https://montana.craigslist.org/reo/d...793537169.html
quiet affordable living up narth
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https://montana.craigslist.org/reo/d...793537169.html
quiet affordable living up narth
For sale but no pets...
Sent from my SM-S236DL using Tapatalk
taking it to mean no pets in the home
Not including basement means that part isn’t for sale.
They’ll still be down there. At night.
Ran into a guy in Bozeman from opheim. Dude was a character.
Naw, they're probably just using it for cooking meth and don't want to share.Quote:
Originally Posted by Mustonen
Highest inventory since 2011 in Austin. 30% markdown on new build
https://www.zillow.com/homedetails/1...ource=txtshare
Austin has been building faster than any other city, and prices have been falling because of it.Quote:
Originally Posted by 4matic
Wish that everyone would learn from their example.
Also I think a lot of people move there, and a few years later say ‘fuck this’ to the heat and traffic.
Perhaps there’s more churn(?), but it’s not slowing growth that caused the recent price drops:Quote:
Originally Posted by rideit
Attachment 503143
I know a few people moved to Austin to chase the dream. Got hammered. Stuck.
DR Horton bad miss a Lennar warning about death spiral.
People moved to *Texas* to chase a dream? That is some fucked up shit, man...Quote:
Originally Posted by 4matic
I’ve heard it’s bigger there.
I thought the dream is to GTFO of Texas.
I mean... if I were unfortunate enough to find myself there, I'd think that would be my #1 dream.Quote:
Originally Posted by ColMan
Austin is Texas cosplaying, and for some reason a lot of people seem to be into that.Quote:
Originally Posted by skaredshtles
I visited Austin on business once... and if that's the *best* part of Texas... they're truly fucked.Quote:
Originally Posted by Dantheman
:D
Mortgage broker calls nine days from closing to say the locked rate can no longer be honored. That's nice.
https://youtu.be/A-brgkkjnHc?si=EjUuULpc6ISdC7iYQuote:
Originally Posted by Mazderati
The best part of Texas is east Texas because California isn't there yet.Quote:
Originally Posted by skaredshtles
If that's the best part of Texas, they are *wholly* fucked.Quote:
Originally Posted by halliday
WTF did they think ‘locked’ meant? And why do they charge extra for a longer lock period then?Quote:
Originally Posted by Mazderati
The lock did not happen. Either distracted or trying to game rates.
I'm just a humble dental office receptionist, but surely there's some legal recourse here?
Spot on.Quote:
Originally Posted by halliday
Having one of the most diverse cities in the country isn't a bad thing
The grit around the edges scares most people
Dogging on texas even California is lame and easy
Maybe, but that is its own headache to deal with on a longer timeline.
How is that legal. Ahh that's right, the great taking...Quote:
Originally Posted by Mazderati
my mind went exactly to this place as wellQuote:
Originally Posted by skaredshtles
Yep, immediately :DQuote:
Originally Posted by babybear
That's really fucked man, sorry that happened to you. I've had more than one shady interaction with mortgage brokers. Something about the profession attracts some unscrupulous characters.Quote:
Originally Posted by Mazderati
That is exactly what I thought when I was there about 5 years ago.Quote:
Originally Posted by skaredshtles
Broker likely thought that 10 year treasuries were going to come down more but they've actually been going higher for a couple months despite the fed reducing the fed funds rate.
Had 10 year treasuries actually dropped like the broker anticipated they would have originated the mortgage at a the rate you "locked" and earned more commission from the spread.
IMO the broker should buy down the rate for you since they screwed you.
Liv2Ski can confirm if my understanding is accurate here. I know enough to perhaps be reading this incorrectly.
There is an offer to buy down the rate for 12 months and refinance if rates comes down to the original rate. Or, move forward with a higher rate that is still better than anything I can currently find. Will know more tomorrow.
When I was doing loans, the client signed a lock acknowledgement. Did you get something in writing? If not you're fucked. If yes, tell them to honor it or else.Quote:
Originally Posted by Mazderati
Their offer should be to buy down rates back to what they told you they locked on (assuming you have an email or someone where they told you they locked)Quote:
Originally Posted by Mazderati
This is their problem. They were probably gambling that rates were going to drop so they could pocket the difference. I’ve heard the same story multiple times this week.
Otherwise let them know you are going to tell everyone you know and post on every review platform you can find that they fucked up in a way that cost you real money and were unwilling to fix the problem.
And while you’re at it, shop the loan to someone else. If he’s not going to give you the deal he promised, don’t give him any business.
They really should honor your rate. If you have written proof of a lock confirmation and they aren't honoring it, I would file a CFPB complaint.Quote:
Originally Posted by Mazderati
https://www.usa.gov/mortgage-company-complaints
https://www.consumerfinance.gov/complaint/
I had success in the past with a CFPB complaint when a mortgage servicer wouldn't send me my escrow balance after I closed on the sale of a house.
Perhaps even the threat of a CFPB complaint would be enough for them to buy down the rate to the "lock" rate.
If you're working with a buyer's agent, you should let them know as well. They'd have even more leverage over the mortgage broker not honoring the rate- not working with them anymore, letting their coworkers know, etc.
Here's yet another story of someone's broker failing to lock: https://www.reddit.com/r/personalfin...rate_what_now/ Funny how so many brokers "forgot" right around a time where interest rates looked like they could drop but actually went higher.
Love the BS of blaming it on a technical glitch. That's such a cop out. What technical glitch could possibly exist on the broker's end that they would be absolved of responsibility for? Evenif hey submitted to the bank's system, the internet timed out, and they didn't get confirmation back? Guess what...still their fault, should have followed up on the lack of confirmation. Their job is literally to push around the paper and make sure everything happens on time.
That's the entire selling point of using a broker--they do the legwork of shopping you around and keeping everything on track with the lender for your closing. They tell you if you go with some faceless online bank you might have things slip through the cracks and fail to close on time.
My debacle continues. New lender. Closing pushed.
Crap, sorry to hear it. Hope things go smoothly with your new lenderQuote:
Originally Posted by Mazderati