Thursday things

[wedding]

I went for my route can and didn’t need one. I really didn’t think my tooth was cracked so I’m happy it wasn’t. Now I don’t trust my regular dentist to read xrays well so I think I’m going to find a new one. I am apparently grinding my teeth badly, which is the cause of the sensitivity/minor pain so I got a mouth guard.

[inthekitty]

Feb 28, 2019 12:43:20 GMT -6 wedding said:

Feb 28, 2019 12:16:25 GMT -6 cagoldi said:

You know me so well! Sounds like a blast. Hope you enjoy your trip!

Anybody want to do one in Denver?

I will look like a damn fool since I have zero flexibility and coordination but I would be up for doing one as a group of people are into it. Sounds fun!

This is me too. Plus my large rack and ass makes it difficult for me to do things that involve supporting my body weight on a pole. But I'm up for an adventure.


ETA: I'm actually very flexible. Like you could make inappropriate jokes about me.  But not graceful in the slightest. At all. 

[cagoldi]

That’s great news, wedding!

[Sunny41]

Feb 28, 2019 12:46:05 GMT -6 lahdeedah said:

Feb 28, 2019 11:59:47 GMT -6 Sunny41 said:

Is there a particular hazard that is optional like flood? I can't imagine hazard insurance for fire and storms is optional when you have a mortgage. But you will usually pay it as part of the escrow/mortgage payments along with property (house) tax as 1 payment. not sure if that was your question. but definitely ask the realtor and the mortgage company for clarifications. Some insurances in our area only require flood insurance if you are in a flood plane (there is a map defining this). We also have mine subsidance coverage because we are close to old underground mine networks.

Yeah when he was explaining what our monthly would be, he had hazard in there and said it was optional but he recommends we get it and all his family has it for their mortgage.

I googled to understand more about it and it said it’s usually covered under homeowner’s insurance, but my paperwork has it as a different payment than HOI.

Just trying to figure it all out before it comes time to make offers and what not.

They are just estimates now and you don't lock in an insurance rate and company until you close so you can shop around once you have a house under contract. So much about the specific house will determine the rate that you don't need to worry about it now but know that the # might change slightly. Like a security system would make the plan cheaper

[mwhip]

Feb 28, 2019 11:31:44 GMT -6 lahdeedah said:

Hi!

Not much going on for me today at work. I’m just trying to think about some questions I have for the realtor today. She and MH are going look at a few houses and are supposed to FaceTime me. It’s later this afternoon. I hope there is a winner in there somewhere.

Question for you girls- do you have hazard insurance included with homeowners? Looking at some paperwork the mortgage lender gave me and I saw that he has it included with the mortgage payment, but he said it was optional.

This buying a house crap is not my cup of tea. Too much adulting. Renting is so much easier... at the moment I don’t have the brain capacity to take in all the info that comes along with this. Between work and the kids at night, my brain is fried.

I sent my mom a text to see what she says, since she sells real estate, maybe she knows?  If she doesn't, I have a friend who works in insurance, so I'll ask her.  I know nothing of this.

I'm talking to 3 mortgage companies about a ReFi, so I get you on this shit...it's exhausting.

[Sunny41]

Feb 28, 2019 12:46:05 GMT -6 lahdeedah said:

Feb 28, 2019 11:59:47 GMT -6 Sunny41 said:

Is there a particular hazard that is optional like flood? I can't imagine hazard insurance for fire and storms is optional when you have a mortgage. But you will usually pay it as part of the escrow/mortgage payments along with property (house) tax as 1 payment. not sure if that was your question. but definitely ask the realtor and the mortgage company for clarifications. Some insurances in our area only require flood insurance if you are in a flood plane (there is a map defining this). We also have mine subsidance coverage because we are close to old underground mine networks.

Yeah when he was explaining what our monthly would be, he had hazard in there and said it was optional but he recommends we get it and all his family has it for their mortgage.

I googled to understand more about it and it said it’s usually covered under homeowner’s insurance, but my paperwork has it as a different payment than HOI.

Just trying to figure it all out before it comes time to make offers and what not.

