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Old 05-06-2013, 10:48 AM  
El Jefe El Jefe is offline
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Housing market is down? LOL, yeah right.

All the realtors in our area keep saying its a buyers market right now, no freakin way. Looking at some houses/land in a couple different areas, bear in mind that these areas aren't the best areas. They are selling 2 acre plots for $75k, not bad huh, deed restriction madates the house must be 2500 square feet w/o the basement. The average cost of the houses going up by my grandpas house is 450k-500k. Who in the midwest can afford a 500k dollar house? Let alone a development of them.

So, if you go out into the country a little bit, acres are selling for 18-21k right now (undeveloped land), sweet sassy mollassy! Hows the market in your area?
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Old 05-06-2013, 11:36 AM   #31
BigRedChief BigRedChief is online now
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Originally Posted by Bearcat View Post
After submitting the info a couple of years ago, it made me wonder what was required back in the day.... a valid ID and a verbal promise to repay? It's a decent amount of paperwork up front, but it still only took maybe 30 minutes to find all of it (fortunately, most of it isn't more than a download away).


I've actually heard so many good things about the market around here, I've grown impatient after 2 weeks of having my house on the market. So, if anyone is looking to move to KC....
Here's an example.......
List of deposits into your accounts in the last 30 days. Reasonable and easy to get. Give them the bank statement.

But noooooo

We need to know who the deposited money was from and for what. Give them a description of where the money came from with deposit numbers/dates

But nooooooooo

We need photocopies of the actual deposits. Had to go to the bank and get them and then fax the copies of the actual deposits.

Then they were satisfied with that one piece of info.
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I believe Hitler hated Jews and had a lot of them killed. I dont believe it was anywhere close to 6 million though. I'm not an anti-semite; I just think that number has been severely inflated and there is a lot of evidence that supports this belief.
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Old 05-06-2013, 11:39 AM   #32
thecoffeeguy thecoffeeguy is offline
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So Cal? You got a million stashed away to buy a house?
I wish.
I'll sell my place for what I bought then get out of California ASAP.
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Old 05-06-2013, 11:44 AM   #33
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Quote:
Originally Posted by BigRedChief View Post
Here's an example.......
List of deposits into your accounts in the last 30 days. Reasonable and easy to get. Give them the bank statement.

But noooooo

We need to know who the deposited money was from and for what. Give them a description of where the money came from with deposit numbers/dates

But nooooooooo

We need photocopies of the actual deposits. Had to go to the bank and get them and then fax the copies of the actual deposits.

Then they were satisfied with that one piece of info.
Well, Florida is special.

I had a couple of decent deposits when I gave my lender a bank statement, and they never asked about them (even though they said all 'large' deposits would need to be explained). I do remember seeing a couple of other warnings like that, but didn't have to jump through any of those hoops.
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Old 05-06-2013, 11:53 AM   #34
mikeyis4dcats. mikeyis4dcats. is offline
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Quote:
Originally Posted by BigRedChief View Post
Here's an example.......
List of deposits into your accounts in the last 30 days. Reasonable and easy to get. Give them the bank statement.

But noooooo

We need to know who the deposited money was from and for what. Give them a description of where the money came from with deposit numbers/dates

But nooooooooo

We need photocopies of the actual deposits. Had to go to the bank and get them and then fax the copies of the actual deposits.

Then they were satisfied with that one piece of info.
can't blame them. People would deposit a huge chunk of cash ( loan from family/friend/etc., get the statement printed, then withdraw the money again. They were relying in good faith on the bank statement, and people were taking advantage.
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Old 05-06-2013, 12:00 PM   #35
El Jefe El Jefe is offline
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Quote:
Originally Posted by BigRedChief View Post
Here's an example.......
List of deposits into your accounts in the last 30 days. Reasonable and easy to get. Give them the bank statement.

But noooooo

We need to know who the deposited money was from and for what. Give them a description of where the money came from with deposit numbers/dates

But nooooooooo

We need photocopies of the actual deposits. Had to go to the bank and get them and then fax the copies of the actual deposits.

