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RE: Home purchase-mistakes and shrewd moves - 3/3/2007 7:03:49 AM

KatyLied

Posts: 13029
Joined: 2/24/2005
From: Pennsylvania
Status: offline

I was impressed that the guy nailed where I was from, even though I was living halfway across the country. He said he often used that tactic when trying to find out where people are from, I guess it's a hobby for him.

Hugs back at ya.

_____________________________

“If you want to live a happy life, tie it to a goal, not to people or things.”
- Albert Einstein

(in reply to pahunkboy)

Post #: 101

RE: Home purchase-mistakes and shrewd moves - 3/3/2007 7:39:18 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

in PA there are 3 accents. Delware valley, [philly/delaware]
Susquehanna valley, [central pa, much of Maryland]
and Pitt region. [???]

(in reply to KatyLied)

Post #: 102

RE: Home purchase-mistakes and shrewd moves - 3/3/2007 7:44:38 AM

KatyLied

Posts: 13029
Joined: 2/24/2005
From: Pennsylvania
Status: offline

Yes, western PA, and Pittsburgh in particular have a yinzer accent.

_____________________________

“If you want to live a happy life, tie it to a goal, not to people or things.”
- Albert Einstein

(in reply to pahunkboy)

Post #: 103

RE: Home purchase-mistakes and shrewd moves - 3/5/2007 2:05:48 PM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

Update: monday. Went to realtor in AM, signed papers- then snapped pics of bldg, then stopped for insurance quotes, then had pics developed. fricken 3 xp computers and it is a major ordeal to scan pics!!! lady w truck never called. mom found a condo - placed an offer- so we wait.

I been running fast for many days. They finally took the dumpster.

Also= dropped off "not guilty" plea for my ticket.

phewwwwwwwwwwwwwwwwww.

(in reply to KatyLied)

Post #: 104

RE: Home purchase-mistakes and shrewd moves - 3/8/2007 5:04:55 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

Angry and simmering ! The new landlord called. He said he was ill hence his delay with HUD papers- he then went on to say;

I am to take a shovel and scoop up all dog poop from sheba. Hell NO. 1. he has 2 dogs. 2. dogs poop- thats what they do.
3. Wait till he sees the yesderyear horse and buggies pass by. [and they do] S000 pretty! Gobs of piles of horse shtt on the street!! Drive a freshly washed car thru it. See how nice it is.

each day i can walk is a blessing. one more disk and i am in a wheel chair.

My reply to him was "yes sir" "I understand sir".

When I got home- I phoned the bank to check on my mortgage process. asked if there is ANYTHING I need to do. Seems not- as we await the adendumn being signed from the forelcure holding co..

--Since we are bitching an moaning- sidewalks are to be shovelled 12 inches wide w/i 12 hours of 1 in of more of snow. His place is not shovelled- nor is mine.

Guess when he moves in dog will poop in my garage- the one he plans to convert into a 2nd unit.

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Post #: 105

RE: Home purchase-mistakes and shrewd moves - 3/8/2007 5:10:17 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

PS- I dont plan on signing ANYTHING rentwise. Nor do I plan to pay anything. He mislead-lied to obtain this place.

His personality type is the type- that no matter what I do- it wont be enuff. Therefore- I will be civil-polite.

But in terms of cash and jumping thru hoops- I need that energy for the new place/mortgage.

So I might be a squater. ???

Anyhow- I go this AM to a branch of habitat- per the new property.

(in reply to pahunkboy)

Post #: 106

RE: Home purchase-mistakes and shrewd moves - 3/8/2007 11:26:33 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

went to a helping hand organization. my impression is too much red tape. also- they want a body in the store- not someone to teach adults how to read and write, or teach computer skills. They wont do anything until habitat for humanity officially; cant do abc. Well- I dont have that kind of time. Knowing this- I picked out expensive stuff. couch, bed, 4 dressers, kitchin contounter/sink cab unit, a granite sink, and granit double sink, to be delieverred. items cost $313.00. Delievery will be another $90.00.

popped into realtor, the forclosure place is fed exing the contract. once it arrrives I can begin finishing the mortgage.

meanwhile- im washing up drapes mom gave me. and trying to keep ball rolling.

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Post #: 107

RE: Home purchase-mistakes and shrewd moves - 3/9/2007 12:23:29 PM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

Today- I went to chiropractor. I received a needed form for the mortgage in mail. So I dropped of forms and rent reciepts for my file. Supposedly the final contract is coming fed ex. well it isnt here yet. ouch.

I been washing up moms old curtains as I will have plenty of curtains.

Yesdearday- I spent @ $500.00 on furnishings and materials at thrift store- they will deliver- for @ $90.00.

among itmes, gas furnace for trailer. [zoned heating, im thinking] 65$

kitchen sing w top and cabinets. 55$

comfy couch $60

2 top of the line queen beds. $80

4 very nice dressers, $100

bathroom sink vanity- $60
granit sink, $8

granit double sink for master br $18

Rangs hood/fan - newish $10

pella small window $20

(in reply to KatyLied)

Post #: 108

RE: Home purchase-mistakes and shrewd moves - 3/9/2007 12:26:18 PM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

part 2; anyhow- I have maybe 12 rooms to furnish.

i want NICE stuff- tho. the men will carry it in and place it where i ask them too.

(in reply to pahunkboy)

Post #: 109

RE: Home purchase-mistakes and shrewd moves - 3/9/2007 2:30:15 PM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

pics of new house

http://health.groups.yahoo.com/group/hopeisontheway/

http://health.ph.groups.yahoo.com/group/hopeisontheway/photos

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Post #: 110

RE: Home purchase-mistakes and shrewd moves - 3/10/2007 8:00:36 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

http://sunsetcliff.googlepages.com/sunn <--better pics

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Post #: 111

RE: Home purchase-mistakes and shrewd moves - 3/10/2007 8:15:20 AM

defiantbadgirl

Posts: 2988
Joined: 11/14/2005
Status: offline

One of the worst things a person can do is go through dealer financing on a new mobile or modular home. A few years ago, I was looking at a new mobile home that cost $25,000. When I asked about financing, the dealer offered a 30 year loan. The total price going through their financing (on the 30 year loan) was over $80,000.