Also you don't have to lock in with 1 mortgage until after you offer. Just have pre-approval from one. You can shop around after your offer has been accepted. Rates fluctuate and you don't want today's rate if you won't close for 2 months. We were under contract for 6 months and the broker we went with kept paying to lock in a super low rate for us. Really it just came out of their commission. Also the broker does searching to find you the best deal he can offer through his/her company

The big thing is to know your budget and the estimated insurance and taxes. And you don't need to go with the high range they approve you for

[lahdeedah]

Feb 28, 2019 12:55:26 GMT -6 Sunny41 said:

Feb 28, 2019 12:46:05 GMT -6 lahdeedah said:

Yeah when he was explaining what our monthly would be, he had hazard in there and said it was optional but he recommends we get it and all his family has it for their mortgage.

I googled to understand more about it and it said it’s usually covered under homeowner’s insurance, but my paperwork has it as a different payment than HOI.

Just trying to figure it all out before it comes time to make offers and what not.

They are just estimates now and you don't lock in an insurance rate and company until you close so you can shop around once you have a house under contract. So much about the specific house will determine the rate that you don't need to worry about it now but know that the # might change slightly. Like a security system would make the plan cheaper

This helps a lot. Thanks.

[lahdeedah]

Feb 28, 2019 13:02:20 GMT -6 Sunny41 said:

Feb 28, 2019 12:46:05 GMT -6 lahdeedah said:

Yeah when he was explaining what our monthly would be, he had hazard in there and said it was optional but he recommends we get it and all his family has it for their mortgage.

I googled to understand more about it and it said it’s usually covered under homeowner’s insurance, but my paperwork has it as a different payment than HOI.

Just trying to figure it all out before it comes time to make offers and what not.

Also you don't have to lock in with 1 mortgage until after you offer. Just have pre-approval from one. You can shop around after your offer has been accepted. Rates fluctuate and you don't want today's rate if you won't close for 2 months. We were under contract for 6 months and the broker we went with kept paying to lock in a super low rate for us. Really it just came out of their commission. Also the broker does searching to find you the best deal he can offer through his/her company

The big thing is to know your budget and the estimated insurance and taxes. And you don't need to go with the high range they approve you for

This really helps. I had planned to asked the realtor just this question. We are talking to two lenders and I didn’t know if I get the letter from one of we had to go with that one. I got a breakdown of costs at price points in our “range” from one and was trying to get one from the other, but he didn’t give me anything physical, so I didn’t know how I would go about figuring out which lender to go with.

Thank you for breaking this down for me. Man I feel like I need to go to a class to know what I’m doing here.

[tallb]

Feb 28, 2019 13:32:42 GMT -6 lahdeedah said:

Feb 28, 2019 13:02:20 GMT -6 Sunny41 said:

Also you don't have to lock in with 1 mortgage until after you offer. Just have pre-approval from one. You can shop around after your offer has been accepted. Rates fluctuate and you don't want today's rate if you won't close for 2 months. We were under contract for 6 months and the broker we went with kept paying to lock in a super low rate for us. Really it just came out of their commission. Also the broker does searching to find you the best deal he can offer through his/her company

The big thing is to know your budget and the estimated insurance and taxes. And you don't need to go with the high range they approve you for

This really helps. I had planned to asked the realtor just this question. We are talking to two lenders and I didn’t know if I get the letter from one of we had to go with that one. I got a breakdown of costs at price points in our “range” from one and was trying to get one from the other, but he didn’t give me anything physical, so I didn’t know how I would go about figuring out which lender to go with.

Thank you for breaking this down for me. Man I feel like I need to go to a class to know what I’m doing here.

Depending on the market, you may not be able switch lenders after your contract is accepted. I thought I would do that and my realtor kind of freaked. The listing agent apparently recommended our offer bc he liked our lender better. We prob could have found a lower rate but may not have gotten our house🤷. We had a competing offer though, so could def vary by region. I'd talk to your agent if you have to go with the one that submits pre-approval. Did you find one or just getting ready?

[flamingo]

lahdeedah yes, I agree with Sunny41. We got our initial pre-approval from USAA (who we bank with) but ended up getting our loan with BB&T thru a broker our agent recommended. We met with her after day 1 of house hunting and she was able to look at various rates and really hone in on the best option. Trying to recall but I believe she pre-approved us as well. The next day we found *the house* so we were ready to go. Not only did she get us a better rate, but I liked having that local person to lean on since we were looking to close quickly. It was nice having a specific person you could call and not be farmed out to a call center if an issue arose.

