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FINALLY..... I'm a home owner!

  1. #1
    Bikeless Prick
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    FINALLY..... I'm a home owner!

    After several months and one hell of a bad experience, we have a home.

    Our bank just called to tell us we were all approved, closing date will be scheduled shortly and will happen no later than 3/15!



    [Edited on 2/27/02 by nhroketboy]

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    Rich

  2. #2
    Freak Posting snowborder's Avatar
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    FINALLY..... I'm a home owner!

    Congratulations.... again.......

    anyway, I suggest not to celebrate until you have a key to the front door and you sign your life away a 100 times at an actual closing.

    Party at Rich's!

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  3. #3
    Lifer GadgettR1's Avatar
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    FINALLY..... I'm a home owner!

    So does that mean a house warming bike assembly party is in the mix?????

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  4. #4
    Kosher Assassin Stoneman's Avatar
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    FINALLY..... I'm a home owner!

    I'm not trying to be a dick, Rich. But don't count on that date. You'll be closing the week after that. Trust me, the headache's not over yet. But you're getting there...

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    Did you grit your teeth and try to look like Clint Fuckin' Eastwood?
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  5. #5
    Just Registered VinceF2's Avatar
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    FINALLY..... I'm a home owner!

    Good stuff Rich!!! Congrats!!

    Jen and I have just begun... got pre-approved the other day... starting to look... If you don't mind me asking... what was causing all the problems??? Is it something I can look forward to dealing with???

    Actually I'll post that out to everyone... any tips, tricks etc???

    My a$$ hurts already just talking with the mortgage people about closing costs etc!!!

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  6. #6
    Bikeless Prick
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    FINALLY..... I'm a home owner!

    If something happens with the closing now... well the term "postal" comes to mind.

    This is the second home we have tried to buy in the last few months. The first one was for sale by owner. I would NEVER do that again. Just one problem after another. I would suggest using an exclusive buyers agent.

    This one went a lot more smoothly. Just takes fookin forever.

    FYI- We are 1st time buyers in NH. We went through NH Housing, received a 4.1% grant that we applied to the purchase price of the home. Then we got the sellers to contribute to the closing costs. $150,000 home in Farmington, we will be writing 1 check for approx $3,000 and walking through the door. Not the best rate, 7.1% fixed for 30.... but we can refinance in a few years.

    There will be a party this summer... need to familiarize myself with the local LEO's first, find out who I need to pay off.

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    Rich

  7. #7
    Angry Gumball RandyO's Avatar
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    FINALLY..... I'm a home owner!

    So, Rich, where is this home in Farminton? When you movin in? at closing?

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    RandyO
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  8. #8
    Bikeless Prick
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    FINALLY..... I'm a home owner!

    On 153, right across from the country club... it's the blue colonial with the big oak tree in front. It used to have a "For Sale" sign on it... better have a "sold" sign now!

    We will be moving in as soon as we close which will hopefully be Monday/Tuesday. I'm still waiting for that call.

    Is this place close to yours?

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    Rich

  9. #9
    Kosher Assassin Stoneman's Avatar
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    FINALLY..... I'm a home owner!

    Again, I'm soooooooo NOT trying to sound like a dick here, Vince. But technically a 'pre-approval' don't mean squat. I don't know if you used a loan officer or dealt directly with a bank, but all that's based on is "what if's": what if the price is this, what if the interest rate is this, what if the term is this long, what if the property taxes are this, what if the insurance is this, and so on. Basically, it's only meant to give you and the financers an idea of what you MAY be able to afford...

    The three times I got "pre-approved", they had me in FOUR times the house I wanted or thought I could comfortably afford. Plus, by the time you actually find the house, agree on the price and close the sale, the pre-approval will be far outdated. Little hint? DON'T SIGN ANYTHING 'TIL YOU'RE READY TO CLOSE! That is of course, unless they require an 'Intent To Purchase' thingy from you...

    Wow! I guess I did kinda sound like a dick, eh?

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    Did you grit your teeth and try to look like Clint Fuckin' Eastwood?
    Or did you lisp it all hangfisted like a fuckin' flower?

  10. #10
    Bikeless Prick
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    FINALLY..... I'm a home owner!

    Jay, you're right on. I got preapproved from our bank... but only so that we had an idea of what we could afford. Then we only looked at houses that were a minimum of $25k less than they preapproved.

    They tout the preapproval as being so much better than a prequal... but I've not seen much of a difference, other than paying the fookin money for credit reports, etc...

    We just got our last call... EVERYTHING IS FINALIZED... waiting on the sellers to advise when they can move out... they have no later than 3/15 but should be able to be out earlier. Bank wants to close on Monday!!

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    Rich

  11. #11
    Angry Gumball RandyO's Avatar
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    FINALLY..... I'm a home owner!

