|
Leperflesh posted:One of the key differences with a refi is you don't have a second party with a fixed date on which you are required to close. [words] Yes -- for our purchase we went with something where we knew things would be smooth, and with good service, and a good rate. Need to ensure a smooth closing. But if rates crater the next couple of months we could refi and at that point I'll just do whatever gets the 100% best deal because, screw it, there's no rush and I don't have to sign.
|
#
¿
Mar 3, 2020 23:16
|
|
|
|
| # ¿ May 15, 2024 10:03 |
|
|
what are the absolutely essential things a homeowner needs that can be purchased from Home Depot? I'll be making a trip there soon and want to make as few trips as possible. we're moving into a new house shortly; going from a renter to living in a place we own. yard, basement, garage, all that. getting lawn gear like a lawnmower, weed whacker, a wet/dry vac, a ladder, etc. other than some basic tools and normal cleaning supplies we own basically nothing required to maintain a place. edit: hmm poo poo maybe I should ask this in DIY pmchem fucked around with this message at 15:25 on Jun 27, 2020 |
|
#
¿
Jun 27, 2020 15:23
|
|
|
I just got a 50 gal elec tank installed for $1k
|
|
#
¿
Jul 8, 2020 00:58
|
|
|
H110Hawk posted:The trick is more salt. 
|
|
#
¿
Jul 12, 2020 22:05
|
|
|
and its sequel, Detective Sundae and the Unexpectedly Wet Wall
|
|
#
¿
Jul 13, 2020 23:56
|
|
|
H110Hawk posted:Or better yet, in your driveway blocking in your car. Did you know Lowe's will deliver basically any amount of gravel to any driveway for $75? no and that is awesome, I need gravel
|
|
#
¿
Jul 27, 2020 03:37
|
|
|
whatever it is, it isn't your friend. maybe beetles? https://www.abchomeandcommercial.com/blog/wood-boring-beetles/ get a pest inspection
|
|
#
¿
Aug 7, 2020 02:03
|
|
|
MayakovskyMarmite posted:Bought a house and now need to worry about lawn care. Anyone have a recommendation for an electric lawnmower for a pretty small yard? ego or ryobi from home depot
|
|
#
¿
Aug 10, 2020 12:47
|
|
|
Queen Victorian posted:Water heater has lasted over twice as long as it’s supposed to, but I’m not replacing it until it is truly dead because my dad and I are in a contest to see whose 1990s water heater lasts longer. Does the winner pay the loser's repair bill after all the water damage?
|
|
#
¿
Oct 15, 2020 19:49
|
|
|
what'd you do about the water damage or mold in/above your living room ceiling?
|
|
#
¿
Nov 11, 2020 17:00
|
|
|
GoGoGadgetChris posted:Hoo boy, I just came home from a week long vacation and my house smells incredibly musty. I hope it's just nose-blindness and that it has always been this way (and I can address the issue) and not related to my brand new roof & the recent heavy rains That would suck if the roof is bad. Probably not the case, though, right? Good luck. I hate water.
|
|
#
¿
Dec 27, 2020 21:39
|
|
|
laxbro posted:This is a great article thanks for sharing. What a nightmare. yeah, geez. The article only mentions insurance once. Would a typical home insurance policy help most of those people?
|
|
#
¿
Dec 31, 2020 18:36
|
|
|
Residency Evil posted:This kind of thinking makes me angry for some reason. check out this very different way of thinking: "Raze, rebuild, repeat: why Japan knocks down its houses after 30 years" https://www.theguardian.com/cities/2017/nov/16/japan-reusable-housing-revolution "Unlike in other countries, Japanese homes gradually depreciate over time, becoming completely valueless within 20 or 30 years. When someone moves out of a home or dies, the house, unlike the land it sits on, has no resale value and is typically demolished."
|
|
#
¿
Jan 1, 2021 21:40
|
|
|
Is there anything that you guys would recommend pouring down a main kitchen sink disposal / drain on an annual (or monthly) basis in order to help it stay unclogged and fresh? On the interwebs, you can find virtually any answer to this question: lemon peeks, vinegar / baking soda, drano, etc. I am skeptical. But it's also simple enough that I don't want to skip it if it's actually useful at all. I have never really put stuff down the kitchen sink with the intention of cleaning it. What regular maintenance do you all do on your kitchen sink drain system?
|
|
#
¿
Jan 2, 2021 22:27
|
|
|
El Mero Mero posted:Yeah when I went through my refi rocket mortgage were the most pants-on-head dumb when I was quote shopping. I actually did end up going with better. They did a great job in my case and I was able to continually bargain them down like 4 times using other folks' quotes. Their website was the only one that wasn't complete dogshit too. that was more or less my refi experience with better.com. initial offer wasn't great, they quickly bargained down multiple times after uploading competing LEs, and their website and phone support was good. they transferred my refi to their default servicer ("the money source" aka TMS), who promptly resold it a month later to a place that seems to have a good online interface and support. key part with better.com was just staying on top of them since the person in charge of most of the process was clearly dealing with like a bazillion other refis at the time, too.
