garbagepailcat Posted September 24, 2018 Share Posted September 24, 2018 Put in an offer on a house I really, really like. It’s close to the big city for work but not too far from family. It’s new and not falling to pieces (which pleases the husboy). So far we’ve had shit luck, so I’m not going to get my hopes up. But if y’all want to make a sacrifice to the realty gods or something, idk. It might help. I just want somewhere to live, y’all. It shouldn’t be this hard. Seller’s market. Blah blah. SELL ME A HOUSE. 2 Link to comment Share on other sites More sharing options...
fuggstop Posted September 24, 2018 Share Posted September 24, 2018 Good luck! Im the ancestor of voodoo witches...i shall call them forth for u..wait..u arent the descendant of slave owners..r u? Ah well . I shall still try! Link to comment Share on other sites More sharing options...
mthor Posted September 24, 2018 Share Posted September 24, 2018 1 hour ago, garbagepailcat said: Put in an offer on a house I really, really like. It’s close to the big city for work but not too far from family. It’s new and not falling to pieces (which pleases the husboy). So far we’ve had shit luck, so I’m not going to get my hopes up. But if y’all want to make a sacrifice to the realty gods or something, idk. It might help. I just want somewhere to live, y’all. It shouldn’t be this hard. Seller’s market. Blah blah. SELL ME A HOUSE. Google St Joseph If he can help people sell houses, maybe he can help you buy one Link to comment Share on other sites More sharing options...
Mini_ghost420 Posted September 24, 2018 Share Posted September 24, 2018 I will do a ritual so the hosing gods look upon you with favor 1 1 Link to comment Share on other sites More sharing options...
garbagepailcat Posted September 24, 2018 Author Share Posted September 24, 2018 1 hour ago, fuggstop said: Good luck! Im the ancestor of voodoo witches...i shall call them forth for u..wait..u arent the descendant of slave owners..r u? Ah well . I shall still try! Nah girl, I’m white trash, not southern aristocracy. Thanks for the voodoo. Link to comment Share on other sites More sharing options...
garbagepailcat Posted September 24, 2018 Author Share Posted September 24, 2018 36 minutes ago, mthor said: Google St Joseph If he can help people sell houses, maybe he can help you buy one Catholicism is so fucking weird. 2 Link to comment Share on other sites More sharing options...
fuggstop Posted September 24, 2018 Share Posted September 24, 2018 1 minute ago, garbagepailcat said: Nah girl, I’m white trash, not southern aristocracy. Thanks for the voodoo. You're welcome. I only do good voodoo because whatever you put out comes back 3 fold. I thank you for the opportunity! 2 Link to comment Share on other sites More sharing options...
Cau Posted September 24, 2018 Share Posted September 24, 2018 But what's in it for me? Link to comment Share on other sites More sharing options...
garbagepailcat Posted September 24, 2018 Author Share Posted September 24, 2018 (edited) @Cau, you can have a sweet place to stay in Georgia sometimes. Edited September 24, 2018 by garbagepailcat Link to comment Share on other sites More sharing options...
Cau Posted September 24, 2018 Share Posted September 24, 2018 I guess I can offer them my first born son or something. Just in case I somehow ever end up in Georgia again. Link to comment Share on other sites More sharing options...
garbagepailcat Posted September 25, 2018 Author Share Posted September 25, 2018 DIDNT GET IT 5 Link to comment Share on other sites More sharing options...
Mewn Posted September 25, 2018 Share Posted September 25, 2018 (edited) May ze harvest moon give joo a house! Good luck! Edit: awwww, just saw the didn't get it post. Should've danced nekkeh under the moon instead. Edited September 25, 2018 by Mewn Link to comment Share on other sites More sharing options...
garbagepailcat Posted October 4, 2018 Author Share Posted October 4, 2018 Found another house and made another offer. This is my last try. If we don’t get this one, I’m getting a fucking apartment. 2 Link to comment Share on other sites More sharing options...
Raptorpat Posted October 4, 2018 Share Posted October 4, 2018 good luck! 🏡 1 Link to comment Share on other sites More sharing options...
garbagepailcat Posted October 7, 2018 Author Share Posted October 7, 2018 DIDNT GET THIS ONE EITHER. it was on the market for 100+ days, and when we put in an offer, so did someone else. I hate this more than anything. 2 Link to comment Share on other sites More sharing options...
discolé monade Posted October 7, 2018 Share Posted October 7, 2018 5 minutes ago, garbagepailcat said: DIDNT GET THIS ONE EITHER. it was on the market for 100+ days, and when we put in an offer, so did someone else. I hate this more than anything. i know your pain. i currently lost a building to some straight up b.s. georgia, amirite?!?! 2 Link to comment Share on other sites More sharing options...
