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Old 04-19-2019, 01:58 PM  
luv luv is offline
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Finally officially house hunting!
Lending secured. Just have to find a house. With our wants/needs in the price point we're in, they're going like hotcakes. Anyway, super excited, so I just had to share!

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UPDATE: Closing on a home on June 10th!
Last edited by luv; 05-13-2019 at 03:55 PM..
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Old 04-22-2019, 10:07 PM   #61
Rain Man Rain Man is offline
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Always ask if the house is in a lava flow zone. I saw this on a show about buying houses in Hawaii, but it seems like a good idea anywhere.
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Old 04-22-2019, 11:15 PM   #62
Bugeater Bugeater is offline
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Originally Posted by Rain Man View Post
Always ask if the house is in a lava flow zone. I saw this on a show about buying houses in Hawaii, but it seems like a good idea anywhere.
SHIT I KNEW I WAS FORGETTING SOMETHING
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Old 04-23-2019, 07:26 AM   #63
tmax63 tmax63 is offline
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I have the "big 3" home, auto and life insurance. Since when did people get to the point where they need insurance to pay for anything else? I'm my own insurance company when it comes to that. Take the money you'd pay them and pay yourself. If you can't afford to buy a repair/replacement of something don't buy it. Pet health insurance, pleeeeaaaase. My pets are my family but if one of them gets sick/injured to the point of thousands of dollars then it's time to go to sleep, mourn and save another from the pound/adoption center. And trust me, Murphy is my bestest buddy.
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Old 04-23-2019, 08:01 AM   #64
lewdog lewdog is offline
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Originally Posted by tmax63 View Post
I have the "big 3" home, auto and life insurance. Since when did people get to the point where they need insurance to pay for anything else? I'm my own insurance company when it comes to that. Take the money you'd pay them and pay yourself. If you can't afford to buy a repair/replacement of something don't buy it. Pet health insurance, pleeeeaaaase. My pets are my family but if one of them gets sick/injured to the point of thousands of dollars then it's time to go to sleep, mourn and save another from the pound/adoption center. And trust me, Murphy is my bestest buddy.
This exactly.

Perfect post. The other “insurances” are usually wasted money in most scenarios.
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Old 04-23-2019, 08:20 AM   #65
Oxford Oxford is offline
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[QUOTE=luv;14215231]Lending secured. Just have to find a house. With our wants/needs in the price point we're in, they're going like hotcakes. Anyway, super excited, so I just had to share!
/QUOTE]

What are you looking for? Price point? Willing to do the sweat equity? Where in SGF?
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Old 04-23-2019, 09:08 PM   #66
cooper barrett cooper barrett is offline
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1st time as a home buyer is a great time to prove your naive as **** to all the hawks that want your money.

Find your own FSBO and make a deal, call attorney/ title ins co, tell them to make it ready for closing. If you need money call Capitol Federal, if you need 2nd tier financing it's still easy. just more costly.

Done
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Old 04-23-2019, 09:34 PM   #67
Bugeater Bugeater is offline
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Quote:
Originally Posted by tmax63 View Post
I have the "big 3" home, auto and life insurance. Since when did people get to the point where they need insurance to pay for anything else? I'm my own insurance company when it comes to that. Take the money you'd pay them and pay yourself. If you can't afford to buy a repair/replacement of something don't buy it. Pet health insurance, pleeeeaaaase. My pets are my family but if one of them gets sick/injured to the point of thousands of dollars then it's time to go to sleep, mourn and save another from the pound/adoption center. And trust me, Murphy is my bestest buddy.
No health insurance?
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Old 04-23-2019, 10:27 PM   #68
cooper barrett cooper barrett is offline
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If it were not for insurance costs, we could all live better lives...

Just the poor paying the rich so they won't become poor.

