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6 months after we first started our search we've finally finished with this nightmare process and moved in yesterday! And promptly discovered the new roof we had just put on has the flashing installed over the shingles instead of under and needs to be fixed. It seems the stupidity never ends.
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Jul 4, 2021 16:21
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Water Resistant posted:6 months after we first started our search we've finally finished with this nightmare process and moved in yesterday! Interested in how you discovered this. Also good relevant username for that post...
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Jul 4, 2021 16:34
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Water Resistant posted:6 months after we first started our search we've finally finished with this nightmare process and moved in yesterday! Amazing. At least that should be open and shut the roofer should repair it no questions asked. They're bonded right?
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Jul 4, 2021 16:44
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PageMaster posted:Interested in how you discovered this. "Looking at the roof" should suffice just fine. The real issue here is what else was done wrong? Because something that visible doesn't happen without a completely inexperienced crew and no oversight.
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Jul 4, 2021 16:49
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You mean like my solar installer coming to test the work their team did to find that they screwed the wiring so it won’t start up. They are asking for the final payment and I just point out the contract says it is due when the installation is complete and something that does not work because their crew can’t read a wiring diagram is pretty far from complete. Already getting the “please review us on Yelp/Google/blah blah” and the idiot on the other end was stunned into silence when I asked should I review them for the poor installation, the poor communication, the damage done to my 3 month old house because their crew didn’t take 5 seconds to think that running conduit around the front of the house would look bad, the fact that the one day install has take 3 days over 2 weeks to get to the point it will be a 4 day installation and I want the whole thing taken up and redone with their lead tech on site until it is done? They did start trying to form sentences when I said maybe I should just report all that to the BBB instead. It all comes down to the same thing. A lot of obvious things where done poorly and now it doesn’t even work so what else has also been done poorly?
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Jul 4, 2021 16:58
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We saw a downstairs bathroom with this in the floor: Can anyone identify what this is? It's near-ish a toilet. Is it... a sealed-up cleanout?
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Jul 4, 2021 17:00
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PageMaster posted:But sure if they're aren't enough houses for real estate agents anymore, but the agent that sold us our house lives in the area and hand dropped off a note saying she had a family looking at our neighborhood and would love to work with us. We just closed 3 months ago, leave us alone! Yesterday everyone in our community received a tiny American flag with a note attached. I thought it was a sweet gesture from the HOA, but nope, a realtor wants to work with us. As of yesterday we've been here three months. After what we went through (and some of our improvements are still delayed), no way are we leaving now. We thought of this as a starter home that we'd leave after a year, which then stretched to two years, then five...
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Jul 4, 2021 17:01
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QuarkJets posted:We saw a downstairs bathroom with this in the floor: Could it be an old drain for a claw foot tub or something?
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Jul 4, 2021 17:06
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QuarkJets posted:We saw a downstairs bathroom with this in the floor: It’s a belly button. You idiot. (No clue.)
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Jul 4, 2021 17:44
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We are under mutual agreement with our buyer. Bummed they only came up $3k and a little stunned at the other offer that had $10k in low appraisal funds they didn’t want to just use to up the offer price. They would have won and it would have easily appraised for that amount but w/e. This market is getting stupid and I still feel lucky we sold and at the price we did even if it probably would have gone for $15k more a month or two ago.
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Jul 4, 2021 22:14
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Dude just be happy the house sold and you can move into your next home.
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Jul 4, 2021 23:27
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skipdogg posted:Dude just be happy the house sold and you can move into your next home. This. The feeling of all that poo poo no longer being your problem? 
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Jul 5, 2021 02:13
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skipdogg posted:Dude just be happy the house sold and you can move into your next home. We are, I’m ready to move and enjoy our new backyard this summer. Maybe put up a steel frame pool too.
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Jul 6, 2021 00:52
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skipdogg posted:Dude just be happy the house sold and you can move into your next home. The circle of life... Before: it just personally offends me to pay so much money to landlords After: The bank gets to pocket how much from me every year for the next 30 years?!?! twerking on the railroad fucked around with this message at 13:16 on Jul 6, 2021 |
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Jul 6, 2021 04:03
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BigPaddy posted:They did start trying to form sentences when I said maybe I should just report all that to the BBB instead. But the BBB is pretty much a more scummy Yelp for old people. It doesn't actually have any teeth.
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Jul 6, 2021 13:22
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What was the consensus on using redfin to sell? More of a pain in the rear end than finding an agent who won't pull this dual rep poo poo even though we tell them we're not into it (several of the buyer's agents we interviewed when buying tried to insist on it, and it was a nonstarter)?
