Vamped Posted February 11, 2021 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
Poof Posted February 11, 2021 Posted February 11, 2021 arent houses really expensive right now? disclaimer idk really
Sawdamizer Posted February 11, 2021 Posted February 11, 2021 On 2/11/2021 at 3:38 AM, Poof said: arent houses really expensive right now? disclaimer idk really Expand No.
Sawdamizer Posted February 11, 2021 Posted February 11, 2021 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 Expand They aren't looking for the small purchases, only lien debts and typically stuff 3k and more... Underwriters are streamlining loans. 2
Vamped Posted February 11, 2021 Author Posted February 11, 2021 On 2/11/2021 at 3:36 AM, Raptorpat said: don't give in HOOOOOOLD Expand Dont ... buy the house?
Vamped Posted February 11, 2021 Author Posted February 11, 2021 On 2/11/2021 at 3:38 AM, Poof said: arent houses really expensive right now? disclaimer idk really Expand I feel like its cheaper than renting because rent is outrageous right now
Vamped Posted February 11, 2021 Author Posted February 11, 2021 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. Expand 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
Raptorpat Posted February 11, 2021 Posted February 11, 2021 On 2/11/2021 at 3:40 AM, Vamped said: Dont ... buy the house? Expand no i meant on spending but sawdy just said that don't matter so carry on
Poof Posted February 11, 2021 Posted February 11, 2021 On 2/11/2021 at 3:39 AM, Sawdamizer said: No. Expand Yes.
Poof Posted February 11, 2021 Posted February 11, 2021 On 2/11/2021 at 3:41 AM, Vamped said: I feel like its cheaper than renting because rent is outrageous right now Expand rent pretty cheap in the cities right now tho
Vamped Posted February 11, 2021 Author Posted February 11, 2021 On 2/11/2021 at 3:55 AM, Poof said: rent pretty cheap in the cities right now tho Expand 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
Vamped Posted February 11, 2021 Author Posted February 11, 2021 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 Expand 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
Still Me Posted February 11, 2021 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
Poof Posted February 11, 2021 Posted February 11, 2021 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 Expand 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 Posted February 11, 2021 Author Posted February 11, 2021 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 Expand 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
Vamped Posted February 11, 2021 Author Posted February 11, 2021 On 2/11/2021 at 3:58 AM, Lasty said: Just build one yourself... Expand Me living in a house that I build for myself 1 2
Lasty Posted February 11, 2021 Posted February 11, 2021 On 2/11/2021 at 4:47 AM, Vamped said: Me living in a house that I build for myself Expand You could build better than a trash can.
Doom Metal Alchemist Posted February 11, 2021 Posted February 11, 2021 I'm not sure why amazon purchases would be particularly noteworthy.
crackymckrackin Posted February 11, 2021 Posted February 11, 2021 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 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. 1
Vamped Posted February 11, 2021 Author Posted February 11, 2021 On 2/11/2021 at 2:01 PM, Doom Metal Alchemist said: I'm not sure why amazon purchases would be particularly noteworthy. Expand >.> just because there were a bunch of them
Vamped Posted February 11, 2021 Author Posted February 11, 2021 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. Expand 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 Posted February 11, 2021 Posted February 11, 2021 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. Expand 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
Sawdamizer Posted February 11, 2021 Posted February 11, 2021 Ooof... youre doing a USDA loan? Thats different... I may have missed that. 100% financing right?
