2.625% on a refi

Yes, I did see those. It’s heartbreaking and I hope we get as many people out as we possibly can.

He’s not sending troops to save Afghanistan. He’s sending troops to evacuate those who helped us and other refugees and then they are leaving. We can’t “save Afghanistan” when they won’t try to save themselves. Their government jumped ship after a week and their military leaders made deals with the Taliban to stand down rather than fight.

No…the Afghan government and army handed Afghanistan to the Taliban.

Your plan assumes the Afghanistan army will fall. If we remove civilians and hardware and support, we guarantee that they will fail. That’s what people are trying to tell you. The intention was obviously not to try to evacuate the country in 6 days because (I assume) the thinking was that the hundreds of thousands of well equipped remaining soldiers would fight back.

Best bet is getting into tax, financial reporting or technical accounting. Those roles typically pay more.

A tub in the house for kids and pets, yes, a tub in the master? Not something I cared about or wanted. It’s just more to clean.

Tub in the master bath.

Just FYI, with these, you sometimes can hear people going up and down the stairs and noise when they are on the second floor and you’re on the first.

It sounds like you’re describing the appraisal review waiver as the poster above you mentioned. They typically have you sign that right away so that if the appraisal comes in late, it doesn’t hold up closing. You’re legally required to have a certain amount of time before closing to review it, unless you waive that.

Yeah, David Weekly does nice houses, but that’s not going to be anywhere near the same price point…at least not where I live.

If you look at the house on the realtor app (and probably the web site), it’ll give you an estimate down at the bottom for your monthly payment. You can adjust the inputs to match your rate and insurance.

I don’t think that’s always true. Mine got hit twice for getting checks from two mortgage lenders within a week.

Isn’t Hawaii typically in the 70s and 80s year round? I think SoCal can get 100+ degree days in the summer, so no matter how much shade you have, that sounds miserable.

Yes, but your home won’t close for months. Hopefully prices will continue to rise and it won’t be an issue. My house appraised for $5k over when I closed in April. The same floor plan had been selling for significantly less last summer but the market had increased enough by the time I closed that it was fine.

I signed a contract last November on my house. The same floor plan is now selling for over $100k more. The houses you are seeing close right now were agreed on 6+ months ago.

They have probably sold their current place, or ended their lease and have packed up their lives. Where would they go? IMO, unless you were offering a crazy amount of money, it wouldn’t be worth it.

I’m sorry you lost out, but there will be other places for you to love and buy. It doesn’t make sense for you to throw an obscene amount of money at them to try to get it.

5% for the stress and expense of moving, the fees and potential taxes they’d have to pay from selling so quickly? No way.

No one can really answer that question. Property values tend to go up over time, but typically not as fast as they have been recently. There may be a bit of a bust in the next few years or maybe the hikes will just slow. I don’t see it appreciating this crazily long term.

As a side note, maybe the investigation on why it was moved will end up keeping it in Colorado. ;)

You likely have multiple hard checks on your credit now, I’m guessing the personal loan one just hasn’t shown up yet. Companies pulling your credit have to get your permission for that, did you give it to the personal loan lender?

Also, just a general note, I’d really think about if buying a house is the best choice for you. With 0% down, $7k in credit card debt that you consolidated into a loan instead of paying off, and the need to take on more debt to cover your appraisal gap (home lender might not be crazy about that), are you comfortable that you have the reserves built up if something goes wrong in your house?

In my case, I didn’t have one readily available and wasn’t going to pay to have one done. There was a video tour, which I feel like gives a good sense of the layout.

First off, please get help. Second, if you are able to find a new job that is in the same industry and pays the same (or similar) to your current role, I don’t see why they’d have an issue with that. Are they actually making you sign something saying you won’t change jobs? That seems weird.

LVP, way more durable!

If you have an HOA, make sure you pay attention to how many months the title company is prepaying for you. Make sure you’ve gotten all utilities set up and confirm with the title company that they’ve set up utilities that you aren’t able to (I.e. usually water). Don’t lose the payment stubs they give you because they’ll likely sell your loan but you might not get clear instructions on how to pay the new lender before your first payment is due. They won’t charge you interest or penalties on any late payments or payments sent to the original lender within 60 days of loan transfer, but still good to have.

Not on the finance/closing side, but get temporary blinds ASAP! They sell them pretty cheap at Home Depot and Lowe’s and they are a must until you get a chance to buy curtains/permanent blinds.

If they consider it the same industry, all you need is the offer letter. I wouldn’t lie about keeping your current job as they will likely call and confirm your employment (and potentially confirm your employer does not expect that employment to change in the immediate future) right before you close.

That’s why I included the comparison from 2015 to 2020 as well.