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Jul 6, 2021 18:58
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I just saw i was probated. I really didn't notice -- I don't post often enough. Thing is, whether it's framed as a gift or as a loan, she'd repay anyway. She's that sort of person. You don't seem to understand, I don't like her -- at all. I really don't love her. But she is my mother. I want to help help her. She can repay the loan, and rather easily, too. She makes rather a good deal for this area. The issue is the down payment. Asking prices are inflated at the moment, but absolutely nobody is realizing those prices. They're asking what the price of what homes sell for in the NYC suburbs -- not here. Is she lying to me about what her situation is? Likely. It's likely her husband is lying to her, too? Nearly certain. Will she see a CPA? I will try very, very hard to make her, but she'll just as likely go back to H&R Block. And yes, that trans person who posted about North Carolina gets it entirely. I'm not leaving northern New England, no ifs and or buts. She called my bluff and I called hers. She knows about home owner's insurance and other associated fees. Until very recently, she's owned houses here. Multiple. She knows what owning a house means. Edit: And I'm not certain what "the topic" I'm meant to drop is. Again, whether I frame the gift as a "gift" or as a "loan", she'd repay me, regardless. (USER WAS PUT ON PROBATION FOR THIS POST) PersonFromPorlock fucked around with this message at 19:33 on Jul 6, 2021 |
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Jul 6, 2021 19:26
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You're supposed to drop talking about mortgage fraud, jfc.
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Jul 6, 2021 19:39
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Then stop talking about. Gift, loan, or otherwise, it doesn't matter,
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Jul 6, 2021 19:45
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Dik Hz posted:Good job holding them to the contract. Despite having no teeth it often somehow has enough reputation to be a threat to work anyway.
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Jul 6, 2021 19:48
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PersonFromPorlock posted:I just saw i was probated. I really didn't notice -- I don't post often enough. I probably shouldn't take the bait, but just in case you're sincere here's one last try: the topic you need to drop is talking about whether the money you give your mom is a gift or a loan. No one cares how you "frame" it when you hand it to her, the only thing that matters to the discussion here is how it is reported to the mortgage lender, and we've all answered that for you twenty times over. You've explained multiple times that she will repay you no matter what - everyone here gets that, and everyone here is telling you that that means it is a loan and she is obligated to report it to the lender as such. End of story. E; fb, but I'll leave this here because I've spelled it out plainly and if you don't get it after this I'll finally be satisfied that you're just trolling. marjorie fucked around with this message at 19:55 on Jul 6, 2021 |
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Jul 6, 2021 19:52
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Please just shut up about the whole thing, make bad decisions, whatever, but please stop seeking tacit approval for a lovely decision you are wanting to make to help your lovely mother buy a house that will legally be half owned by your somehow (?) even shittier father. She has a place to live, your insistence on breaking the law so she can own a house is baffling, renting is a perfectly valid form of paying for shelter. As some fun borderline thread related content- I work in a mortgages-ish related field and was reminded today of a valuation report for a property that included the phrases “barely habitable in it’s current state” and “hardly meets the definition of a dwelling” - the valuation? ~£800,000, London property is a hellscape. And this was before the pandemic drove house prices through the roof.
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Jul 6, 2021 19:53
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PersonFromPorlock posted:Then stop talking about. Gift, loan, or otherwise, it doesn't matter, The onus is on you to stop talking about it, holy gently caress. Just cause you're saying "well it's a gift she'd still repay cause that's just how she is" doesn't mean it's not mortgage fraud.
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Jul 6, 2021 19:56
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aDecentCupOfTea posted:As some fun borderline thread related content- I work in a mortgages-ish related field and was reminded today of a valuation report for a property that included the phrases “barely habitable in it’s current state” and “hardly meets the definition of a dwelling” - the valuation? ~£800,000, London property is a hellscape. Sounds like some shacks in the SF Bay Area where the ground covered in debris (aka the standing house) is worth a million dollars on its own.
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Jul 6, 2021 19:56
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aDecentCupOfTea posted:
I had an appraisal from a client new purchase that actually said the words, "building is a knockdown", and the lender still wanted full replacement cost special form coverage for it. It took two phone calls to explain to them that you cant insure a building at $0, and that no we cant just place a policy anyway. Someone with a VP title had to approve not having building coverage on a building that was being knocked down the week after closing for safety reasons.
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Jul 6, 2021 20:01
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Then stop talking about the "gift" or" loan" whatever you choose to call it. As I said before, it's an unproductive topic. Just drop it. I'll try, very hard, to get her to a CPA. Is there any other advice?
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Jul 6, 2021 20:14
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PersonFromPorlock posted:Then stop talking about the "gift" or" loan" whatever you choose to call it. As I said before, it's an unproductive topic. Just drop it. I'll try, very hard, to get her to a CPA. Is there any other advice? No.
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Jul 6, 2021 20:16
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Here's my advice. Don't commit Mortgage Fraud. Don't discuss mortgage fraud on a public forum. Also, you don't owe your mother anything. I pretty much severed from my entire toxic family, save my sister, and my life is 1000% better for it.