    About 3 miles, I'm tryin to remember who has the blue house down there, it'll come to me next time I drive by, btw, the closest MC dealer is a Urinal/IMZ dealer withing walking distance from you

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    RandyO
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  12. #12
    Bikeless Prick
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    FINALLY..... I'm a home owner!

    I've already started to make nice with with guys over at Rochester Motorsports!

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    Rich

  13. #13
    Angry Gumball RandyO's Avatar
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    FINALLY..... I'm a home owner!

    Rochester MS is where I do my business, they have treated me real good, but why shouldn't they, I'm a once a month minimum regular customer.

    I only mentioned the Ural/IMZ guy cause I've heard he is a good machinest/fabricator, he works a regular day job in a machine shop and his dealership is open evenings & saturdays, I am told, if you need a special custom part machined, he can do it.


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    RandyO
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  14. #14
    Just Registered VinceF2's Avatar
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    FINALLY..... I'm a home owner!

    Well Stoneman... thanks for putting a damper on my home buying experience so soon... ya couldn't even let me think for a bit that we were on the right track... let me smile for a few days... no... you had to shoot YOUR GOD DAMN MOUTH OFF... ACT LIKE YOU KNOW F*CKING EVERYTHING...!!!

    Joking aside... I know that it isn't an iron clad thing... and yes they approved us for $50k more than I want to spend... we are looking bewtween $50 and $70k less than they told us... but it is a start... last year at this time we couldn't get pre-approved... were told to work on some things my wife forgot to tell me about... and try again... so we did... they now say our credit report is excellent etc etc....

    So... regardless it is a step in the right direction... I plan to use a buyers broker... and so on... we'll see how it goes...

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  15. #15
    Administrator Frankenstein's Avatar
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    FINALLY..... I'm a home owner!

    Please don't censor your swears, you fucking pussy.

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    -Josh || Forum Rules || Stop. Think. Post.

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  16. #16
    Just Registered VinceF2's Avatar
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    FINALLY..... I'm a home owner!

    My bad fucker...

    You can go fuck yourself now


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  17. #17
    Bikeless Prick
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    FINALLY..... I'm a home owner!

    Mike- are you guys looking in NH?

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    Rich

  18. #18
    Just Registered VinceF2's Avatar
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    FINALLY..... I'm a home owner!

    No... not NH... we live in Milford MA now... grew up here... I'd like to stay close to here if we can... mainly looking in Worcester County....

    This area isn't cheap... that's for sure... the farther west the better....

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  19. #19
    Kosher Assassin Stoneman's Avatar
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    FINALLY..... I'm a home owner!

    Well Stoneman... thanks for putting a damper on my home buying experience so soon... ya couldn't even let me think for a bit that we were on the right track... let me smile for a few days... no... you had to shoot YOUR GOD DAMN MOUTH OFF... ACT LIKE YOU KNOW F*CKING EVERYTHING...!!!
    Hey fuckface!!! You asked for tips, I just gave ya'll a heads up. Hee hee...I said 'head'...

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    Did you grit your teeth and try to look like Clint Fuckin' Eastwood?
    Or did you lisp it all hangfisted like a fuckin' flower?

  20. #20
    Administrator Frankenstein's Avatar
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    FINALLY..... I'm a home owner!

    My bad fucker...

    You can go fuck yourself now

    Yeah, that's better.

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    -Josh || Forum Rules || Stop. Think. Post.

    "I brap with a clear conscience." - nhbubba

  21. #21
    Member the Large AMan's Avatar
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    FINALLY..... I'm a home owner!

    Congratulations. How are things turning out now? Did everything go through ok?

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  22. #22
    Member the Large AMan's Avatar
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    FINALLY..... I'm a home owner!

    Please don't censor your swears, you fucking pussy.
    This board fucking ROCKS!!

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  23. #23
    Bikeless Prick
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    FINALLY..... I'm a home owner!

    Closing is Friday 10:30am. I'm holding my breath. Thanks for asking.

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    Rich

  24. #24
    Kosher Assassin Stoneman's Avatar
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    FINALLY..... I'm a home owner!

    Fuckin' sweet, mang!!! Can't wait to have more people around me to drink with!!!

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    Did you grit your teeth and try to look like Clint Fuckin' Eastwood?
    Or did you lisp it all hangfisted like a fuckin' flower?

  25. #25
    Bikeless Prick
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    FINALLY..... I'm a home owner!

    I'm not allowed to hang wid you. My chick says your a baaaaaddd influence. Just kidding. Although she was a little upset about a certain odor lingering from my clothes the other day... She was upset not about the scent, but that she wasn't invited along. Oh well, I had the munchies anyway so I made it up to her that way! :o

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    Rich

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