|
|
#
¿
Jan 9, 2021 15:21
|
|
|
hmmxkrazee posted:Ugh, was planning on refinancing last week and now's gonna cost $1,300 more since rates have gone up (3% w/ 1100 credit to now 3% w/ 200 in points). Did not realize there were such drastic changes over a weekend. Should've locked in on Friday goddamnit. there are a lot of mortgage calculators online, Zillow's is pretty good: https://www.zillow.com/mortgage-calculator/ edit: direct link to their refi calculator https://www.zillow.com/mortgage-calculator/refinance-calculator/ if you're trying to figure out whether to lock rates, this site has good daily coverage of the mortgage (rate) market: http://www.mortgagenewsdaily.com/channels/ http://www.mortgagenewsdaily.com/mortgage_rates/ pmchem fucked around with this message at 13:19 on Mar 23, 2021 |
|
#
¿
Mar 23, 2021 12:59
|
|
|
devmd01 posted:
this just makes me think of how at the place we previously rented, the water heater failed, and the landlords had it replaced. but the contractors left the old one just sitting nearby in the basement -- perhaps because the stairs were so hosed up they were afraid to remove it up the stairs (who knows). so happy to be out of that place and lol @ the landlords having the most screwed up basement I've ever lived in
|
|
#
¿
Apr 2, 2021 23:12
|
|
|
Do any of you own a drone and use it to periodically check out your roof and/or gutters? I'm considering buying one. Getting on the roof with a ladder really is not practical for us. What drone model would be good for this type of thing, or what other thread should I be asking? I'm not sure where the drone thread is on SA.
|
|
#
¿
Apr 9, 2021 19:55
|
|
|
SpartanIvy posted:I just climb on my roof but I want to build a tracked drone to crawl around my crawl space with a FPV setup and gopro for easy inspections. Would definitely beat having to get suited up to crawl on my belly for half an hour. yeah. my roof/gutter question is more motivated by a desire for convenience than anything else.
|
|
#
¿
Apr 9, 2021 20:29
|
|
|
please knock Mom! posted:223k at 1.42% fixed for 30 years, what the gently caress is this rate That’s so far below the 30-year US treasury bond yield, there are only a few options: 1. It’s not a US rate 2. It includes buying a ton of points for a near criminal expense 3. It’s a scam Or it’s a typo or you left out some critical information and the thread is making bad assumptions about what the rate is actually about
|
|
#
¿
May 8, 2021 00:25
|
|
|
Sirotan posted:Dang nice. I am currently at 3.75%. Bankrate is advertising Better.com at 3% for me with no fees/points, but I would/will definitely shop around. better.com will negotiate if you have an official Loan Estimate from another mortgage company on a refi. I did this whole song and dance nearly a year ago. I went back and forth between better.com, lenderfi, and one other company with official LE's. I ended up getting almost all the fees and like 0.375% shaved off of better.com's first offer. 30-year fixed @ 2.5%. Amazing how these companies magically open up once they know you're a competitive customer. So, yeah, shop around.
|
|
#
¿
Jul 19, 2021 19:41
|
|
|
H110Hawk posted:Your time, ability to resist murdering basically everyone involved, your phones resilience to your abuse. this is accurate I hope rates don't go lower simply because I never again want to feel like I should refi
|
|
#
¿
Jul 19, 2021 22:51
|
|
|
Sundae posted:I'm looking again at refinancing since my 3.5% is so hilariously high right now compared to current rates. Better has a 2.875% that costs me $358 in points (lol) plus the standard closing costs. However, there is one spot I have some concern: In their loan disclosure, they state that they absolutely will sell off the loan, and that they absolutely will not service the loan afterward. I'm currently with Rocket Mortgage, whose online loan service panel is actually pretty danged good and convenient to work with. Even though they sold the loan off pronto, they kept all the servicing in one spot and have been easy to work with about that. correct. they will immediately dump the loan, most likely to The Money Source (their default servicer, they're associated with better.com somehow), who will then probably dump the loan off to someone else; possibly even fannie/freddie and it ends up in a MBS (not that it matters to you), and each will have a different web portal. I'd imagine this is the case for most of the online refi industry. that said, it's TYOOL 2021 and odds are you're probably just gonna end up clicking through some web portal anyway? we opted not to do escrow so as to not have the headache of dealing with that if they screwed up taxes or w/e. if you do the math it's basically a wash if you invest the difference anyway.