(in reply to pahunkboy)

Post #: 112

RE: Home purchase-mistakes and shrewd moves - 3/10/2007 8:20:17 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

Defiant- for sure. They make alot of cash off of those. Anyhow- I plan to restore its original glory- blended with high teck./post modern. The 2nd floors have post car views of the Susquehanna river, nothing can be built to obstruct my views. It is also zoned r2. which means I can run a biz out of it. OH- come with mineral rights too- a huge plus!!!!!!!

(in reply to defiantbadgirl)

Post #: 113

RE: Home purchase-mistakes and shrewd moves - 3/12/2007 10:49:25 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

blacked out due in part to exhuastion. Nothing much happens on a monday right? thow in y2k per cell phones and i know calls messenges did not tabulate. I am giving myelf perssission to just hang out today. i have developed a nasty cough. maybe the missing messages will appear. friends who know me- know i have bouts of pain. if i dont take calls 2 days in a row- dont worry till day # 3. simply put- i been running too hard to any days in a row. especially pushing m,y range of motion issues. i swear everyone in this brken down valley "has a bad back".

anyhow today i will designate as me day. especially being that a nasty cold almosot has me.

(in reply to pahunkboy)

Post #: 114

RE: Home purchase-mistakes and shrewd moves - 3/15/2007 7:31:57 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

quote:

PS - Don't let anyone tell you that my approach with the realators and low offers doesn't work; because I learned it from someone very close to me in San Francisco who owns {outright} 30 - 35 properties that way

You couldnt be more on the ball. Realtors work for you, but sometimes you have to force them. I made a similar lowball offer on a property and my realtor said he would be offended, I told him make the offer or I'd find someone who would. After the offer was accepted He said he couldnt believe it, But I saved over 20k. Many times this is bcause the listing isnt theirs, and they're sharing the commision. The more money in the deal the bigger the split.

Also asking the neighbors is critical, they often know an imense amout about the property.

good points here. im happy with the terms thus far. i will know more next week. i HATE the name landlord- makes me cringe. take my right arm. i answere to me, myself and i. if i wanted a ball and chain ild get married- or make a baby. it just isnt my thing.

(in reply to Sternhand4)

Post #: 115

RE: Home purchase-mistakes and shrewd moves - 3/15/2007 7:40:31 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

More: i lived in the 3rd ward of this same town. I know it well. im pretty excited- my best freind and i are gettting closer.

listen up.

talked to my demetia gram. she said... "if Joyce came back, they will run her out of town".

talked to mom, toward end- she was practically crying. my siblings flew her out 3 times wined and dined her. now they have free baby sitter for life.
mom also wanted to know what they were doing to her old house. - i said how does it matter, as long as teh check cleared; you no longer own it. she kept asking if everything was ok. i wont lie to mom. there is however time and place for certain talks. besided mommas always KNOW implicitly what their children are up to. right?

i also told my sister- pArt of me hate my siblings for taking my mommy from me. shes like- oh it is her idea,...i said im just stating one of the many emotions ....

my psy-dr says to buy a small house. --BUT i will stick with the dream house i have a contract on. ill have room for mom to come back!!! [and the whole family for that matter.]

jump in anyone. ur comments qs can be therapuetic.

smiles to all.

roger

(in reply to pahunkboy)

Post #: 116

RE: Home purchase-mistakes and shrewd moves - 3/15/2007 9:41:49 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

I have to laugh. the foreclosure company will penalize me $100 a day if i close late. LMAO. okkkkkkkkkk.

they have no idea- they are selling me prime location, that could go up 6 fold in 10 years. not joking here. funding approved and ground has been broken for a riverfront amphtheator. the town will bring concerts- we beat out Harrisburg. in other words- im buying prime location....for cost of rent.

:-D~~

(in reply to pahunkboy)

Post #: 117

RE: Home purchase-mistakes and shrewd moves - 3/15/2007 11:44:08 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

I swear i will scream if teh landlord complains 1 more fricken time over dog shit. thats what dogs DO.

nevermind the HUGE droppings the amish carriages leave on the roadway!!

such a pity we are in for 3-6 inches of snow. [it will hide the poop]

hmmmmmmmmmmmmmmm.

(in reply to pahunkboy)

Post #: 118

RE: Home purchase-mistakes and shrewd moves - 3/15/2007 11:54:32 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

Holy cow- im looking over my purchase contract for the new house. with the addendums- it is 25 pages long!!!

25!!!!

egads!

(in reply to pahunkboy)

Post #: 119

RE: Home purchase-mistakes and shrewd moves - 3/16/2007 6:54:35 AM

pahunkboy

Posts: 33061
Joined: 2/26/2006
From: Central Pennsylvania
Status: offline

Monday I go fill out forms at mortgage bank. Im getting 5.375% 30 yr fixed. when i told me sister these numbers she could barely concentrate. as she lives in suburban Chicago- where houses is costly.

My psychiatrist urges me to focus on "a place to lay my head". he also pointed out to me, "the law serves the rich man....you can not engage in a battle with your landlord"

I can play abit for the weekend. But come Monday I must be fresh and focused.

My eyes on the prize. With any luck Ill run a "river cam" from my view- and podcast it online. :-D~~

Folks here have helped me alot. Thanks to all of you!

roger

(in reply to pahunkboy)

Post #: 120

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