Then they were satisfied with that one piece of info.

Reading this is like Deja Vu, I had to do the same thing. Thank goodness my general bank (savings/checking) is awesome, they helped expedite everything.
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Old 05-06-2013, 12:28 PM   #36
doomy3 doomy3 is offline
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The market is ridiculously good right now.
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Old 05-06-2013, 12:29 PM   #37
BigRedChief BigRedChief is online now
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Quote:
Originally Posted by mikeyis4dcats. View Post
can't blame them. People would deposit a huge chunk of cash ( loan from family/friend/etc., get the statement printed, then withdraw the money again. They were relying in good faith on the bank statement, and people were taking advantage.
They ran my credit check again the day before closing to make sure nothing had changed. No way someone is going to pull one over on these guys again.

One good thing was this lender was running a special and we qualified for a program that the bank would pay $5,300 in closing costs. Never heard of that before. We were able to lower the purchase price by agreeing to pay all closing costs. We didn't pay anything and had $1000 to add to the escrow bill.
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Originally Posted by MTG#10 View Post
I believe Hitler hated Jews and had a lot of them killed. I dont believe it was anywhere close to 6 million though. I'm not an anti-semite; I just think that number has been severely inflated and there is a lot of evidence that supports this belief.
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Old 05-06-2013, 12:29 PM   #38
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The market is ridiculously good right now.
Good to hear. If KC is good, it will trickle down here.
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Old 05-06-2013, 12:32 PM   #39
doomy3 doomy3 is offline
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Good to hear. If KC is good, it will trickle down here.
I can't list stuff fast enough right now. Most things I am listing are selling within first week for full price.
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Old 05-06-2013, 12:34 PM   #40
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don't worry guys; I'll let you know when the maket will bouce back up to record highs; as soon as I'm ready to buy, is when it'll happen.
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Old 05-06-2013, 12:34 PM   #41
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The market is ridiculously good right now.
I was talking to a guy in Denver the other day, and he said that they had put offers down on four houses, three of which were on the day they saw them, and every time the house was already under contract. He's getting e-mails to go over and see houses the first day they're on the market and can't get in with an offer. Three of the houses got full price cash offers and the fourth got an offer for $25,000 over the asking price.
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Old 05-06-2013, 12:38 PM   #42
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I can't list stuff fast enough right now. Most things I am listing are selling within first week for full price.
Hopefully the same thing is happening in St. Louis, Des Moines and Omaha. If that's the case, then this summer will explode down.
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Old 05-06-2013, 12:43 PM   #43
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On a related note, I never know how to respond to my property tax assessed value. It went up a lot this year. Yay! But wait. That means I have to pay more taxes. For a couple of years it went down a lot. Boo. But Wait. My taxes are lower. So I just stand there like that Vietnam flashback dog, not knowing what to do.
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Old 05-06-2013, 12:48 PM   #44
BigRedChief BigRedChief is online now
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On a related note, I never know how to respond to my property tax assessed value. It went up a lot this year. Yay! But wait. That means I have to pay more taxes. For a couple of years it went down a lot. Boo. But Wait. My taxes are lower. So I just stand there like that Vietnam flashback dog, not knowing what to do.
Down here its a big deal. There is no state tax. So they get you everywhere else.

Identical one block or sometimes one house over can increase or decrease the tax bill by 10% - 50% down here. It really has no rhyme or reason to it. Frustrates the home owners down here.
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I believe Hitler hated Jews and had a lot of them killed. I dont believe it was anywhere close to 6 million though. I'm not an anti-semite; I just think that number has been severely inflated and there is a lot of evidence that supports this belief.
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Old 05-06-2013, 12:52 PM   #45
doomy3 doomy3 is offline
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I was talking to a guy in Denver the other day, and he said that they had put offers down on four houses, three of which were on the day they saw them, and every time the house was already under contract. He's getting e-mails to go over and see houses the first day they're on the market and can't get in with an offer. Three of the houses got full price cash offers and the fourth got an offer for $25,000 over the asking price.
Yep, this kind of thing is very common right now. It's crazy.
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