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We just bought our house Dec 15. Our mortgage was with United Wholesale Mortgage. It is getting transferred to Mr Cooper. Should I be concerned in any way?
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May 4, 2024 23:00
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That’s cool that a teacher got retirement up and running. Maybe you can hang with him he seems pretty cool.
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May 4, 2024 23:09
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Duckman2008 posted:We just bought our house Dec 15. No, this is standard practice. It might not even stay with Mr.Cooper, although I'd say the chances are pretty good it will, as they're a very large mortgage servicer. My loan was originated with JG Wentworth, went to Wells Fargo, then to Mr.Cooper where it's stayed.
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May 4, 2024 23:09
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My loan has just stayed with chase, I hope it doesn’t move their website is pretty good…
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May 4, 2024 23:13
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My mortgage got sold basically immediately, but I still made payments and did all my paperwork through the original bank. It was a total non-event as far as I was concerned.
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May 4, 2024 23:28
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Duckman2008 posted:We just bought our house Dec 15. This is normal mortgage poo poo, but as someone who's mortgage is owned by Mr Cooper, gently caress Mr. Cooper. Good god they're worthless. This isn't a new thing either. They used to be Nationstar and re-branded in part because everyone hated them. Pay attention them and brace yourself to sit on the phone for a few hours if they gently caress something up. Their CS is god awful. My tip is when you get into their phone tree and can't find the option you want, go to "mortgages" and keep buttons until you get a salesperson, then tell them the phone tree brought you here and could you please give me the correct number for someone to help with my issue with an existing mortgage? Literally the only way I've found to resolve crap with them. The thing they gently caress up with me annually involves a check box on their end they should be able to check off but can't because of some software problem. At least that's what the clearly ill trained lady who was working the system that day told me. She straight up said I'd probably have to call every year because she couldn't check the greyed out box that she needed to check off to prevent me from getting nasty grams about my insurance. In summation: gently caress Mr. Cooper.
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May 5, 2024 00:09
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Chase services my mortgage and they seem pretty ok
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May 5, 2024 00:15
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Cyrano4747 posted:This is normal mortgage poo poo, but as someone who's mortgage is owned by Mr Cooper, gently caress Mr. Cooper. Good god they're worthless. Oh great. But basically nothing to do but go with the flow and wait and see. Fun poo poo. Second question: so like, if I want to re finance down the road because rates go down or whatever, can I got through the same person who I got the OG mortgage setup with, or do I have to go through this new company?
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May 5, 2024 00:16
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Mortgage lenders can sell two things when you get a home loan. They can sell your actual mortgage, and they can sell the mortgage servicing rights ("MSRs"). They can sell them to two different groups even! The thing you'll actually care about is if they sell the MSRs because then you'll get a new (probably bad) phone tree to deal with. Not much you can do about it unless you can find a place that will portfolio your loan, and even if they do that there's no real guarantee they'll keep yours, or not change their mind later. Duckman, you can contact anyone you want to refinance your loan.
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May 5, 2024 01:38
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MarcusSA posted:That’s cool that a teacher got retirement up and running. Maybe you can hang with him he seems pretty cool. 
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May 5, 2024 03:10
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SpartanIvy posted:I built a 300K BTU NG fire pit. I misread this as BUG fire pit at first, and was a bit confused, but it did bring back pleasant memories of the last bug fire pit I built (well, helped build, team effort).   Someday I aspire to buy up a bunch of land and do the same poo poo in my yard.
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May 5, 2024 03:48
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Duckman2008 posted:Second question: so like, if I want to re finance down the road because rates go down or whatever, can I got through the same person who I got the OG mortgage setup with, or do I have to go through this new company? Refinancing is just taking out a new mortgage and using it to pay off the old one. Unless you are in the quite rare situation of having early payment restrictions, your current mortgage holder doesn't need to be involved except to get repaid at the end of the process by your new mortgage.
