took it back to Credit Union, then Credit Union matched the rate and gave me more credits. We wrote off our credit union last night. They've been pretty awful in terms of responding to us. They're slow and don't really answer the questions we ask. They just want to fill the paperwork out and get things moving. Which is too bad...their rate is a tad higher, and their closing costs are much higher, BUT we'd be eligible for a bonus dividend every year based on how much interest we paid on the loan...which for last year was about $200. That adds up quick. Plus, we already bank with them, so paying them is dead simple, and being that they're a credit union they're unlikely to sell the loan. So I spoke with the 2 recommendations that my agent gave us. They're both correspondent lenders. One was pretty good to talk to, the other was being a little pushy and kept asking "what do you need to think about? What's stopping you from going with us right now?" So he's toast...his rate was higher anyhow. is there anything sketchy about a correspondent lender? I never heard of that until yesterday. The downside is that they sell the loan instantly, but other than that they seem like they're going to give us the best deal in terms of both the rate and the closing costs. Is there anything I should watch out for? The main reason this guy was recommended by our agent is because he's worked with him for a long time and has a history of working closely with our agent and closing on time with no issues. Our agent claims there's no kickbacks, but even if there were I can't see how we will get screwed by this. If we don't close, our agent doesn't get anything, so he has no reason to recommend bad lenders. Our other option is a direct lender that we've been working with for pre-qual stuff since October. This lender claims to retain 90% or more of the loans they originate. He's been really responsive and great to work with, so we hate to ditch him, but he really can't compete with the offer of the correspondent lender. I don't look forward to having our loan serviced by Big Bank Conglomerate Inc., but for the $3,000+ we're about to save on closing costs and the lower rate, I think we'll survive. DaveSauce fucked around with this message at 19:52 on Mar 5, 2016 |
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Mar 5, 2016 19:50
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Krafty posted:Well no, because if lost my job I could submit updated information to the student loan servicer documenting that my income = $0 and my payments would then = $0 until I got another job. Losing my job would actual pose a bigger risk to not being able to pay a mortgage than it would to not being ale to pay my student loans (because I don't have terrible private student loans - only federal ones). But this is a risk that is inherent to any mortgage and not specific to having student loans. I am contemplating a scenario where you can no longer work for an "eligible employer." Most student loans and I believe all federal student loans can be placed into forbearance while unemployed, that's not the issue. The issue is that the amount of your loans that is being forgiven is not guaranteed. Anecdote: an acquaintance of mine went through pharmacy school and was all set to get her first job as a pharmacist. Then she got her second DUI. She was disqualified from working as a pharmacist, still owes all that money, and is now struggling to work as a graphic designer in Texas because she couldn't afford to stay in the bay area. I'm sure she thought she'd be able to get rid of those loans with her new well-paying pharmacist job, but things don't always go as you plan... especially if you drink and drive.
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Mar 5, 2016 19:55
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Krafty posted:Thanks for the response. Do you happen to know if FHA loans would follow the same treatment of student loan payments in considering DTI? I don't have any experience with FHA loans, but a quick keyword search of the FHA handbook shows the following as the only reference to student loans that I could find: Calculation of Monthly Obligation The Mortgagee must use the actual monthly payment to be paid on a deferred liability, whenever available. If the actual monthly payment is not available for installment debt, the Mortgagee must utilize the terms of the debt or 5 percent of the outstanding balance to establish the monthly payment. For a student loan, if the actual monthly payment is zero or is not available, the Mortgagee must utilize 2 percent of the outstanding balance to establish the monthly payment. Based on that it looks like you'd probably be able to use your current actual payment to qualify assuming there aren't any FHA letters modifying this that haven't been incorporated into the handbook yet or lender overlays. It may also be worth shopping around a bit and seeing if you can find a lender with a portfolio loan program that offers less restrictive requirements regarding student loans. Your interest rate will probably be a bit higher than an equivalent conventional loan, but it may still be better than dealing with FHA rates/mortgage insurance costs.
