AngryBMW

Thank you Rocky and congratulations again! I know you went through some...pains to put it nicely with the previous attempt...but I am beyond happy I was able to help!! -Marc

You guys are awesome; thank you so much for the kind words! Being able to help friends and family is one of the best perks of my job. -Marc

Colin Beach - 937-524-9355 He has done a good bit of business for clients of mine and is highly recommended. Make sure you tell him Marc Stock referred you. Thanks! -Marc

This is a great house and a great location. If any of you would like to get a pre-qual for this purchase, feel free to call/email me. Also, I will not charge for an appraisal on this property. -Marc

We have jobs? Just listen to the POTUS! Our economy is THRIVING. Buy, buy, buy. -Marc

Thank you for the kind words and opportunity to work for you and your family! Looking forward to helping out with the next one -Marc

Call me. I can help with the vast majority of this for free and hook you up with the title company to save you cash. -Marc

As a proud Steeler fan, I will be the first to say I am happy they won and are moving forward but am not happy with how the game went. There were terrible officiating calls on both sides of the ball and intended malicious hits that should embarrass both teams. -Marc

Merry Christmas! -Marc

What a bunch of asshole kids for the father/grandfather to have to resort to such tactics! Well played grandpa, well played. -Marc

2k and you deliver to my office. -Marc

I'm going with scum like that has a penis tiny enough to just 'fall' in. Like, matchstick size. -Marc

Seems legit. -Marc

I'd suggest going to the Wine Bistro, or any decent wine shop really (Andersons included) and asking one of their experts if you don't really know what you're looking for. Or as said previously, ask your girlfriend to snap a few pics of what her mom already likes and get a little variety pack and a couple of glasses. Throw in a red or two for good measure. I'd also say that just because it is an expensive bottle does NOT mean it is an amazing wine. Wine is all about personal preference and one should never be judged for loving a $10 bottle. I am not a huge white wine fan but I will tell you I do prefer Oregon wines and have never had a bad drink from Erath. -Marc

I have seen the car a lot around town. My owner knows that owner pretty well from my understanding. Prick (my owner) won't bring it up from Cinci and take me for a ride though. Once I can get into his garage (museum really) in the spring I will post pics of all of his cool shit. It really is one of the best car collections in the world. -Marc

I still think it is a scam but as said previously, it is SUPER common in todays market. Below 4% is considered no issue so I would get a reading and make sure the system is doing its job. Ready to make an offer? -Marc

Not a stupid question at all. Depending on how the two parties have structured the deal, the person assuming the mortgage will inherit the equity in the property. To my knowledge, the only way for the person giving up the property to take/keep the available equity would be for the person assuming it to get a separate mortgage or pay cash for the equity. No lender that I know of will allow the amount of the mortgage to be higher than the amount owed. Yup! -Marc

Cool cool. I just checked with my FHA underwriter and it is 100% up to the individual loan servicer. Market pricing is lower than 4% today fyi. Good luck! Marc

99% of all FHA loans are assumable so I'm glad yours is. The person that wants to assume it will have to contact your loan servicer and ask what their steps are. Typically, they will want to do a full loan approval on that person as if they were purchasing it from you. So they will typically still need a down payment and need to credit/income qualify. What is your current rate? I would imagine that is what your 'buyer' is going for? -Marc

If it's still open...+1 -Marc

Shit...same basic answer as above. Definitely pro's and con's but not as simple as just signing a few forms and handing over the keys. Thanks! Marc

I have never personally assumed a mortgage...but would happily discuss the pro's and con's with you. My direct email is mstock@usavingsbank.com or my office line of 614-339-1206. As Joe said...why not simply obtain your own mortgage? I would guess that the loan you are considering assuming has a killer interest rate that cannot be matched today? I can tell you that it is not as simple as you may have been led to believe. You still have to fully qualify for the current mortgage with regard to income, assets and credit, and will of course still have assumption/closing costs to consider. Let me know how I may help. Ha, copy that! -Marc

It still scares me that you are considered a marksman... -Marc

Um...? You must be trolling just to troll now... -Marc