Mortgage borker
2 months ago
Has anyone here used a mortgage borker? If so, what’s typical commission % you have to pay?
Thank you!
How to buy a new house.
It made me
a new person! 
"Gutwrenching fun, roller coaster, rewarding, fulfilling, back breaking, life changing, wallet depleting, hard work!"
How I did it: We bought our dream home!!! First, we got our house ready to sell, and sold it. This house we found close to the time we had our first offer on it. We were about to put an offer in on this house when everything on our first offer fell through just one hour before making an offer on this house. We cried. It was so hard, but we found out from the realtor that this home had a contingency offer on it, and if ours sold, we could bump it. We kept that thought alive.
A few weeks later, 2 offers came in on the same day...and we accepted one. That offer panned out, and we were able to bump the contingency offer on the dream home. The sellers were fantastic to negotiate with, but the process gut wrenching in this economy watching the market go up and down as you are trying to lock in a good 30 yr fixed loan. We ended up with a good rate, but had several other hurdles.....the appraisal on the dream home was a nightmare since the housing market had depreciated so much and they were having a hard time finding comparable homes. When all was said and done, our purchase price was UNDER the appraised value.
When we went to sign, we even had a computer glitch that prevented the title company from seeing the bank's information....but we ended up signing about 8pm...on time. We were so close to being "homeless" for a few days it was not funny, but we had two-day move.
Now I have boxes all over, so I need to set up some new goals. The neighborhood is like I moved to "Who-ville" from The Grinch....incredible neighborhood, full of kids...we were greeted with plates full of brownies, bags of apples, 3 teenage babysitting offers, welcome cards and the like. Completely opposite of our old neighborhood, and rare in these parts.
Lessons & tips: Don't settle for less. Find a goal and work towards it. Your environment CAN affect the way you behave, feel, and live.
For those of you still trying to either get out of your place or who don't quite like your place...don't ever rule out the possibility of a future new home. The house DOES make a difference. My stuff looked OK in the old house....it looks fantastic in the new house. Didn't think that would be the case....as usually you want to buy all new stuff. I don't think we will be needing much.
Map out your plan...get a storage unit, fill it, and learn everything you can about staging your home....declutter declutter declutter, and depersonalize. Accept every request for people to see your home, and have a backup plan ready in case it happens on a regular basis. Get in a morning routine and evening routine to maintain your "show home."
Resources: Storage unit
Liquor store boxes
Dr. Bronner's Magic Liquid Soap
Dyson Vacuum Cleaner
People doing this are also doing these things:
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cia007 is thankful!
#3 house is the charm!!!
3 months ago
The one with the garden I think is it!! I am in awe at how much this home has to offer…it is truly my “dream home” and I feel a bit undeserving. Hubby keeps reminding me it is in our price range, and we can still afford to keep son in private school….plus the location and nicety of the home would also potentially allow me to in the future teach piano or clarinet, and hubby use the laundry room as a dark room for his photography art. even has AC and a hot-tub. I’m sold.
cia007 is thankful!
Down to 3 houses.....
3 months ago
One has a great floor plan and a guest bedroom downstairs, is next door to some friends of ours, but has a smallish back yard and smallish living room, is on a main drag road through the neighborhood,
One has been sitting vacant for awhile and is move-in ready, in an upscale neighborhood and has had a huge price reduction, good floor plan, but has appliances that need updating, countertops that need updating, and backs to a water drainage basin (currently empty).
The third we are going to look at is also in an upscale neighborhood but appears to have similar floor plan to the other two, and a very large backyard (garden garden!!!)
Nice thing is it is a buyer’s market right now, and some of these homes have been reduced $60,000! We’ll see if we can find the right one!
Received an offer today
5 months ago
It was low. Low, low, low. And they wanted me to pay 3% of the closing costs. But they are first-time home buyers and I was told to expect that kind of thing in an offer. I counter-offered but now I’m regretting it. I think I need more money out of my house. I kind of want them to say no to my counter-offer. I think this current market it just strange and I don’t want to pass up anything…but…
House is on the market...
5 months ago
well, it will be on Tuesday. The realtor is coming out to take pictures. It is a very scary time and I keep second-guessing myself. I hope I’m making the right decision. I’m going to miss my little house.
the new house
6 months ago
i love my new place. Everyday we try a new park for the kids. It’s a fun adventure and I’m meeting some new people and making friends! It’s well worth all the stress it took moving.
Untitled
7 months ago
We want to relocate closer to my husband’s new job. We are hoping tp upgrade houses but have a lesser mortgage.
Untitled
7 months ago
I have so much on my plate right now. But, I’m determined to get out and start looking by this weekend. I’d like to move before school starts (like everyone else. lol)
