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depends on wiretapping laws doesn't it? You're not a party to the conversation so you can't rely on one-party consent to enable recording/eavesdropping. It would probably depend on how that particular law is worded, if they shouldn't have an expectation of privacy or something.
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Jun 25, 2021 06:34
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It's illegal to use those recordings in court Depending on the state it might be illegal to make private recordings on your own private property, but they would need to know about it too become a problem I mean, remember when James Comey released his "notes" about his conversation with Donald Trump? That's because "notes" are way less politically explosive than "I secretly recorded the president of the united States, without his permission, then wrote down word for word what was on my recording". IANAL but, good luck sir. Don't take my advice, and don't record the president.
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Jun 25, 2021 06:41
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We’ll our agent has put up signs all over the house pointing out features and there’s one right above the ring doorbell pointing it out. I’m only watching it because we’ve left the house completely unattended and I want to keep an eye on it so nothing walks out the door.
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Jun 25, 2021 06:42
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Hadlock posted:It's illegal to use those recordings in court If my boss asked me to do something illegal, you bet your rear end I'd remember what he said and write it down at the first opportunity. It wouldn't need to involve actually recording him.
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Jun 25, 2021 08:53
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Got the final closing disclosure paperwork from the lender and it has PMI despite us putting 20% down, guess I'm calling the loan officer when the office opens up...
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Jun 25, 2021 12:47
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Glumwheels posted:We’ll our agent has put up signs all over the house pointing out features and there’s one right above the ring doorbell pointing it out. I’m only watching it because we’ve left the house completely unattended and I want to keep an eye on it so nothing walks out the door. Every house that I've looked at with my realtor, when it comes time to "discuss what we think" or whatever, she's always made me move down to the sidewalk and a bit down the street away from the house so the sellers don't hear us. If you're talking on someone's porch, even if there isn't a recording device, someone could just hear you by standing near the window with the curtains closed. So yeah, that's not your problem- it's their agent that is the stupid one for not physically taking the conversation away from the house.
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Jun 25, 2021 14:41
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Tyro posted:Got the final closing disclosure paperwork from the lender and it has PMI despite us putting 20% down, guess I'm calling the loan officer when the office opens up... Some loan types require PMI regardless of down payment just because of the interest rates involved in exchange for having PMI on the loan.
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Jun 25, 2021 15:21
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biracial bear for uncut posted:Some loan types require PMI regardless of down payment just because of the interest rates involved in exchange for having PMI on the loan. It turns out they didn't listen when after it appraised low, I told them i wanted to increase the down payment to keep the LTV ratio above 20%, so it had dropped to like 18.5% or something. They're redoing the paperwork.
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Jun 25, 2021 15:24
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Glumwheels posted:We’ll our agent has put up signs all over the house pointing out features and there’s one right above the ring doorbell pointing it out. I’m only watching it because we’ve left the house completely unattended and I want to keep an eye on it so nothing walks out the door. If you literally have a sign pointing to it, I wouldn't feel too bad but I also don't think anything good will happen from listening too closely. We're pretty sure the seller of one house was listening to us on their cameras as my wife ripped the place to shreds (the house was basically a knockdown). The price that hadn't moved in months suddenly dropped by $30k the day after we toured it.
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Jun 25, 2021 15:31
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A sign pointing it out is basically all you need to erase reasonable expectation of privacy. It's in plain site and signed? Eavesdrop away. Ethical? Not really, but I would do it. Illegal? No, even in 2 party states.
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Jun 25, 2021 16:24
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Tyro posted:It turns out they didn't listen .... They're redoing the paperwork. The only other valid thread title contender GEMorris fucked around with this message at 17:30 on Jun 25, 2021 |
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Jun 25, 2021 16:48
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If you play dumb every day, do you become deeply stupid?
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Jun 25, 2021 17:21
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You tell me, 06'er
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Jun 25, 2021 17:31
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Hello friends.  2.875 30 year fixed versus 2.25 10/6 arm. How do we feel about that spread?
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Jun 25, 2021 19:22
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Residency Evil posted:Hello friends. To me, paying a 7% premium for the certainty of the back 20 years of the mortgage being the same historically low rate is worth it.
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Jun 25, 2021 19:59
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Personally: 2.875 is so hilariously good, historically, that I wouldn't even consider an ARM anyway. Given that your ARM 10yr is 2.25%, it's pretty bad gamble IMO that the rates won't be substantially higher in 10 years than 2.875%. I could be wrong (it's a gamble on financial markets 10 yrs from now; it's all guessing), but there's only so much lower they can go to make that adjustable part worth it. (Plus what he said, though - what's the max rate on the ARM? ^^^)
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Jun 25, 2021 20:01
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Vox Nihili posted:In the Bay Area I'm hearing $200k-$250k over ask is common now that was always the case and is not a new thing.
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Jun 25, 2021 20:02
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I was gonna say, it's down that much??
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Jun 25, 2021 20:03
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Residency Evil posted:Hello friends. I'd stick with the fixed interest rate because allowing for any increase over the life of a mortgage is going to gently caress you every time. You can always refinance later if there is a significant interest drop.
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Jun 25, 2021 21:06
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Take the fixed since if either rates go up (lol) or house prices drop (lol) then you will get 2008’d hard.
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Jun 25, 2021 21:27
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We just got the appraisal back this morning. We are under contract for $621K and it came back at....$620K. We have appraisal gap and all that but my REA was pissed. She said just give me a bit of time. About an hour later I received an updated appraisal for $621K. Everything about this is dumb as hell.
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Jun 25, 2021 21:28
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Lol that is incredibly dumb but it could have been much worse. You were in Seattle/ish right?
