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Vamped

By Vamped
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Vamped Monster Mutant

Vamped

Posted
Posted

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 

AnchoredWelldocumentedHorseshoebat-size_

  • Haha 2
Sawdamizer Monster Mutant

Sawdamizer

Posted
Posted
  On 2/11/2021 at 3:35 AM, 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 

AnchoredWelldocumentedHorseshoebat-size_

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They aren't looking for the small purchases, only lien debts and typically stuff 3k and more...

Underwriters are streamlining loans.

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Vamped Monster Mutant

Vamped

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  On 2/11/2021 at 3:40 AM, Sawdamizer said:

They aren't looking for the small purchases, only lien debts and typically stuff 3k and more...

Underwriters are streamlining loans.

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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 

Vamped Monster Mutant

Vamped

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  On 2/11/2021 at 3:55 AM, Poof said:

rent pretty cheap in the cities right now tho

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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

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Vamped Monster Mutant

Vamped

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  On 2/11/2021 at 3:51 AM, Raptorpat said:

no i meant on spending

but sawdy just said that don't matter so carry on

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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 

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Still Me Monster Mutant

Still Me

Posted
Posted

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

Poof Monster Mutant

Poof

Posted
Posted
  On 2/11/2021 at 4:15 AM, 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

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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

Vamped Monster Mutant

Vamped

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  On 2/11/2021 at 4:32 AM, 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

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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

 

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crackymckrackin Luminary

crackymckrackin

Posted
Posted
  On 2/11/2021 at 3:35 AM, 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 

AnchoredWelldocumentedHorseshoebat-size_

Expand  

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.

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Vamped Monster Mutant

Vamped

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  On 2/11/2021 at 6:33 PM, 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.

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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.

 

André Toulon Monster Mutant

André Toulon

Posted
Posted
  On 2/11/2021 at 8:40 PM, 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.

 

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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*

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Vamped Monster Mutant

Vamped

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  On 2/11/2021 at 8:45 PM, 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*

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The wishy washy stuff makes me soo irritated 

tenor.gif

  • Like 1
crackymckrackin Luminary

crackymckrackin

Posted
Posted
  On 2/11/2021 at 8:40 PM, 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.

 

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As low as interest rates are, you'd be crazy not to if you got something picked out. 

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crackymckrackin Luminary

crackymckrackin

Posted
Posted
  On 2/11/2021 at 9:13 PM, 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

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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. 

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Vamped Monster Mutant

Vamped

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  On 2/11/2021 at 9:17 PM, 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. 

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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

tsar4 Monster Mutant

tsar4

Posted
Posted

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. 

Vamped Monster Mutant

Vamped

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  On 2/11/2021 at 10:13 PM, 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. 

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I dont think I could handle more than 150,000 to be honest. 

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