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Jul 6, 2021 20:19
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PersonFromPorlock posted:Edit: And I'm not certain what "the topic" I'm meant to drop is. Again, whether I frame the gift as a "gift" or as a "loan", she'd repay me, regardless. Let me make this perfectly clear: The majority of your post is simultaneously irritating/condescending/not relevant to the house purchase thread. It's more relevant to E/N than to BFC. You were given advice. You apparently don't care for that advice. Tough poo poo. The only part left that's relevant, which you KEEP BRINGING UP, is the gift vs loan. You are posting about mortgage fraud in a thread that repeatedly asked you not to. BFC-Relevant Answer to problems with your mother/relationship to her: Don't buy her a house. BFC-Relevant Answer to problems about whether her financials are lies or not: Don't buy her a house. BFC-Relevant Answer to problems about whether your mother should be purchased a house: Don't buy her a house. BFC-Relevant Answer to anything related to "but she'd pay me back the money": Regardless of what would happen under the table, her paying you back even a dime is mortgage fraud. That's the legal standard. Full stop. What you do under the table is yours to do, but stop talking about it in public in a home purchase thread. I've queued up a week for you since you apparently missed the short one. If you come back and do this again, your next one is 30 days.  To everyone else: Let's drop the topic again. Thanks! 
Sundae fucked around with this message at 20:29 on Jul 6, 2021 |
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Jul 6, 2021 20:26
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My apologizes. I thought this was the thread for asking for mortgage advice. The only reason I keep bringing anything up is to shut up other people about it. Foolish me. I'll not bother you again. Queue me up for whatever you like -- 30 days, 30 years. (USER WAS PUT ON PROBATION FOR THIS POST) PersonFromPorlock fucked around with this message at 21:28 on Jul 6, 2021 |
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Jul 6, 2021 21:19
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you got mortgage advice, friend
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Jul 6, 2021 21:25
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So we are possibly stuck at underwriting because I can't get a Q2 401k statement (based on past history they come about July 25th for Q2). I am not doing anything with my 401k and it really has nothing to do with the purchase but you know... stupidity? Supposed to close on the 20th...
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Jul 6, 2021 22:07
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spwrozek posted:So we are possibly stuck at underwriting because I can't get a Q2 401k statement (based on past history they come about July 25th for Q2). I am not doing anything with my 401k and it really has nothing to do with the purchase but you know... stupidity? Supposed to close on the 20th... House-buying thread - Why is everyone involved in this process so deeply stupid? Thread title delivers once again
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Jul 6, 2021 22:11
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spwrozek posted:So we are possibly stuck at underwriting because I can't get a Q2 401k statement (based on past history they come about July 25th for Q2). I am not doing anything with my 401k and it really has nothing to do with the purchase but you know... stupidity? Supposed to close on the 20th... Does your 401k have to be listed as an asset at all? If not, ask them to remove it. Bingo bango no more statements needed.
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Jul 6, 2021 22:14
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H110Hawk posted:Does your 401k have to be listed as an asset at all? If not, ask them to remove it. Bingo bango no more statements needed. That is a good idea. I just sent them all my stuff and let them roll with it. Once they call me back I see what is what... E: This was the solution. spwrozek fucked around with this message at 02:44 on Jul 7, 2021 |
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Jul 6, 2021 22:56
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Just closed on my first house about 5 hours ago. Amazingly, absolutely nothing went wrong the entire time. My money wired early, sellers filled out paperwork prior to closing, done. Seller went above and beyond with cleaning and even filled in all of the nail holes where he had pictures hanging. Excited to move in tomorrow. Already re-sealing the shower grout so I guess it's time to move onto the Home Ownership thread.
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Jul 7, 2021 00:32
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Anyone else reach out to Chase for a mortgage? I started an application online with them and a couple of other places that just do mortgages. The other places reached out the next business day but chase hasn't really done anything. I sent a message and called and left a voicemail but still haven't heard anything. Just wondering if that's normal from them.
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Jul 7, 2021 00:32
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For some reason I've got Chase bank lumped in with Wells Fargo and Bofa as "never do business with these banks" but can't remember why.
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Jul 7, 2021 01:06
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biracial bear for uncut posted:For some reason I've got Chase bank lumped in with Wells Fargo and Bofa as "never do business with these banks" but can't remember why. I've had a decent experience with BofA as one of my credit cards but hard gently caress Chase for sending a notice that I had a small unpaid balance on one of my cards I forgot about in a blank envelope that looked like the other spam they send out, and not sending emails about statements when I went paperless.
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Jul 7, 2021 01:15
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Chase matched (actually beat, after credits) Better.com's terms for me, but I have other relationships with them as well so maybe that helps. My current team is pretty on-the-ball. When I reached out to a local branch for "just pre-approval" earlier this year, the people I dealt with weren't nearly as good, so there may just be luck in the draw. A colleague had glowingly recommended a Wells Fargo agent to me and it took five minutes of Googling "Wells Fargo mortgage fraud" to remind me to neeeeeeeever use them. Although honestly I don't think JPMC is a much better corporate entity in general.
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Jul 7, 2021 01:25
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