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07-02-2011, 02:57 PM | #2 |
MVP
Join Date: Oct 2006
Location: West of the Equator
Casino cash: $1869901
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Posts: 13,617
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07-02-2011, 03:59 PM | #3 |
Custom User Title
Join Date: Jan 2007
Casino cash: $1836563
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Whilst building your home, you have: Questioned the credentials of the builder for wanting to put heating registers in the floors, think someone is over-charging for installing water heater, and now say your mortgage company is lying to you. You sound like a dream to work for.
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Posts: 39,180
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07-02-2011, 04:16 PM | #4 | |
GBM 8-12-15
Join Date: Aug 2000
Location: Dayton, Oh.
Casino cash: $10052154
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Posts: 59,997
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07-02-2011, 04:33 PM | #5 |
On my throne
Join Date: Aug 2000
Location: Kansas City, MO
Casino cash: $8172060
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When I bought my condo I switched mortgage companies 2 days before closing but that was before the real estate crises.
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Posts: 4,179
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07-02-2011, 06:09 PM | #6 |
Chiefs Goon
Join Date: Aug 2000
Location: Center Ice
Casino cash: $10008350
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It's your money, dude.
Screw any mortgage company's disappointment or hurt feelings.
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We must sacrifice the one they call "True Fan." |
Posts: 1,497
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07-02-2011, 08:01 PM | #7 | |
Scott Pioli
Join Date: Jan 2001
Location: The Copacobana
Casino cash: $9373645
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Quote:
You sound like complete sucker. So when you want to start letting me spend your money, you can tell me how to spend mine. And just so I can laugh at how naive you are, the HVAC guy was 4 grand over quote compared to 2 others who gave me quotes, the builder agreed to put returns in the ceiling, and the mortgage company has told me 3 different stories 3 different times I've talked to them about what to pay off, what to put in for the appraiser and now want my builder to submit tax documentation. Sorry for asking questions about the biggest purchase I'll ever make.
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Last edited by The Bad Guy; 07-02-2011 at 08:06 PM.. |
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Posts: 23,212
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07-02-2011, 08:07 PM | #8 | |
Scott Pioli
Join Date: Jan 2001
Location: The Copacobana
Casino cash: $9373645
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What I care about is getting the same story from the people involved in the process and securing the lowest rate I can.
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Posts: 23,212
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07-02-2011, 09:49 PM | #9 |
GBM 8-12-15
Join Date: Aug 2000
Location: Dayton, Oh.
Casino cash: $10052154
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I wouldnt think its much different than a mortgage company selling your loan to another finance company.
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Posts: 59,997
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07-03-2011, 12:15 AM | #10 | |
Scott Pioli
Join Date: Jan 2001
Location: The Copacobana
Casino cash: $9373645
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Quote:
I'm just on a time crunch right now because the contract for the land states it has to be paid out by the last week in July. I'm going to meet with another bank on Tuesday to see about the process with them and how long it could take should I elect to back out of the deal.
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07-03-2011, 01:10 AM | #11 |
stax of wax
Join Date: Feb 2004
Casino cash: $10004900
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You're the one responsible for the payments, no one else. Mortgage companys should be fighting for your business. You have to do what's right for you, screw them. It's not personal it's business... take care of your business by doing what's best for you, period.
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Posts: 34,865
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07-03-2011, 05:13 AM | #12 |
Can these boys not play?
Join Date: Apr 2001
Location: Northcentral Florida
Casino cash: $7702956
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And, just having another check on your credit shouldn't hurt you that much. Especially if it is for the same type of mortgage as another bank. So, I wouldn't stay away from that just based on having another credit check.
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- Mark |
Posts: 4,597
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07-03-2011, 06:53 AM | #13 |
Starter
Join Date: Oct 2007
Casino cash: $9944965
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I would definitely look into switching. I would caution that if you do not have great credit it could cause you some headaches. I recently went through a refinance and switched companies. The extra credit checks dropped my total score by 30 points. So if you are on the brink of good vs. great credit it could affect you.
The banks are very leery to loan any money right now. Ang |
Posts: 773
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07-03-2011, 07:16 AM | #14 |
The Collective Unconscious
Join Date: Sep 2005
Location: The OP
Casino cash: $9520422
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If you can afford to spend all the extra time doing all the paperwork and jumping through all the hoops again, I would say do it. I will caution you that all banks are a pain in the ass to some degree, especially when it comes to closing mortgages nowadays. If you're not dealing with small bank issues, you'll soon be dealing with big bank issues.
I had to close my mortgage last year because my "specialist" went on vacation and "forgot" to assign my file to someone else. I had to tell the movers to turn around when they were halfway to my new house. Then they had to put all my stuff back into storage. On that note, **** you Bank of America. |
Posts: 10,425
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07-03-2011, 07:55 AM | #15 | |
Scott Pioli
Join Date: Jan 2001
Location: The Copacobana
Casino cash: $9373645
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Quote:
I'm just going to go talk to them on Tuesday and see what their speech is and how long the process can drag out.
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