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As a Millennial I posted:We've found a house we think we're ready to move on. The one sticking point we're still unsure about - it shares a driveway with the house next door. Anybody have horror stories re: shared driveways? Some friends recently bought a house with a shared driveway easement thing. They've had a lot of headaches with it, similar to that story linked above. Have you said hello to the neighbor?
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Apr 21, 2015 19:39
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| # ¿ May 15, 2024 10:00 |
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Locks are useless you need traps. Me coming home after work: e- Note that you should up your liability coverage, if you go with this setup. Epitope fucked around with this message at 07:04 on Jul 18, 2015 |
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Jul 18, 2015 06:54
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SiGmA_X posted:Get quotes, and get a credit from the seller. You don't want them hiring a really bad contractor. Just had some experience with the FHA inspection thing. Sitting down with the bank to sign lots of stuff. She tells us it's our right to get an inspection, although we don't have to. But! if we tell her that we got one then she has to use it and we have to fix everything they say. She even told the story of the couple who were both contractors who planned to knock out a wall right after closing. They still had to pay someone else to fix the outlets in that wall before they could close. One of the forms we then sign says "we choose [] /choose not [] to have a home inspection," and that seems like the whole point of the form. She points to the sign spot, then flips the page. Of course my anal retentive german heritage makes me say wait, we don't have to mark a choice? She just kinda played dumb until we flip the page again. It's exciting navigating these murky waters involving 100s of thousands, where loopholes involve dotting that i but not crossing that t. Onward! Bring on the folly! ps, Poker guy, do you own everyone in negotiations?
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Jul 28, 2015 21:47
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OSU_Matthew posted:When they send in that paperwork for underwriting, I'm assuming it'll get kicked back if you don't fill that out. In which case, you might as well go ahead and mark yes because you'll be getting an inspection of course. Hmmm, if you are right then why would they wait? Why would she not say to mark it when I asked? Like, what was the point of her telling that story? Anyway yes the inspection is done and the repair amendment already negotiated and signed.
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Jul 28, 2015 22:26
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QuarkJets posted:I think the meme in this thread is that "agents are literally scum of the earth". They're somewhat useful, you just have to keep in mind that they're looking after their own best interests, not yours. These interests don't always align I find all realtors, including ours, to be slimy and awful, but there's no way I'd want to do this without one. We tossed around putting in an offer on an FSBO, and the sellers wanted us to go without a realtor too. God that would have been a nightmare.
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Jul 28, 2015 22:49
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Just signed the closing stuff. It came up that the As-Built does not reflect the addition of an arctic entry. They tried to make it sound like this won't be a monkey wrench thrown in the works, but we'll see. She asked if it's on a concrete foundation. Well no, the old front steps are still visible under the new deck which extends from the entry, but the entry has a roof that is contiguous with the main house... I can't see that as being a non-permanent addition. Maybe we can get a new survey done in like 24 hours? This was the realtors missing something they should have seen, isn't it. The shed isn't the same one that is on the survey either. The realtor also gave us a fancy knife, huh. I can't deny that does endear him to me a bit, guess I'm easy.
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Aug 19, 2015 21:15
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Our title insurance (both sides) was over $2000Antifreeze Head posted:A what? As-Built survey. Maybe it's an Alaska thing? http://www.alaskarim.com/alaskarim/page.html?page_id=145 The title office lady said that the shed on the survey was violating the setback, but that shed is no longer there. So presumably the only issue would be the survey needing updated. They're still saying it's no problem so onward to recording. Gimme them keys, and lurking maintenance horrors.
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Aug 20, 2015 18:19
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Antifreeze Head posted:I was on board with the As Built part, it was the arctic entry I was wondering about... but if you are in Alaska then I guess things are working as intended. Oh, haha. Ya it's cold up here, although the last year or two you lower 48ers stole our winter. Supposedly getting keys in a couple hours. Never heard anything else about the as-built, nor the choice of inspection form I mentioned during the mortgage app. It's wild how much fudging goes on in these 6 figure deals. Although I suppose it shouldn't be surprising given things like ENRON, and the subprime mortgage thing.