|
|
#
¿
Jul 20, 2021 01:46
|
|
|
H110Hawk posted:Student loans are a whole different portal system generally because of course they are. Even the worst mortgage portal I've been on was better than the best student loan one I saw. students are poors who are financially dumb at least some homeowners know how to handle finances and can afford lawyers if you gently caress up their debt service the quality probably reflects that power differential
|
|
#
¿
Jul 20, 2021 02:47
|
|
|
StormDrain posted:The vast majority of people using student loan websites are not students. ya ya, I know it drags on for years/decades. but it’s about their status when they begin using the site. and also partly a tongue in cheek joke on a dead comedy forum
|
|
#
¿
Jul 20, 2021 11:02
|
|
|
NomNomNom posted:Not that I'm looking to sell, but I've been really curious about those home buying services from redfin and zillow. Do they spruce things up in an attempt to flip it higher? yeah, reno and flip to whoever will buy it from their site. they actually prefer retail buyers because a lot of their revenue is from agent services, loan origination, etc. see page 16 of the Q2 letter here for mentions of renovation and a zillow offers gross profit breakdown on page 18: https://s24.q4cdn.com/723050407/files/doc_financials/2021/q2/Zillow-Q2%2721-Shareholder-Letter_Exhibit-99.3.pdf their 10-Q is here if you want all the gory details: https://s24.q4cdn.com/723050407/files/doc_financials/2021/q2/43b52a20-321a-402e-869b-be7d2754361e.pdf
|
|
#
¿
Aug 21, 2021 13:03
|
|
|
Sirotan posted:^^^thinking about it!! of course rates have gone up .1% since I locked mine in... “Post-close”? So what happens if they see something they don’t like post close? Sounds like a terrible situation waiting to happen. Is that at all routine?
|
|
#
¿
Aug 31, 2021 23:38
|
|
|
I mean, how many tools we talking here? a bunch of Craftsman stuff is "made in the USA" with "global materials" and under $100 example: https://www.craftsman.com/products/storage-garage/tool-storage/tool-boxes/cmst26320--26-in-pro-toolbox
|
|
#
¿
Nov 5, 2021 01:02
|
|
|
Armauk posted:From what I've found, their toolboxes are made either in China, Taiwan, and Mexico. Not what I'm looking for, unfortunately. ...did you click the link I provided? it very clearly states "made in the USA"
|
|
#
¿
Nov 5, 2021 13:39
|
|
|
NomNomNom posted:If you took exception to me saying you could chug distilled water, alright fine that's hyperbolic and you're weird if you like the taste. Home RO systems are fine and safe as a primary drinking source. yeah, you guys are kind of talking past each other. There are different types of distillation and RO setups for various lab, home, or industrial use. If you're regularly drinking gallons of ultrapure water from a several-stage RO system or decent distillation system, it's completely unwise. Your original post implied you could do that without worry, which is what the other guy responded to. But if you're having a glass of home-RO with other food/drink, it should be fine (esp. w/ softener installed). it's a different water story, but this reminds me of how earlier in the year a bunch of kids developed liver failure from drinking alkaline water: https://arstechnica.com/science/2021/03/complaints-mount-after-5-kids-suffer-liver-failure-linked-to-alkaline-water/ just keep your water sources boring, folks.
|
|
#
¿
Dec 23, 2021 15:03
|
|
|
clean out your dryer vent from connection to exterior?
|
|
#
¿
Aug 7, 2022 04:27
|
|
|
Hadlock posted:That's not how high efficiency driers work https://www.lg.com/us/support/video-tutorials/maintenance-laundry-dryer-CT10000011-1428690638456 “Get your dryer ducts cleaned annual to help maximize your dryer's performance”
|
|
#
¿
Aug 7, 2022 12:54
|
|
|
nwin posted:My dryer duct is completely clean and I have the same issues he mentioned with my new LG dryer. The moisture sensors and everything just kind of suck on the new units. that's fair, but lol at the concept of high efficiency dryers somehow removing the need to clean dryer ducts
|
|
#
¿
Aug 7, 2022 13:35
|
|
|
gp2k posted:House Ownership: When in doubt, have a few beers and just pull really hard current thread title is pretty good but I didn't follow the thermostat saga. you guys want this? is it time for a change?
|
|
#
¿
Dec 1, 2022 14:29
|
|
|
ooooooookay, I woke up to multiple reports about cop chat, let's move on.
|
|
#
¿
Mar 31, 2023 15:34
|
|
|
Motronic posted:Doorbell? Home Ownership: I’ve made all of these mistakes before
|
|
#
¿
Apr 1, 2023 22:10
|
|
|
hey home owners, the MARINE THREAD is ending its deployment to BFC at the end of the month: https://forums.somethingawful.com/showthread.php?threadid=3908783 please drop by and tell them about life living outside of barracks before they go!
|
|
#
¿
May 30, 2023 12:21
|
|
|
Tiny Timbs posted:What? lots of people only have threads bookmarked, but this thread lives in BFC. GiP has a gimmick going with the Marine thread travelling across subforums and it is about to depart BFC. I was drawing attention to that so that Goons Can Have Fun.
|
|
#
¿
May 30, 2023 22:37
|
|
|
are we sure that’s not a midjourney generated output
|
|
#
¿
Jun 9, 2023 13:04
|
|
|
|
| # ¿ May 15, 2024 10:03 |
|
|
|
|
#
¿
Jul 2, 2023 14:08
|
|