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Jun 25, 2021 22:22
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Denver which is just as dumb for housing but a lot cheaper.
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Jun 25, 2021 22:27
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Virginia seems so cheap, by comparison. At least outside of NOVA.
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Jun 25, 2021 23:11
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spwrozek posted:We just got the appraisal back this morning. We are under contract for $621K and it came back at....$620K. We have appraisal gap and all that but my REA was pissed. She said just give me a bit of time. About an hour later I received an updated appraisal for $621K. Everything about this is dumb as hell. Imagine being such a piece of poo poo that you have to lord your snivelly little power over $1000 on a $600,000 transaction.
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Jun 26, 2021 02:38
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I bet the appraiser just thought that was the sale price and forgot there was an extra 1k tacked on
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Jun 26, 2021 05:06
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Residency Evil posted:Hello friends.
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Jun 26, 2021 06:48
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Thanks guys. Max rate on the ARM is 5%, but sounds like everyone agrees fixed is the way to go.
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Jun 26, 2021 12:18
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I guess the open house is quite popular even with the heat, sounds like it’s going ok and it’s only serious shoppers out this weekend. Not a lot of inspection report requests yet. Good news is our neighbor’s showing isn’t going as well, the listing agent didn’t put up signs or flyers anywhere. The marketing in the house is lazy and terrible. The listing agent has another agent showing it and she’s apparently directing everyone to see our house. The agent showing the neighbor’s house brought nuts and cheese to our agents before the open house and seems to like them haha.
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Jun 27, 2021 00:50
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One of the houses I was interested in wants a 30-day rent-back, and another wants up to 90 My interest fell apart completely, like right away. I know it's become more common because people are stupid, especially in real estate, especially right now, but 90 days rent back? Seriously? Get a loving apartment you mongoloids
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Jun 27, 2021 07:39
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Pretty much every old person I know in the Phoenix area is actively working toward leaving because the summers continue to get longer and worse literally every year. Global warming is going to loving devastate areas like that, buying in Phoenix right now may actually be worse than buying a Florida beach house
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Jun 27, 2021 08:09
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After that King of the Hill episode where they go to Phoenix, pretty much crossed the whole state off my list
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Jun 27, 2021 08:43
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Yeah, but to understand that I'd have to actually watch King of the hill. 
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Jun 27, 2021 13:17
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spwrozek posted:We just got the appraisal back this morning. We are under contract for $621K and it came back at....$620K. We have appraisal gap and all that but my REA was pissed. She said just give me a bit of time. About an hour later I received an updated appraisal for $621K. Everything about this is dumb as hell. I work in the mortgage industry (*dodges incoming trash*) and during the onboarding training, they were super keen to pin pretty much all of the previous crash on no good rotten appraisers, including cartoony scenarios of exactly what you just described so this is pretty hilarious to me.
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Jun 27, 2021 15:02
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QuarkJets posted:One of the houses I was interested in wants a 30-day rent-back, and another wants up to 90 Are you in an area where that rent-back is also expected to be free? We had a similar precipitous loss of interest (and honestly just genuine anger) in a place we loved when the sellers indicated they needed at least six weeks free rent back after we en used to the idea of offering one month by default. The house we ultimately got ended up wanting two weeks. Lead Pipe Cinch fucked around with this message at 15:44 on Jun 27, 2021 |
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Jun 27, 2021 15:34
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QuarkJets posted:Pretty much every old person I know in the Phoenix area is actively working toward leaving because the summers continue to get longer and worse literally every year. Global warming is going to loving devastate areas like that, buying in Phoenix right now may actually be worse than buying a Florida beach house I continued to be baffled by just about everything going on in the housing market right now, but the sunbelt and Florida being like the hot places to move right now takes the cake.
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Jun 27, 2021 16:10
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QuarkJets posted:One of the houses I was interested in wants a 30-day rent-back, and another wants up to 90 This is more or less happening with my boomer in laws. The rent backs are because their new house construction is getting delayed due to material shortages so they are saying “well the least they can do is let me live here until my new house is built!”
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Jun 27, 2021 19:09
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In true fashion of the thread title… We’re 2 weeks into escrow. Lender never scheduled an appraisal and said last week they didn’t need one. On Friday they did a 180 and now they *do* need an appraisal. We’re due to remove the appraisal contingency on Tuesday. I’m not optimistic about getting an appraisal done before Tuesday, given that the selling agent hasn’t even been contacted by the appraisal company yet. Meanwhile, the seller has gotten cold feet and thinks that maybe they don’t want to sell their house after all. So, we can hold off on removing the appraisal contingency and give the sellers their out. Or we can roll the dice and remove the contingency before the appraisal is done, and potentially lose our EMD if it comes back too low. WTF E: just for context, the home we’re on contract for is the seller’s vacation home, not primary residence. Husband is a fancy pants surgeon and wants to go retire on a golf course somewhere, but the mrs isn’t so keen on the idea after all now that paperwork is happening hattersmad fucked around with this message at 20:25 on Jun 27, 2021 |
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Jun 27, 2021 20:12
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Crazyweasel posted:This is more or less happening with my boomer in laws. That oozes with the entitlement my boomer mother exhibits on a disquietingly regular basis. It's really awful.
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Jun 27, 2021 22:35
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QuarkJets posted:One of the houses I was interested in wants a 30-day rent-back, and another wants up to 90 When we started looking, rent-backs were a hard pass for me for the usual reasons. For the latest offer we just put in it was, "well at least they're asking for ten days instead of thirty, go ahead and write it up." One guy on reddit used the phrase "simping for shelter," which I appreciated.
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Jun 28, 2021 01:32
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