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Aug 21, 2015 18:37
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100 HOGS AGREE posted:How the hell do you ever get a response from a seller's agent? No one ever replies to me when I contact them myself and leave voicemails and emails and poo poo. I just dumped my buyer's agent because she was lovely but now I can't get any responses. Weird. All the sellers agents we contacted would fall over themselves trying to represent us too. ^^ ya that
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Sep 9, 2015 18:06
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Ya, a little courtesy goes a long way. This Economic Sinkhole posted:You: "I'm going to trim that tree, it is touching my house" may sound like a waste of time, but you're giving them the opportunity to voice any concern or give input. Sure, 99% chance they won't have any, but it still lets them feel in charge of their little kingdom. "I'm not an rear end in a top hat, you're the boss of your domain" is totally worth saying.
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Sep 22, 2015 20:38
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revmoo posted:It's not in my name, we just make the payments. Dumb I know but I also wasn't expecting a close family member to have a mental break. Our credit wasn't in shape to get anything back when we moved in so it was pretty win/win at the time. Can you assume their mortgage? I think it depends on the terms of the loan, but something to look into. http://www.nolo.com/legal-encyclopedia/avoiding-foreclosure-can-someone-else-assume-take-over-the-mortgage.html
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Dec 1, 2015 02:34
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We once lived in a house with the closet coming off the bathroom. Then one summer everything in the closet started molding, so we moved because we were renting.
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Aug 6, 2016 22:31
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Citizen Tayne posted:Does your house have a basement? I am protected 
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Aug 18, 2016 02:26
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this is the place for tales of regret and self loathing, right? started shopping casually about a year ago. we were in a month to month rental, so no pressure. want to find the right place. did a viewing here and there. nothing too serious. occasionally one would be a bit exciting, but never enough to make any moves. also, taking the time to get the financial situation in prime shape (increase our ability to overextend). beginning of 2020, feeling like we should find one this season. still not a rush, but ready. start to get bummed when houses that look intriguing are under contract before we can drive by to take a look. ok, guess we need to be ready to pounce when the right one comes along. made a low ball offer on a FSBO, but no traction. seeing a few that are looking close, but they need too much work and are at the upper end of the budget even before including remodel costs. starting to feel discouraged by our prospects. then a friend points out a coming soon. prime lot. good size for us. looks super nice. zillow says way past our budget. lets look anyway. the word from the realtor is, "immaculate care" "done it right" "surprising to find that anything needs work." ok so maybe if it doesn't need any work for a while, we can afford it! (i'm sure you can guess how that worked out) At the viewing, it indeed looks like it was done right. uh oh, they say an offer is already being tendered! better rush to the bank to see if we're cleared for this much. of course we are, they know we're good for it. ok, so, what are we doing? make an offer? be competitive? we're already way maxed, how do we do that? by saying "as is" of course. no, i don't like that, it's not a good move. ok fine, it's just money. roger, bombs away. bang, we're under contract, hooray. time for the inspection. should we get the guy we used last time? na, we're on a time crunch, just use the realtor's. (critical error 3? someone else count for me) the guy is just raving about the house. screw you buddy, we're paying you to tell us what's wrong with it. whatever, i guess it really is done right. sailed on through to closing, with the usual underwriting scramble, this time with a pandemic haze. time for our walk through; what color shall we paint this room? signed, got them keys, time for movin. sweet, new digs. ah, are those some water spots on the ceiling? well, they did have a leak they fixed, maybe that's just from before the fix. hmm, the replaced section of soffit has some spots on it too. eh, that gutter is backflowing a little, it's probably just that. maybe i'll just peak behind the soffit vents. uh, honey, the roof decking on half the north side of the house is blossoming with mold. gently caress. what the hell, they spent a bunch of money on the roof, how did they not fix the problem? who is this joker previous owner? let's look him up in the records. oh geeze, he's been involved in a lot of litigation. oh my, he and the owners before him were in court for years over this roof. jesus the rafters have been replaced twice in the last 20 years. and it appears that the problem has still not been solved. welp huh, typing that out helps. seems i'm not truly wishing to have take our down payment, quit our jobs, and lived in a van. and glad to not have a landlord anymore. weird. is this like stockholm syndrome?