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Mar 5, 2016 20:58
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Leperflesh posted:I am contemplating a scenario where you can no longer work for an "eligible employer." Most student loans and I believe all federal student loans can be placed into forbearance while unemployed, that's not the issue. The issue is that the amount of your loans that is being forgiven is not guaranteed. Wouldn't that rule be a state by state thing? Is she really barred from pharmacy in every state for two DUIs in California? If so... that's kind of hosed up
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Mar 5, 2016 21:10
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DaveSauce posted:We wrote off our credit union last night. They've been pretty awful in terms of responding to us. They're slow and don't really answer the questions we ask. They just want to fill the paperwork out and get things moving. Which is too bad...their rate is a tad higher, and their closing costs are much higher, BUT we'd be eligible for a bonus dividend every year based on how much interest we paid on the loan...which for last year was about $200. That adds up quick. Plus, we already bank with them, so paying them is dead simple, and being that they're a credit union they're unlikely to sell the loan. You are basically going with a mortgage broker. It is no big deal. They sell it and on you go. My loan had been sold 2 times. It is with Ocwen right now. I pay them money online and all is well. I would really not worry about that. Just go cheap and with someone who can get things done.
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Mar 5, 2016 21:25
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DaveSauce posted:We wrote off our credit union last night. They've been pretty awful in terms of responding to us. They're slow and don't really answer the questions we ask. They just want to fill the paperwork out and get things moving. Which is too bad...their rate is a tad higher, and their closing costs are much higher, BUT we'd be eligible for a bonus dividend every year based on how much interest we paid on the loan...which for last year was about $200. That adds up quick. Plus, we already bank with them, so paying them is dead simple, and being that they're a credit union they're unlikely to sell the loan. 1. Your loan will likely be sold within a week of being originated no matter who you go with. 2. Check rates on Zillow. 0.125% difference on a $200k mortgage is $5k over the length of the loan.
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Mar 5, 2016 22:51
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Unexpected Expenses: Another Anecdote! http://forums.somethingawful.com/showthread.php?threadid=3763402 The words "gently caress the previous owner" are used
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Mar 6, 2016 02:35
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QuarkJets posted:Wouldn't that rule be a state by state thing? Is she really barred from pharmacy in every state for two DUIs in California? If so... that's kind of hosed up All I know is what she told me... and she was really upset. But it's been like five years now and she's not working as a pharmacist. It does make sense, though. Not only is it maybe a bad idea to give someone who has shown repeated irresponsibility with alcohol access to controlled substances, a pharmacist is also responsible for protecting people's lives. A bad fuckup like not noticing a possible drug interaction between someone's existing and new prescriptions could kill them. Do you want a possible alcoholic who has disregarded public safety, twice, in the position of handling and filling narcotics prescriptions? Not that my acquaintance is an alcoholic, but the rule or law, whatever it is, probably errs on the safe side, and that's reasonable.
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Mar 6, 2016 09:41
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I tend to believe that people can recover from their mistakes, so while I'm supportive of taking a DUI offender's license away for awhile I'm not sure that I'd support a lifetime profession ban under any circumstances. It's too harsh
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Mar 6, 2016 17:43
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Leperflesh posted:All I know is what she told me... and she was really upset. But it's been like five years now and she's not working as a pharmacist. My uncle lost his nursing license in Oregon after the second DUI, even though it had apparently not affected his work. You can have an alcohol or drug problem without it bleeding over into your work. You don't have to be a falling down drunk to be an alcoholic.
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Mar 6, 2016 18:30
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You can also have an alcohol problem without driving impaired, which kills people. A good friend of my wife's was killed at the age of 25 by a drunk driver, who survived. I might be biased by that. But I think a single DUI should land people in jail.