Vamped Posted February 11, 2021 Author Posted February 11, 2021 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* Expand The wishy washy stuff makes me soo irritated 1
crackymckrackin Posted February 11, 2021 Posted February 11, 2021 On 2/11/2021 at 8:54 PM, Sawdamizer said: Ooof... youre doing a USDA loan? Thats different... I may have missed that. 100% financing right? Expand She switched to fha
Vamped Posted February 11, 2021 Author Posted February 11, 2021 On 2/11/2021 at 8:54 PM, Sawdamizer said: Ooof... youre doing a USDA loan? Thats different... I may have missed that. 100% financing right? Expand No Im not. I was considering it in the very beginning but now Im just doing a FHA loan
crackymckrackin Posted February 11, 2021 Posted February 11, 2021 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. Expand As low as interest rates are, you'd be crazy not to if you got something picked out. 1
Vamped Posted February 11, 2021 Author Posted February 11, 2021 On 2/11/2021 at 9:12 PM, crackymckrackin said: As low as interest rates are, you'd be crazy not to if you got something picked out. Expand I dont have a house picked out. I wanted to make sure I could get the loan first before I waste anybody's time
crackymckrackin Posted February 11, 2021 Posted February 11, 2021 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 Expand 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
Vamped Posted February 11, 2021 Author Posted February 11, 2021 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. Expand 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
Sawdamizer Posted February 11, 2021 Posted February 11, 2021 On 2/11/2021 at 9:40 PM, 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 Expand Don't forget a fat bag of coke
Doom Metal Alchemist Posted February 11, 2021 Posted February 11, 2021 On 2/11/2021 at 9:51 PM, Sawdamizer said: Don't forget a fat bag of coke Expand Coke comes in bottles and cans, not bags. Whoever heard of a bag of Coke? Reveal hidden contents Hyuck hyuck hyuck
resurrected Posted February 11, 2021 Posted February 11, 2021 Lightweight. I'm currently adulting on level 300. Seriously though, hope it goes well for you. 1
tsar4 Posted February 11, 2021 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.
Doom Metal Alchemist Posted February 11, 2021 Posted February 11, 2021 (edited) On 2/11/2021 at 10:12 PM, resurrected said: Lightweight. I'm currently adulting on level 300. Seriously though, hope it goes well for you. Expand I'm the super secret Super Mario Bros. glitch level. Reveal hidden contents Level -1. Edited February 11, 2021 by Doom Metal Alchemist
resurrected Posted February 11, 2021 Posted February 11, 2021 On 2/11/2021 at 10:13 PM, Doom Metal Alchemist said: I'm the super secret Super Mario Bros. glitch level. Reveal hidden contents Level -1. Expand That's hardcore, bro. Thoughts and prayers sent. 1
Vamped Posted February 12, 2021 Author Posted February 12, 2021 On 2/11/2021 at 9:51 PM, Sawdamizer said: Don't forget a fat bag of coke Expand I could probably spring for 1 marijuana. A single weed please 2
Vamped Posted February 12, 2021 Author Posted February 12, 2021 On 2/11/2021 at 10:12 PM, resurrected said: Lightweight. I'm currently adulting on level 300. Seriously though, hope it goes well for you. Expand Mowing my own lawn is 4
Vamped Posted February 12, 2021 Author Posted February 12, 2021 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. Expand I dont think I could handle more than 150,000 to be honest.
Doom Metal Alchemist Posted February 12, 2021 Posted February 12, 2021 On 2/12/2021 at 12:32 AM, Vamped said: Mowing my own lawn is 4 Expand If I get my way I'm just gonna have whatever that shit is that's used in domed football/baseball stadiums.
Vamped Posted February 12, 2021 Author Posted February 12, 2021 On 2/12/2021 at 12:34 AM, 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. Expand >.> I just intend to do it for a couple years then it becomes the miniature's problem 1
scoobdog Posted February 12, 2021 Posted February 12, 2021 On 2/12/2021 at 12:37 AM, Vamped said: >.> I just intend to do it for a couple years then it becomes the miniature's problem Expand It'll be all weeds by then. Trust me.
Doom Metal Alchemist Posted February 12, 2021 Posted February 12, 2021 On 2/12/2021 at 1:15 AM, scoobdog said: It'll be all weeds by then. Trust me. Expand Even better, the miniature gets to pull weeds.
scoobdog Posted February 12, 2021 Posted February 12, 2021 On 2/12/2021 at 4:51 AM, Doom Metal Alchemist said: Even better, the miniature gets to pull weeds. Expand You're not listening man. I said they're all weeds. Literally.
Doom Metal Alchemist Posted February 12, 2021 Posted February 12, 2021 On 2/12/2021 at 4:53 AM, scoobdog said: You're not listening man. I said they're all weeds. Literally. Expand Even better still. She can go scorched earth and then do what I said and just put fake turf down. 🤪
Doom Metal Alchemist Posted February 12, 2021 Posted February 12, 2021 On 2/12/2021 at 4:58 AM, scoobdog said: Fake turf looks like shit. Expand But it doesn't need mowing! 😁
Recommended Posts