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Apr 17, 2020 06:07
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BAE OF PIGS posted:If we wanted to find someone to help us figure out how much house we can afford, help us navigate all the different first time homebuyer programs that are available, direct us to good lenders in our area, etc. would an exclusive buyers agent be the route to go? A real estate agent and a loan officer will be happy to hold your hand and explain your options. If you're asking who will help you make responsible choices, I don't know. The bank and the real estate agent might very well encourage you to make irresponsible or even reckless decisions. Maybe some are better than others in that regard. I bet you could find out by asking the right questions when you interview them.
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Apr 23, 2020 18:53
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Mr. Powers posted:Find a nonprofit near you that has first time home buyer classes. In NH, we have NHHFA and CATCH that offer these sorts of classes for free. They do not have a financial interest in you spending as much money as possible. Not that you shouldn't take the class, but don't expect it to fully equip you. The one here they said "oh the seller pays all the realtor fees, so that's free to you, yay!" Which is not a very responsible way to portray that part of the deal.
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Apr 23, 2020 20:33
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BAE OF PIGS posted:If we wanted to find someone to help us figure out how much house we can afford Thinking about this more, do you mean like a financial planner? Someone who will sit down with you and your partner and discuss your goals and budget and retirement plan etc? A realtor or loan officer is for sure not a good option there. Like ^^^^ that guys says, they're just gonna get you in a house, whether it's good for your goals or not.
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Apr 24, 2020 02:17
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ntan1 posted:the best kind of legal is quasilegal - This is how half the work our there is done. The other half is done "by the book" by people blindly following code and their training, with no comprehension or interest in achieving the intent of the code/training they're following.
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Apr 27, 2020 22:03
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Zero VGS posted:I'm going to be living there homie, like for real. Not my fault it's profitable the second I get the keys. Not sure what me renting the other units has to do with me having been able to afford it until it failed appraisal, and asking what solutions would and wouldn't be kosher to make up the difference. You're bragging about this great deal you're about to close, while whining about the regulatory tape that's holding you back. All you see is bullshit red tape, while people here are pointing out serious red flags. This would be a reason enough to call you out, but you're aspiring to build your fife on three other households' rent money. If you get in hot water, they could feel that heat. People aren't jealous or just being mean, they're worried they're watching a slow moving train wreck and are trying to prevent it.
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May 4, 2020 01:06
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gvibes posted:"soon." Feelin this pretty hard
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May 15, 2020 19:17
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Weaponized Autism posted:Made it to attorney review! Everything is going well so far. They wanted to see the earnest money transaction on my end, and I was like but the statement isn't coming out for weeks, can I get you something sooner? The solution was for me to go in and log into my bank on their computer and show them, and they printed the webpage. House buying rules
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May 19, 2020 01:30
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Mortgages and deeds and contracts look all important and official, but they're really just another system like plumbing or electric. Instead of flooding your basement or burning your house down you might send all your money to ??? so that's why you pay the professionals and if they gently caress up, don't worry kid that's what insurance is for
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May 21, 2020 22:33
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hey guys it's the previous owner, let's stomp his rear end
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Jun 17, 2020 02:04
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skipdogg posted:You’re not supposed to take the wall mount. Something about it being attached to the house, so it conveys unless specified in the contract. Yes I'm sure it's to be compliant and not because people are lazy E. Not trying to call you out personally, maybe your realtor, def my previous owner Epitope fucked around with this message at 18:04 on Jun 17, 2020 |
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Jun 17, 2020 17:44
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skipdogg posted:I swear I'm not making poo poo up. Here's an excerpt from a standard Texas real estate sales contract https://www.trec.texas.gov/sites/default/files/pdf-forms/20-14_0.pdf I don't doubt it's by the book (though standard and required are different). It just happens that this practice aligns with sloth, and thus is followed, while other requirements are too much work, and are ignored
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Jun 17, 2020 19:43
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Hawkeye posted:but it depletes us more than I'd like to be depleted. Did this. Regret it. Stay strong, don't let the pressures convince you to do something you know you shouldn't
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Jun 19, 2020 04:41
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Zero VGS posted:Inherited wealth? How loving dare you, I grew up poor and had barely enough for a down payment in 2008 when I got into real estate. No, it was 50% good hard work and bootstraps and luck, and 50% fraud to take the edge off. All of this is cool and good, except for the fraud.
