Vamped Posted February 11, 2021 Share Posted February 11, 2021 So Im looking at buying a house and I just had to submit a shit ton of documentation for preapproval and now Im thinking .... Theres a shit ton of purchases from Amazon and some stuff from LoveHoney on my bank statements 2 Link to comment Share on other sites More sharing options...
Raptorpat Posted February 11, 2021 Share Posted February 11, 2021 don't give in HOOOOOOLD Link to comment Share on other sites More sharing options...
Poof Posted February 11, 2021 Share Posted February 11, 2021 arent houses really expensive right now? disclaimer idk really Link to comment Share on other sites More sharing options...
Sawdamizer Posted February 11, 2021 Share Posted February 11, 2021 Just now, Poof said: arent houses really expensive right now? disclaimer idk really No. Link to comment Share on other sites More sharing options...
Sawdamizer Posted February 11, 2021 Share Posted February 11, 2021 3 minutes ago, Vamped said: So Im looking at buying a house and I just had to submit a shit ton of documentation for preapproval and now Im thinking .... Theres a shit ton of purchases from Amazon and some stuff from LoveHoney on my bank statements They aren't looking for the small purchases, only lien debts and typically stuff 3k and more... Underwriters are streamlining loans. 2 Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 3 minutes ago, Raptorpat said: don't give in HOOOOOOLD Dont ... buy the house? Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 2 minutes ago, Poof said: arent houses really expensive right now? disclaimer idk really I feel like its cheaper than renting because rent is outrageous right now Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 1 minute ago, Sawdamizer said: They aren't looking for the small purchases, only lien debts and typically stuff 3k and more... Underwriters are streamlining loans. Makes me feel a little bit better XD It still kinda feels like Im about to be examined. It reminds me of those weird minutes at the OBGYN where you're just kinda sitting there with your little paper blanket and no underwear on waiting for the doctor Link to comment Share on other sites More sharing options...
Raptorpat Posted February 11, 2021 Share Posted February 11, 2021 10 minutes ago, Vamped said: Dont ... buy the house? no i meant on spending but sawdy just said that don't matter so carry on Link to comment Share on other sites More sharing options...
Poof Posted February 11, 2021 Share Posted February 11, 2021 11 minutes ago, Sawdamizer said: No. Yes. Link to comment Share on other sites More sharing options...
Poof Posted February 11, 2021 Share Posted February 11, 2021 10 minutes ago, Vamped said: I feel like its cheaper than renting because rent is outrageous right now rent pretty cheap in the cities right now tho Link to comment Share on other sites More sharing options...
Lasty Posted February 11, 2021 Share Posted February 11, 2021 Just build one yourself... 1 Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 15 minutes ago, Poof said: rent pretty cheap in the cities right now tho Not this one ... well I mean unless you like living in terrible neighborhoods ... those apartments in the bad neighborhoods are pretty cheap. >.> but then I guess you pay in a higher chance of being shot on your way to the mailbox 1 Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 26 minutes ago, Raptorpat said: no i meant on spending but sawdy just said that don't matter so carry on Its too late to not spend now. Its already on my bank statements ... now I just wait to see if they think Im responsible enough ... or adult enough If not then I guess I replay adulting level 2 until I get enough experience 1 Link to comment Share on other sites More sharing options...
Still Me Posted February 11, 2021 Share Posted February 11, 2021 This one time I took a realistic flesh colored dong with me on a trip....and it dawned on me.... after they had taken my bags....they were going to x-ray my luggage and find my dick Link to comment Share on other sites More sharing options...
Poof Posted February 11, 2021 Share Posted February 11, 2021 15 minutes ago, Vamped said: Not this one ... well I mean unless you like living in terrible neighborhoods ... those apartments in the bad neighborhoods are pretty cheap. >.> but then I guess you pay in a higher chance of being shot on your way to the mailbox I mean across the board. Like a nice place in a nice neighborhood is way cheaper right now than 2019 bc everyone has run away to the suburbs and bought houses which is why I was under the impression it's currently a seller's market. Like there's actually apts in manhattan for 1500/month Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 9 minutes ago, Still Me said: This one time I took a realistic flesh colored dong with me on a trip....and it dawned on me.... after they had taken my bags....they were going to x-ray my luggage and find my dick Id feel bad about it if it was in a carry on bag because then they have to look me in the eye immediately after they see it. XD 1 Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 45 minutes ago, Lasty said: Just build one yourself... Me living in a house that I build for myself 1 2 Link to comment Share on other sites More sharing options...
Lasty Posted February 11, 2021 Share Posted February 11, 2021 10 minutes ago, Vamped said: Me living in a house that I build for myself You could build better than a trash can. Link to comment Share on other sites More sharing options...
