Bam

True, but most likely I'm going to have the seller pay, at least that's what I'm hoping. But $1900 is my good faith estimate, I'm not too worried.

I never said there was no closing costs, they've been estimated at $1900 on a $150k mortgage. It's Countrywide, which is another reason why I'm trying to close ASAP, lol.

I agree with both your points. I would love to get the lower rate, but as I've said, its a stretch. I don't see myself in this house a long time, I'd say 8-10 years MAX. Mainly I'm just putting money down to lower my payment. I calculated the difference on the rates on the same mortgage amount and over a 5 year span it'd cost me about $2000 I think, if I did it right. So it wasn't a bank breaker, but I agree, I'd rather pay cash for a house, lol. Secondly, that's the main reason I asked about the escrow, its sitting in a non-interest bearing account forever, whereas my savings account is over 5%, and every little bit helps. thanks for the thoughts.

probably his katana

Well that's actually why I took the hike in interest rate. I can still forego the PMI at the 15% down, and since I figured $20/month was less than the $100, it seemed like a good deal. thanks for the info, I figured it wasn't the end of the world to escrow.

Ok, so I got approved for a mortgage as I'm trying to buy a house, but I've got a few questions. Basically I'm doing a no doc/stated income loan, which all I had to give was my name/ss# and they ran my credit and I got approved. I got approved for more than enough @ 6.5%, no fees/points on a 30 year fixed rate with 20% down. First off, is this a good rate for my situation? Secondly, if I only put 15% down, I can get the same loan, just at 6.75% instead, which is about $20/month MORE on the payment, but it would allow me to still have some cash on hand vs. putting EVERY CENT I have down. Is this a good deal still? Lastly, I can ONLY avoid the escrow of taxes if I put the full 20% down, is it a huge deal to have the taxes escrowed? I hear people bitching and complaining about mortgage companies paying it late/wrong or whatnot, and I'd rather just save the $300+/- per month and pay it myself twice a year, I guess its not horrible, right? I just want some opinions on my rate/terms and how people do their taxes etc to make sure I'm not missing anything or being talked into something I should avoid. Any help appreciated.

damn, how many miles on the car? were/did you beat on the car or is this normal for hyundai's? that blows man, good luck getting it done asap.

is that feet per second?

a compaq from circuit city?

again...

Do we even have enough people signed up right now to make it?

read his posts, he answered it was a previous owner that did it.

did you delete all those in that pop up window? that's weird. that's all I've ever done when I had IE. now i have firefox and i just go to tools >clear private data, and its done.

try this start >control panel>internet options>delete (in the browsing history section)>(delete temp internet files and history). That should do it, you can delete all those if you'd like though.

are you using firefox or IE?

damn, why not....in

you know who you are

Really? I guess I'll look up the towing specs on it but the boat's every bit of 3 tons, + fuel/skis/cooler etc. Hmmm.

ditto. Well I haven't bought the house yet, but we're negotiating etc, but all the houses I've found have been through that site.

pics?

damn, just noticed it wasn't a v8, explains why there is no tow package on it, can't tow a boat/multiple waverunners, oh well, good luck selling, looks nice.

for sale? i've been looking for a cheap bike, otherwise, nice work.

Same thing happened with me, cept I had cold hard cash in hand, no dice. Oh well, fuck 'em. good luck though man, fucked up situation for sure.

http://www.realtor.com It's free and easy. I hate signing up for shit.

If that's what sex sounds like....then I've been doing it all wrong.