garbagepailcat Posted October 9, 2018 Author Share Posted October 9, 2018 HOLY SHIT. We got it! Now for inspections and more chaos. Hopefully the hard part is out of the way? Five acres of private land fuck me up fam I’m getting some goddamn goats 6 1 Link to comment Share on other sites More sharing options...
discolé monade Posted October 9, 2018 Share Posted October 9, 2018 33 minutes ago, garbagepailcat said: HOLY SHIT. We got it! Now for inspections and more chaos. Hopefully the hard part is out of the way? Five acres of private land fuck me up fam I’m getting some goddamn goats this is fantastic!!! congrats! 1 Link to comment Share on other sites More sharing options...
garbagepailcat Posted October 9, 2018 Author Share Posted October 9, 2018 Thanks, disco! I’m so happy that I cried! This is such a relief. It started to feel like it would never happen. Maybe your luck will turn and you’ll find a building soon! 1 Link to comment Share on other sites More sharing options...
discolé monade Posted October 9, 2018 Share Posted October 9, 2018 20 minutes ago, garbagepailcat said: Thanks, disco! I’m so happy that I cried! This is such a relief. It started to feel like it would never happen. Maybe your luck will turn and you’ll find a building soon! funny you say that. after the last couple weeks of my pity party, i went back to a second building today, to peek inside. the realtor only said it 'would need too much work' i'm calling b,s. eh...not about me. ABOUT YOU!!! and 5 acres is a lot of land. so much room for activities!! 1 1 Link to comment Share on other sites More sharing options...
Raptorpat Posted October 9, 2018 Share Posted October 9, 2018 On 10/7/2018 at 11:39 AM, garbagepailcat said: when we put in an offer, so did someone else. 4 hours ago, garbagepailcat said: HOLY SHIT. We got it! Now for inspections and more chaos. This happened to me too! When I bought this house last October, I originally got beat by a lower offer, but their bank didn't approve their mortgage loan because they messed up the paperwork so it fell through. Turned out it was someone else from the same realtor as the selling agent, and they were trying to keep it in-house and buy it on the cheap to flip it. But more importantly - Congrats! 1 1 Link to comment Share on other sites More sharing options...
Sawdamizer Posted October 9, 2018 Share Posted October 9, 2018 I ran a few mortgage teams, both sales and underwriting... If you have questions, I may be able to help. Good luck, and a good lender and realtor should make this painless. 1 Link to comment Share on other sites More sharing options...
Ginguy Posted October 10, 2018 Share Posted October 10, 2018 Congrats. Pay careful attention to the inspector's report, particularly regarding electrical and asbestos. Link to comment Share on other sites More sharing options...
garbagepailcat Posted October 24, 2018 Author Share Posted October 24, 2018 @Sawdamizer I have a question. Just to set up the situation, this is a conventional loan on a foreclosed house. Our lender is requiring repairs based on issues found in the appraisal (hvac, chipping paint, stained carpet, and some minuscule drywall repair). We have been told by our realtor to get some quotes for repairs and submit them to the bank that owns the house. Done. Just got them submitted today. What is the likelihood that the bank will make any repairs? Also, why is the lender requiring these repairs? They seem insignificant to us, and we had planned on fixing all of it once it was ours. Forgive me if all of this is stupid. I’m trying to figure out if this house is still a viable option, and it seems like the realtor and lender are too busy to explain anything thoroughly. Link to comment Share on other sites More sharing options...
Sawdamizer Posted October 24, 2018 Share Posted October 24, 2018 39 minutes ago, garbagepailcat said: @Sawdamizer I have a question. Just to set up the situation, this is a conventional loan on a foreclosed house. Our lender is requiring repairs based on issues found in the appraisal (hvac, chipping paint, stained carpet, and some minuscule drywall repair). We have been told by our realtor to get some quotes for repairs and submit them to the bank that owns the house. Done. Just got them submitted today. What is the likelihood that the bank will make any repairs? Also, why is the lender requiring these repairs? They seem insignificant to us, and we had planned on fixing all of it once it was ours. Forgive me if all of this is stupid. I’m trying to figure out if this house is still a viable option, and it seems like the realtor and lender are too busy to explain anything thoroughly. It's based upon overall risk appetite. Bank A owns the toxic debt, Bank B doesn't want to assume the debt without some conditions being met, if you defaulted they wouldn't want to be sitting on a property that is considered "under construction". It's a stipulation from the underwriter likely, and they are considered weighted stipulations. 1 Link to comment Share on other sites More sharing options...
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