[cagoldi]

Feb 28, 2019 12:51:40 GMT -6 inthekitty said:

Feb 28, 2019 12:43:20 GMT -6 wedding said:

I will look like a damn fool since I have zero flexibility and coordination but I would be up for doing one as a group of people are into it. Sounds fun!

This is me too. Plus my large rack and ass makes it difficult for me to do things that involve supporting my body weight on a pole. But I'm up for an adventure.

Yay! I’m so excited.

Large ass + rack = more to shake

[tgrimes]

I just got to work. H had an immunologist appt at 11 and then my MIL met me at my house so I could get here.

We'll be starting a weekly antibiotic for 6 months in hopes of preventing some of these infections. If it doesn't help, the dr will do more in depth labs and more allergy testing.

[mwhip]

tgrimes I'm glad you have a plan and hope it offers some help for H!

lahdeedah So I don't know if I got any information that will help...my mom said hazardous is the same as HOI, but could vary by state and clearly she wouldn't know your state. My friend who works for an insurance company said some lenders do it because they have friends in insurance that give them a kickback. You can find your own policy, as long as the home is insured for enough. Do you have any friends who live in the state your moving to that could recommend and insurance company to contact directly? I'm glad you brought it up though, it reminded me that I had been meaning to contact her to have her price our home and auto insurance and make sure we aren't overpaying.

[flamingo]

I hope the preventative antibiotic will do the trick tgrimes!

[klong11]

PSA: Daylight savings or whatever is March 10th. This is the bitch one where you tell your kids that it's bedtime and they are all "eff that, I still have an hour of awake time on my body clock."

ETA: changed it to the correct date

[tallb]

Feb 28, 2019 14:14:12 GMT -6 klong11 said:

PSA: Daylight savings or whatever is March 17th. This is the bitch one where you tell your kids that it's bedtime and they are all "eff that, I still have an hour of awake time on my body clock."

I will do anything for an extra hour of daylight at night. Counting down the minutes to be able to hang out at night outside. Watch my kids be extra horrible this year with it now that I said it, ha.

[lahdeedah]

Feb 28, 2019 13:41:26 GMT -6 tallb said:

Feb 28, 2019 13:32:42 GMT -6 lahdeedah said:

This really helps. I had planned to asked the realtor just this question. We are talking to two lenders and I didn’t know if I get the letter from one of we had to go with that one. I got a breakdown of costs at price points in our “range” from one and was trying to get one from the other, but he didn’t give me anything physical, so I didn’t know how I would go about figuring out which lender to go with.

Thank you for breaking this down for me. Man I feel like I need to go to a class to know what I’m doing here.

Depending on the market, you may not be able switch lenders after your contract is accepted. I thought I would do that and my realtor kind of freaked. The listing agent apparently recommended our offer bc he liked our lender better. We prob could have found a lower rate but may not have gotten our house🤷. We had a competing offer though, so could def vary by region. I'd talk to your agent if you have to go with the one that submits pre-approval. Did you find one or just getting ready?

Just getting ready. I want to be ready because we are only seeing new houses that pop up on the market, so we may have to move quickly if we find something we like.

[cagoldi]

Hoping that the antibiotics keep some of H’s infections from recurring, tgrimes.

[lahdeedah]

Feb 28, 2019 13:43:37 GMT -6 flamingo said:

lahdeedah yes, I agree with Sunny41. We got our initial pre-approval from USAA (who we bank with) but ended up getting our loan with BB&T thru a broker our agent recommended. We met with her after day 1 of house hunting and she was able to look at various rates and really hone in on the best option. Trying to recall but I believe she pre-approved us as well. The next day we found *the house* so we were ready to go. Not only did she get us a better rate, but I liked having that local person to lean on since we were looking to close quickly. It was nice having a specific person you could call and not be farmed out to a call center if an issue arose.

