What Made you Smile/What Ticked you off Today?

[elmagicochrisg]

Smiled - Have a dozen solid looking houses lined up for us to go through

I seem to remember that you put in an offer on a short-sale. What happened with that one?

Bank went with first offer, even though their offer was 6k less. Our agent thinks it was a person who either works at the bank or is friends with their shortsale agent, since they got the paperwork going within minutes of it being on the market and the offer and counter offer happened the same day. She said we could have an investigation done, but it could take two years and then we still might not get the house. So we just let it go.

Banks are scum. After the court seized my apartment 4 years ago it was publicaly -not really- auctioned. I bought it for €80.000 five years ago. They sold it a few months ago for €42.000 to the same bank where I had a €55.000 loan for said apartment.

They were the 'only' bidders...

This means the bank got the apartment for peanuts, and I still have to pay them €13.000 + interest + whatever 'justifiable' costs they come up with...

Do you really think the bank was the only bidder and noone tried to bid more than €42.000?...

And then the court wants me to behave and be a good citizen?...

Fuck all them hypocrites...

[MrPopo]

<snip>

And suddenly your general demenor makes a WHOLE lot more sense.

[fastbilly1]

<snip>

And suddenly your general demenor makes a WHOLE lot more sense.

Yeah. Oh man, thats a terrible situation. I will be content with our tiny house until we get a real one and wont bitch about it again.

[elmagicochrisg]

<snip>

And suddenly your general demenor makes a WHOLE lot more sense.

Yeah. Oh man, thats a terrible situation. I will be content with our tiny house until we get a real one and wont bitch about it again.

You guys know nothing...

This one here, that's the one that killed it for me...



That's the transfer form for €290,000 they sent me for my fine...

Which basically means this: I'm fucked.

[dsheinem]

What did you do to get the fine? I forget. Wasn't it drug dealing or some such?

Was this a risk you knew you were taking?

[MrPopo]

Smile: Was talking with the loan officer at Chase since I'm looking into refinancing, with the caveat that I might be moving in a few years. We ran the numbers and I can get my loan for 1% lower than I currently am without purchasing points and hit a break even in 11 months. So now I'm going to set up some time with the bank I currently have my mortgage with and see if they can do any better.

[stickem]

What did you do to get the fine? I forget. Wasn't it drug dealing or some such?

Was this a risk you knew you were taking?

where do you get fined for being a dope man?

[AppleQueso]

What did you do to get the fine? I forget. Wasn't it drug dealing or some such?

Was this a risk you knew you were taking?

where do you get fined for being a dope man?

in No Government Country

[stickem]

What did you do to get the fine? I forget. Wasn't it drug dealing or some such?

Was this a risk you knew you were taking?

where do you get fined for being a dope man?

in No Government Country

i gues so,lol, wherever that is.

[gtmtnbiker]

Smile: Was talking with the loan officer at Chase since I'm looking into refinancing, with the caveat that I might be moving in a few years. We ran the numbers and I can get my loan for 1% lower than I currently am without purchasing points and hit a break even in 11 months. So now I'm going to set up some time with the bank I currently have my mortgage with and see if they can do any better.

You should contact a mortgage broker and ask about no-points, no closing costs 15 or 30 year loan. I find they always do better than a bank at getting the lowest interest rate. I've refinance every year for the past 4-5 years and am going through another one now.

If you're going to be moving, then go with a 3/1 or 5/1 ARM for the lowest possible rate.