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Jul 16, 2020 20:37
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I made a thread about do never buy. Come help/laugh at me https://forums.somethingawful.com/showthread.php?threadid=3951491
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Dec 14, 2020 16:10
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I think the question is if you offer asking and it appraised at asking would you be happy? And if you offer asking, pay for appraisal, and it comes back 70k lower and the seller won't budge, how sad would you be? You could also offer at 70k under asking.
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Jan 3, 2021 21:45
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Dik Hz posted:or bad at their jobs. Ya. There's this feeling that since it's a large transaction people are competent and take appropriate care. In reality there's probably similar quality work done by a typical highschool algebra class
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Jan 4, 2021 19:49
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GoGoGadgetChris posted:"The most probable price that the specified property interest should sell for in a competitive market after a reasonable exposure time, as of a specified date, in cash or in terms of equivalent to cash, under all conditions requisite to a fair sale, with the buyer and seller each acting prudently, knowledgeably, for self interest, and assuming that neither is under duress" Thank you for the explanation, nice to know more about what goes on. However lol at the bolded part, especially "knowledgeably"
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Jan 4, 2021 22:32
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Objectivity is a nice goal, but we're all human. Also even if they do a perfect job of looking at all the cards on the table, deuce seven occasionally hits a full house.
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Jan 4, 2021 22:48
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Tried to buy a house, ended up a communist
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Jan 11, 2021 23:06
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B-Nasty posted:Many of the major (5-figure+) defects are also pretty readily apparent to anyone with even some basic construction knowledge. I don't doubt there's people who are better at this than me, but I don't think I'm a total dunce and I got nailed (with an inspection...)
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Jan 14, 2021 21:06
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Pilfered Pallbearers posted:a $600 inspection could* have saved you that 15k in the cost of the house. *results may vary. No guarantee expressed or implied. In the event of an error or omission, take a hike sucker
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Jan 14, 2021 22:53
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What's with making the thread icons the same? The house threads are hard enough to tell apart as is. Sorry for griping, mods are good and coolAmbientParadox posted:Or am I having a panic attack over nothing House buying is stressful af. Stay strong goon
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Jan 26, 2021 23:06
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AmbientParadox posted:The tops of the tiles over the west side of the dining room are exposed. This condition can allow water under the tiles and can cause leakage of the roof That sounds moderately concerning. I'd want to get the roof focused inspection
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Jan 31, 2021 05:08
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Wait, there's people in the 21st century who don't like open concept kitchens? I've lived in i think 16 houses, and I can think of 1, my grandparents', that had a kitchen with a closable door. Only a couple more could you even get a door in there without a big remodel. Who are you people?
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Feb 3, 2021 21:32
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Motronic posted:Or do you think any kitchen without a closable door is open concept? Because that's not at all what we're talking about. Ok maybe it's just me not understanding what y'all are talking about. If there's a wall but the opening is the size of a big double door, does that count as open concept? Is that enough to make a difference for these smells and grease and noise that seem so bothersome?
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Feb 3, 2021 21:48
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| # ¿ May 15, 2024 10:00 |
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Ok I went back and looked, and my college house actually did have a double folding door in the doorway. We certainly never closed it, and the layout didn't prevent someone watching a movie chatting someone running the stove. My grandparents kitchen was very separate, like "go back to the kitchen and top bothering us, servant" style.
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Feb 3, 2021 21:55
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