Must have

Auto Insurance
Homeowners/Renters Insurance
Umbrella Policy
Health Insurance
Long-Term Disability Insurance
Term Life Insurance
Long-Term Care Insurance
Identity Theft Protection

depending on/ should have
home warranty
flood
earthquake
GAP
sickness
injury
cancer
disability (long and short term) total
vision
Loss of Value Insurance
Body Part Insurance (think Tina's legs of Fabio's hair)
Change of Heart Clay will be buying this if it ever gets to that point
Multiple Birth Insurance
Kidnapping and Ransom Insurance


Where does the house/ car payment fall in???


Kidnapping and Ransom Insurance In case a group of key employees win the lotto and quit their jobs!!! No hit, it's a thing

Maybe are out there to buy
How is one to live a good life if the things that can hurt him most are not covered?/


Marriage insurance must be a loser.
sex on the third date insurance? not going to happen.
partner not faking orgasm coverage??? ya right
College acceptance insurance. It's a new thing.
Hair follicle retention insurance
bolt on/ face lift
Internet truth in context coverage
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Old 05-13-2019, 03:55 PM   #69
luv luv is offline
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Quote:
Originally Posted by Oxford View Post
What are you looking for? Price point? Willing to do the sweat equity? Where in SGF?
Well, we actually ended up in Clever. It will be a bit of a commute, but it had everything we were looking for. Nothing major came up during the inspection, but there was a small list of repairs we wanted made, and she agreed to do them. Appraisal came back good, so we're all set for closing on June 10th. Super excited!
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Old 05-13-2019, 04:09 PM   #70
scho63 scho63 is offline
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Well, we actually ended up in Clever. It will be a bit of a commute, but it had everything we were looking for. Nothing major came up during the inspection, but there was a small list of repairs we wanted made, and she agreed to do them. Appraisal came back good, so we're all set for closing on June 10th. Super excited!
Congratulations and where the **** is Clever???
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Old 05-13-2019, 04:11 PM   #71
chinaski chinaski is offline
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Congratulations on your new home!

Houses are a major pain in the ass, but at least it's yours.
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Old 05-13-2019, 04:15 PM   #72
cooper barrett cooper barrett is offline
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Originally Posted by luv View Post
Well, we actually ended up in Clever. It will be a bit of a commute, but it had everything we were looking for. Nothing major came up during the inspection, but there was a small list of repairs we wanted made, and she agreed to do them. Appraisal came back good, so we're all set for closing on June 10th. Super excited!
There is no way to get to Springfield from there, at least in a straight line
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Old 05-13-2019, 07:08 PM   #73
Rain Man Rain Man is offline
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It sounds like you're making a Clever move.
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Old 05-13-2019, 07:19 PM   #74
Oxford Oxford is offline
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Originally Posted by luv View Post
Well, we actually ended up in Clever. It will be a bit of a commute, but it had everything we were looking for. Nothing major came up during the inspection, but there was a small list of repairs we wanted made, and she agreed to do them. Appraisal came back good, so we're all set for closing on June 10th. Super excited!
Congratulations. Friend of mine has a daughter that teaches there. Don't get down that way much. Welcome to the money pit club
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Old 05-13-2019, 07:21 PM   #75
Oxford Oxford is offline
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Congratulations and where the **** is Clever???
People who live there ask that too! (I kid). South of Republic, MO and southwest of Springfield, MO.
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Oxford has just been standing around suckin' on a big ol' chili dog.Oxford has just been standing around suckin' on a big ol' chili dog.Oxford has just been standing around suckin' on a big ol' chili dog.Oxford has just been standing around suckin' on a big ol' chili dog.Oxford has just been standing around suckin' on a big ol' chili dog.Oxford has just been standing around suckin' on a big ol' chili dog.Oxford has just been standing around suckin' on a big ol' chili dog.Oxford has just been standing around suckin' on a big ol' chili dog.Oxford has just been standing around suckin' on a big ol' chili dog.Oxford has just been standing around suckin' on a big ol' chili dog.Oxford has just been standing around suckin' on a big ol' chili dog.
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