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May 5, 2024 06:30
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Sometimes I feel like I am in the movie the Money Pit 
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May 5, 2024 06:50
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Muir posted:Refinancing is just taking out a new mortgage and using it to pay off the old one. Unless you are in the quite rare situation of having early payment restrictions, your current mortgage holder doesn't need to be involved except to get repaid at the end of the process by your new mortgage. Awesome. I thought so but wanted to check thank you.
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May 5, 2024 13:14
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MarcusSA posted:Sometimes I feel like I am in the movie the Money Pit Just FYI the ventilation only comes out the rectangular hole with the vent tube attached. Internal speed holes will not allow you to pay off your mortgage faster, hth
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May 5, 2024 18:25
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Hadlock posted:Just FYI the ventilation only comes out the rectangular hole with the vent tube attached. Internal speed holes will not allow you to pay off your mortgage faster, hth Oh!!! And they had to cut into the stucco outside and! It loving rained again in LA last night. Luckily it wasn’t super windy so the rain probably didn’t get into the walls but wtf.
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May 5, 2024 18:32
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Did they tell you they'd be done in two weeks?
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May 5, 2024 18:36
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Sirotan posted:Did they tell you they'd be done in two weeks? Well he said one day but they aren’t coming back to patch till tomorrow morning soooo. It’s fine though because they are gonna patch because I only paid for half of the job. I need to contact the HOA about painting outside because I have no clue what the paint color is.
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May 5, 2024 18:45
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MarcusSA posted:Well he said one day but they aren’t coming back to patch till tomorrow morning soooo. If you go to a local Sherwin Williams or other paint store, they usually keep on file the colors of various HoA buildings. If you are in a densely populated area with a lot of options, you are better off asking the HoA directly. If they can't give you the color info or have to look it up just ask where they got it.
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May 5, 2024 19:01
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people complain about hoas a lot but you just need to learn how to effectively deal with them, when it comes to paint rules you can use whatever color you want and if the hoa complains spray poo poo onto the president's house
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May 5, 2024 19:04
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QuarkJets posted:people complain about hoas a lot but you just need to learn how to effectively deal with them, when it comes to paint rules you can use whatever color you want and if the hoa complains spray poo poo onto the president's house Only if it comes from the Paris region of France. Otherwise it's just sparkling vandalism.
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May 5, 2024 21:41
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Sadly I need to buy a diswasher. Budget is $600-$700, anyone have experiences with either of these models? https://www.costco.com/samsung-46-d...stainless+steel https://www.costco.com/whirlpool-top-control-dishwasher-with-soak-and-clean-cycle.product.100682823.html Looking to get 5ish years out fo this until we do a kitchen reno and replace everything.
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May 6, 2024 02:19
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Upgrade posted:Sadly I need to buy a diswasher. One thing I do know is that samsung can suck it. Never ever again anything samsung.
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May 6, 2024 02:25
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Upgrade posted:
I have this exact model and have no complaints with the caveat that I’ve only had it for about 6 months. I did find that I need to top up the rinse aid reservoir now and then (as manufacturer recommended) to get plastic stuff completely dry, though I gather that might vary on how hard your water is.
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May 6, 2024 02:34
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I am not an appliance expert but 5 years ago I bought the quietest Samsung dishwasher on the market iirc something like 39-44 db rated. Very glad I sprung for the quietness. It has been fine and operated without any issues. My one complaint is that the filter at the bottom gets very nasty and the cleaning gets less effective. Cleaning that filter is a disgusting task.
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May 6, 2024 02:36
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I bought this LG and couldn't be happier. Samsung is a hard avoid for appliances and the dishwasher I was replacing was a nearly-new Kitchenaid that had no specific faults other than it absolutely could not get dishes clean. Whirlpool makes Kitchenaid so that was also off the list.
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May 6, 2024 02:52
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Upgrade posted:Sadly I need to buy a diswasher. I have an older two-rack version of the whirlpool (wdt730pahz) and am very happy with it. It is quiet (not silent) yet gets dishes drat clean even when I load it to the gills. It came with the house but I believe it is roughly five or six years old. Cycle takes about three hours, but that's the norm now and I really cannot emphasize enough how drat effective the thing is at cleaning dishes.