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Mar 6, 2016 18:34
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Yeah I'm generally opposed to the awful criminal justice system and getting dragged into it needlessly but EVERYONE around here seems to think it's A-OK to hit up happy hour after work and get sloshed and then EVERYONE drives home and nobody seems to think this is odd but me. Maybe it's just a Colorado thing, as long as we're affluent white people drinking microbrews it's ok right? I only had 2 pints with 8% ABV and a one hitter rip I'm good! There's just this whole attitude around here that life should revolve around getting wasted and all the good times are only good if they are strongly linked to booze/weed. Getting real loving sick of seeing this on the daily, so I'm conflicted on the topic of how much DUIs should ruin lives. Anyway if I can drag up basement chat again I was wondering if anyone has a slab house here, and how they hold up vs crawlspaces/basements. Isn't it just loving impossible to do wiring/ductwork etc on a slab, or is it not that bad?
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Mar 6, 2016 18:49
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I had a slab house in Louisiana and was not stoked about it, but it was the common way they did it down there. Many items were obviously placed in conduit or piping to help with future issues, but I am aware of a few circumstances coworkers or friends had in which the slab had to be jack hammered to get to some hidden poo poo. Obviously not ideal, especially when half the new construction was highlighting stained concrete as the sole flooring used.
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Mar 6, 2016 19:10
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Leperflesh posted:You can also have an alcohol problem without driving impaired, which kills people. And in many places it does result in mandatory jail time, but do you think that a DUI should result in a mandatory lifetime sentence? Why or why not?
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Mar 6, 2016 20:51
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Pryor on Fire posted:Anyway if I can drag up basement chat again I was wondering if anyone has a slab house here, and how they hold up vs crawlspaces/basements. Isn't it just loving impossible to do wiring/ductwork etc on a slab, or is it not that bad? I have a slab house. The only thing that could potentially be a problem is serious pipe replacement work, since that's under/inside the slab. Everything else is above ground, either in the garage or the attic. We live on rocky terrain, so basements are rather expensive
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Mar 6, 2016 21:01
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Pryor on Fire posted:
Well, the upside is you don't have to worry about your basement flooding or accumulating lethal doses of radon  Also, this is just my personal paranoia, but wading through crawlspaces is the stuff of nightmares. My dumbass recently got stuck in mine while trying to run some coax for my modem, because I didn't have enough room to turn around and had wandered in head first. My girlfriend had to help drag me up and out by my ankles.
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Mar 6, 2016 21:22
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So what do I need to watch out for in an HOA covenant? I've never had to deal with an HOA, but after a quick glance, I already see that I have to pay some schmuck $275 for a goddamn mailbox if mine were destroyed/in ill repair. And that, while the HOA encourages planting flowers/trees/shrubs, we need to get permission from the architectural committee before planting anything. Anything. However, the website seems to indicate that there hasn't been a board meeting since April 2010. Aside from that, the last posting on the website is a newsletter from January 2015. They seem to be rather defunct...but I don't want to be foreclosed on if I decide to put down some grass seed without prior approval.
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Mar 6, 2016 23:14
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DaveSauce posted:So what do I need to watch out for in an HOA covenant? kind of depends on if the HOA is ran mostly by retired people or younger working people. If they're ran by retired people, expect more problems. Running the HOA tends to be their new profession. But generally running stuff by the board and getting things in writing saves headaches down the line when the board changes.
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Mar 7, 2016 00:18
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Yeah if you can go to an HOA meeting or just walk through the area and get a good sense of who lives there that is best. If you see a lot of white people 60+ do not join, they will ruin you trust me they have been getting their way their whole lives and they have perfected it to a fine craft.
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Mar 7, 2016 00:23
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Every time I get annoyed by the poorly maintained and wacky properties in my neighborhood, the trampolines, nasty chain link fences, etc, I just remember that I don't have to live under the iron fist of some cadre of old busybodies.
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Mar 7, 2016 04:53
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DaveSauce posted:So what do I need to watch out for in an HOA covenant? Just read the rules and make sure you're okay with them. Some HOAs forbid street parking. Some forbid certain plants and animals. Some are picky about house color. Read and digest the entire thing
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Mar 7, 2016 05:00
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I know a HOA that banned all smoking (cigarettes, weed, vaping) inside and out, the college kids doing bong rips on their decks are always surprised by that $500 fine.
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Mar 7, 2016 05:29
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