Doom Metal Alchemist Posted February 11, 2021 Share Posted February 11, 2021 I'm not sure why amazon purchases would be particularly noteworthy. Link to comment Share on other sites More sharing options...
crackymckrackin Posted February 11, 2021 Share Posted February 11, 2021 14 hours ago, Vamped said: So Im looking at buying a house and I just had to submit a shit ton of documentation for preapproval and now Im thinking .... Theres a shit ton of purchases from Amazon and some stuff from LoveHoney on my bank statements They are really just looking for your debt to income, and job stability. Anything outside of those two things don't really phase them. They will do a credit pull to see if you have any liens or judgments against you. Those count as debt so, dti. 1 Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 6 hours ago, Doom Metal Alchemist said: I'm not sure why amazon purchases would be particularly noteworthy. >.> just because there were a bunch of them Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 2 hours ago, crackymckrackin said: They are really just looking for your debt to income, and job stability. Anything outside of those two things don't really phase them. They will do a credit pull to see if you have any liens or judgments against you. Those count as debt so, dti. I feel better about it, now Im just waiting to see if/when I can start looking for a realtor. >.> You know whats freaking me out now? My mom seemed like she was all onboard then last night as I was collecting my documentation she was all like ... are you sure you know what you're doing?! I dont think its a good idea to apply for a USDA loand and I was like well Im not doing that anymore then she was just like .... well you just need to wait until the times right. Link to comment Share on other sites More sharing options...
André Toulon Posted February 11, 2021 Share Posted February 11, 2021 2 minutes ago, Vamped said: You know whats freaking me out now? My mom seemed like she was all onboard then last night as I was collecting my documentation she was all like ... are you sure you know what you're doing?! I dont think its a good idea to apply for a USDA loand and I was like well Im not doing that anymore then she was just like .... well you just need to wait until the times right. That just textbook black mother shit. Support you and then when the iron is hot and you're about to get your brand, they're like "oh you sure you know what you're going" and you're like *meep* 1 Link to comment Share on other sites More sharing options...
Sawdamizer Posted February 11, 2021 Share Posted February 11, 2021 Ooof... youre doing a USDA loan? Thats different... I may have missed that. 100% financing right? Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 18 minutes ago, André Toulon said: That just textbook black mother shit. Support you and then when the iron is hot and you're about to get your brand, they're like "oh you sure you know what you're going" and you're like *meep* The wishy washy stuff makes me soo irritated 1 Link to comment Share on other sites More sharing options...
crackymckrackin Posted February 11, 2021 Share Posted February 11, 2021 14 minutes ago, Sawdamizer said: Ooof... youre doing a USDA loan? Thats different... I may have missed that. 100% financing right? She switched to fha Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 13 minutes ago, Sawdamizer said: Ooof... youre doing a USDA loan? Thats different... I may have missed that. 100% financing right? No Im not. I was considering it in the very beginning but now Im just doing a FHA loan Link to comment Share on other sites More sharing options...
crackymckrackin Posted February 11, 2021 Share Posted February 11, 2021 30 minutes ago, Vamped said: I feel better about it, now Im just waiting to see if/when I can start looking for a realtor. >.> You know whats freaking me out now? My mom seemed like she was all onboard then last night as I was collecting my documentation she was all like ... are you sure you know what you're doing?! I dont think its a good idea to apply for a USDA loand and I was like well Im not doing that anymore then she was just like .... well you just need to wait until the times right. As low as interest rates are, you'd be crazy not to if you got something picked out. 1 Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 1 minute ago, crackymckrackin said: As low as interest rates are, you'd be crazy not to if you got something picked out. I dont have a house picked out. I wanted to make sure I could get the loan first before I waste anybody's time Link to comment Share on other sites More sharing options...
crackymckrackin Posted February 11, 2021 Share Posted February 11, 2021 1 minute ago, Vamped said: I dont have a house picked out. I wanted to make sure I could get the loan first before I waste anybody's time Yes, do this. Once you get qualified you will have a price range to look for. Don't buy anything that will require a credit pull until after the house closes and then, be careful not to make any big purchases. 1 Link to comment Share on other sites More sharing options...
discolé monade Posted February 11, 2021 Share Posted February 11, 2021 good for you! 1 1 Link to comment Share on other sites More sharing options...
Vamped Posted February 11, 2021 Author Share Posted February 11, 2021 22 minutes ago, crackymckrackin said: Yes, do this. Once you get qualified you will have a price range to look for. Don't buy anything that will require a credit pull until after the house closes and then, be careful not to make any big purchases. The only thing I was potentially looking to buy after I officially have the keys to the house is furniture and probably a washer and dryer Link to comment Share on other sites More sharing options...
Sawdamizer Posted February 11, 2021 Share Posted February 11, 2021 11 minutes ago, Vamped said: The only thing I was potentially looking to buy after I officially have the keys to the house is furniture and probably a washer and dryer Don't forget a fat bag of coke Link to comment Share on other sites More sharing options...