Yeah, in this Realtor’s first email to us she recommended two brokers to us and I’ve been in contact with both and we are approved by both. I want to see the other guys numbers before I make a choice. Having a detailed print out of closing costs and fees and estimated monthly payments helps me a lot.

[lahdeedah]

Feb 28, 2019 14:06:50 GMT -6 mwhip said:

tgrimes I'm glad you have a plan and hope it offers some help for H!

lahdeedah So I don't know if I got any information that will help...my mom said hazardous is the same as HOI, but could vary by state and clearly she wouldn't know your state. My friend who works for an insurance company said some lenders do it because they have friends in insurance that give them a kickback. You can find your own policy, as long as the home is insured for enough. Do you have any friends who live in the state your moving to that could recommend and insurance company to contact directly? I'm glad you brought it up though, it reminded me that I had been meaning to contact her to have her price our home and auto insurance and make sure we aren't overpaying.

I planned to ask our realtor. She is lovely and has a contacts for everything. She really is wonderful.

[flamingo]

DH has B outside playing and texted me to look up portable basketball hoops. I was hoping we could hold off til we get back to FL (one more large awkward thing to move ) but he has really taken to b-ball and I do think a hoop would be fun. They might be making a WalMart/Dick's run here shortly, lol.

[flamingo]

Feb 28, 2019 14:47:21 GMT -6 lahdeedah said:

Feb 28, 2019 14:06:50 GMT -6 mwhip said:

tgrimes I'm glad you have a plan and hope it offers some help for H!

lahdeedah So I don't know if I got any information that will help...my mom said hazardous is the same as HOI, but could vary by state and clearly she wouldn't know your state. My friend who works for an insurance company said some lenders do it because they have friends in insurance that give them a kickback. You can find your own policy, as long as the home is insured for enough. Do you have any friends who live in the state your moving to that could recommend and insurance company to contact directly? I'm glad you brought it up though, it reminded me that I had been meaning to contact her to have her price our home and auto insurance and make sure we aren't overpaying.

I planned to ask our realtor. She is lovely and has a contacts for everything. She really is wonderful.

Sounds like you found the Mississippi version of ours, after all- ha! Glad you are happy with her  

[lahdeedah]

Annnnnd we have a house that we will probably put an offer on. Holy shit. They still have 3 more to see first, though.

[inthekitty]

Wahoo lahdeedah! Good luck. I hate that kind of formal adult stuff like house buying. It's that kind of stuff that after going to school for a million years I think "why didn't I learn anything practical like this?"


I posted a link on GD about horrible real estate photos FYE. There are some real treasures.


Ugh to DST. I wish they'd just leave it as it is. My state may be voting against it. Fingers crossed. I remember when I was in school it was always during some crappy time like finals week when I needed every minute of the weekend and losing an hour was critical.

[lahdeedah]

My calendar says DST is March 10th. When I saw 17th I thought, wait I have to wait an extra week this year??? Lol

[klong11]

Feb 28, 2019 14:58:01 GMT -6 lahdeedah said:

My calendar says DST is March 10th. When I saw 17th I thought, wait I have to wait an extra week this year??? Lol

You are correct. I made a typo.

[vino]

Hopefully the meds help H tgrimes

Good luck lahdeedah, that's exciting!

[lahdeedah]

Well, we have another contender. It’s tricky because this house is one Mh found and is For sale by owner. She took a job out of state, but has only lived in the house for a little over a year and has no equity. My realtor thinks she is way overpriced and doesn’t have much room to negotiate, but really likes the house for us and wants me to come to town to see these two. She thinks this house is better for us, but if the seller isn’t going to budge, I don’t want to waste my time and lose the other house. I don’t know what to do. My ILs will be in town tonight so I could leave by myself first thing Saturday morning and be back home that evening.

I really don’t want to, but I trust her and if she thinks I need to come see them to make a decision, this is the best weekend to do it since I have help.

Gah Adulting is really kicking my butt. 😩😩

[guster]

We just had to call the state trooper to come over and check the house bc we saw footprints leading to different doors. He said they track all the way around the house, but saw no forced entry or damage anywhere. I’m hoping it was something innocent like a utility worker, but of course my mind is in overdrive. Currently looking at cameras and motion sensors!

[inthekitty]

guster eek! I hope it was nothing nefarious.