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May 6, 2024 03:16
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Upgrade posted:Sadly I need to buy a diswasher. I’ve had that Samsung for 2 years with no issues. Works great, quiet, does a good job on the dishes.
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May 6, 2024 03:24
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Samsung for a long time was on the avoid at all costs list, but in the last couple years, they have made substantial changes to a lot of products and improved on them significantly.
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May 6, 2024 03:31
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Can't believe nobody has suggested "literally any dishwasher made by Bosch" yet. I just replaced a POS whirlpool that the PO had slammed in the week before closing 8 years ago and the Bosch is a million times better at cleaning. The whirlpool ate the main motor assembly and a control board and would randomly not clean dishes even though it appeared to be running its cycle.
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May 6, 2024 12:53
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skybolt_1 posted:Can't believe nobody has suggested "literally any dishwasher made by Bosch" yet. I just replaced a POS whirlpool that the PO had slammed in the week before closing 8 years ago and the Bosch is a million times better at cleaning. I think since he is planning a reno in a few years and will replace it, they should save yhe Bosch until then.
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May 6, 2024 13:03
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You can get the nicer appliance now and reinstall it down the road after the reno!
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May 6, 2024 13:22
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brugroffil posted:You can get the nicer appliance now and reinstall it down the road after the reno! Sure, but I am assuming since they specifically stated so, that there is a reason why that won't work, such as a planned conversion in color scheme.
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May 6, 2024 13:32
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swickles posted:Sure, but I am assuming since they specifically stated so, that there is a reason why that won't work, such as a planned conversion in color scheme. Correct - right now we’re just going with stainless, but in the future may not. Also the Bosch at the price point we want to spend doesn’t have a third rack, which is something I like. I know this is also blasphemy, but I’ve used a Bosch for a few years now in my office and I don’t love it.
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May 6, 2024 13:48
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I've read Bosch has pretty terrible drying. The higher models need a function that opens the door at the end of cycle to help out drying. I'm not really sure if any do great at drying in a non-heated dry mode though anyway. My old place I spent to get the 42db LG and it was did good at cleaning. I did not realize how quiet it was until my new place which has a 60+db dishwasher which is very noisy and doesn't have any heated dry mode at all. This doesn't really help I suppose, just been thinking about what to replace mine with.
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May 6, 2024 14:07
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I liked the Samsung , I think the same model, but it broke after 3 (?) years and I replaced it with a Bosch. Bosch is better at everything, except if you leave clean dishes in then they get wet?? The Samsung was the first dishwasher we owned that opened to dry, that part is great. Just get the extended warranty, plastic poo poo broke a few times and I got sick of fixing or paying to fix it.
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May 6, 2024 14:52
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I got a Bosch last year and it cleans and dries everything great. I just use the crystal dry feature for every wash and there might be a little water sitting inside a bowl or in the rim of a plastic container but you dump it out and it's totally fine?? Also op just get a Bosch with a panel front, then you can buy once cry once and customize the front of it once you make a design decision on your new kitchen.
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May 6, 2024 15:08
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My Bosh is functionally amazing, but I will say there's one big negative. I cannot for the life of me actually figure out how to use it. I basically just do things at random, push buttons and open and close it and turn it off and on over and over again until it starts running and hope it does a full cycle. It does have a manual, which I read (multiple times), but it doesn't make much sense and doesn't seem to correlate with how it actually behaves in any real way (except that its how I figured out the repeatedly opening and closing was crucial to getting it to start, the manual mentioned that some buttons only work when the door is open). That this is still, hands down, a massive and undeniable improvement over every previous dishwasher I've ever owned is saying something, hah. I do just wish it had a user interface that was comprehensible to a mere human being and buttons where their labels correlated a bit more closely to what they did, but thats a sacrifice I'm willing to make for a device that reliably gets my dishes clean.
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May 6, 2024 16:18
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Sirotan posted:buy once cry once
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May 6, 2024 16:46
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Did your dishwasher come with a manual? That's what I would check first if I didn't know how to use it
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May 6, 2024 16:47
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