Doom Metal Alchemist Posted February 11, 2021 Share Posted February 11, 2021 5 minutes ago, Sawdamizer said: Don't forget a fat bag of coke Coke comes in bottles and cans, not bags. Whoever heard of a bag of Coke? Spoiler Hyuck hyuck hyuck Link to comment Share on other sites More sharing options...
resurrected Posted February 11, 2021 Share Posted February 11, 2021 Lightweight. I'm currently adulting on level 300. Seriously though, hope it goes well for you. 1 Link to comment Share on other sites More sharing options...
tsar4 Posted February 11, 2021 Share Posted February 11, 2021 Just a warning - when I applied for pre-approval, I wasn't expecting more than $250K. When they did process the pre-approval, I asked how much (thinking they'd lowball me) I could get - I nearly choked when he said, "You're pre-approved for up to $475K". I told the guy there was no way I could afford to pay that back in one lifetime, he laughed and said that not many realize that & get themselves buried in debt. Also, if you've never gone through a closing, be prepared to sign your name so many times that eventually it will just be a couple straight lines. Link to comment Share on other sites More sharing options...
Doom Metal Alchemist Posted February 11, 2021 Share Posted February 11, 2021 (edited) 2 minutes ago, resurrected said: Lightweight. I'm currently adulting on level 300. Seriously though, hope it goes well for you. I'm the super secret Super Mario Bros. glitch level. Spoiler Level -1. Edited February 11, 2021 by Doom Metal Alchemist Link to comment Share on other sites More sharing options...
resurrected Posted February 11, 2021 Share Posted February 11, 2021 1 minute ago, Doom Metal Alchemist said: I'm the super secret Super Mario Bros. glitch level. Reveal hidden contents Level -1. That's hardcore, bro. Thoughts and prayers sent. 1 Link to comment Share on other sites More sharing options...
Vamped Posted February 12, 2021 Author Share Posted February 12, 2021 2 hours ago, Sawdamizer said: Don't forget a fat bag of coke I could probably spring for 1 marijuana. A single weed please 2 Link to comment Share on other sites More sharing options...
Vamped Posted February 12, 2021 Author Share Posted February 12, 2021 2 hours ago, resurrected said: Lightweight. I'm currently adulting on level 300. Seriously though, hope it goes well for you. Mowing my own lawn is 4 Link to comment Share on other sites More sharing options...
Vamped Posted February 12, 2021 Author Share Posted February 12, 2021 2 hours ago, tsar4 said: Just a warning - when I applied for pre-approval, I wasn't expecting more than $250K. When they did process the pre-approval, I asked how much (thinking they'd lowball me) I could get - I nearly choked when he said, "You're pre-approved for up to $475K". I told the guy there was no way I could afford to pay that back in one lifetime, he laughed and said that not many realize that & get themselves buried in debt. Also, if you've never gone through a closing, be prepared to sign your name so many times that eventually it will just be a couple straight lines. I dont think I could handle more than 150,000 to be honest. Link to comment Share on other sites More sharing options...
Doom Metal Alchemist Posted February 12, 2021 Share Posted February 12, 2021 1 minute ago, Vamped said: Mowing my own lawn is 4 If I get my way I'm just gonna have whatever that shit is that's used in domed football/baseball stadiums. Link to comment Share on other sites More sharing options...
Vamped Posted February 12, 2021 Author Share Posted February 12, 2021 1 minute ago, Doom Metal Alchemist said: If I get my way I'm just gonna have whatever that shit is that's used in domed football/baseball stadiums. >.> I just intend to do it for a couple years then it becomes the miniature's problem 1 Link to comment Share on other sites More sharing options...
scoobdog Posted February 12, 2021 Share Posted February 12, 2021 37 minutes ago, Vamped said: >.> I just intend to do it for a couple years then it becomes the miniature's problem It'll be all weeds by then. Trust me. Link to comment Share on other sites More sharing options...
Doom Metal Alchemist Posted February 12, 2021 Share Posted February 12, 2021 3 hours ago, scoobdog said: It'll be all weeds by then. Trust me. Even better, the miniature gets to pull weeds. Link to comment Share on other sites More sharing options...
scoobdog Posted February 12, 2021 Share Posted February 12, 2021 1 minute ago, Doom Metal Alchemist said: Even better, the miniature gets to pull weeds. You're not listening man. I said they're all weeds. Literally. Link to comment Share on other sites More sharing options...
Doom Metal Alchemist Posted February 12, 2021 Share Posted February 12, 2021 1 minute ago, scoobdog said: You're not listening man. I said they're all weeds. Literally. Even better still. She can go scorched earth and then do what I said and just put fake turf down. 🤪 Link to comment Share on other sites More sharing options...
scoobdog Posted February 12, 2021 Share Posted February 12, 2021 Fake turf looks like shit. Link to comment Share on other sites More sharing options...
Doom Metal Alchemist Posted February 12, 2021 Share Posted February 12, 2021 11 minutes ago, scoobdog said: Fake turf looks like shit. But it doesn't need mowing! 😁 Link to comment Share on other sites More sharing options...
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