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  1. #8576
    Join Date
    Jan 2005
    Location
    cb, co
    Posts
    3,815
    Quote Originally Posted by SuperGaper View Post
    Holy shit, realtors, DAFUQ? (Been waiting for to use that word for about 6 months!)
    Holy crap, a SuperGaper post!

  2. #8577
    Join Date
    Jan 2010
    Location
    your vacation
    Posts
    2,105
    Quote Originally Posted by Kevo View Post
    Everyone's dream! Leave big city life in NYC and live within earshot of one of the busiest highways in the country while waiting in 3 hour long lift lines to ski two laps of 8 powder a few times per season.
    Nailed it
    Must like the smell of burning tractor trailer brakes

  3. #8578
    Join Date
    Apr 2004
    Location
    cordova,AK
    Posts
    2,822
    I am making sure I have some cash available. Pretty bullish on my zone. This is the longest I have ever stayed in the spring. Been a great place to sit out the virus.
    off your knees Louie

  4. #8579
    Join Date
    Oct 2003
    Location
    Big in Japan
    Posts
    40,993
    Quote Originally Posted by Kevo View Post
    Everyone's dream! Leave big city life in NYC and live within earshot of one of the busiest highways in the country while waiting in 3 hour long lift lines to ski two laps of 8 powder a few times per season.
    East coasters who have to deal with I95 scoff at you calling I70 busy.

    Let's do some livin'
    After, we die

  5. #8580
    Join Date
    Feb 2005
    Posts
    13,052
    Quote Originally Posted by Benny Profane View Post
    East coasters who have to deal with I95 scoff at you calling I70 busy.
    There is never anyone in the left doing 60 on 95.

  6. #8581
    Join Date
    Dec 2010
    Location
    The 8th best place in the LBP
    Posts
    3,157
    Just got a 3-month forbearance on our mortgage with like 3 clicks of the mouse (Well Fargo). The payments will be added to the end of the mortgage. No interest penalties, no balloon payment, didn't have to show financial need or anything. Wow.

  7. #8582
    Join Date
    Oct 2003
    Location
    Big in Japan
    Posts
    40,993
    Wells Fargo? Better check that they haven't opened five accounts in your name to make up for that.
    Last edited by Benny Profane; 04-06-2020 at 01:41 PM.

    Let's do some livin'
    After, we die

  8. #8583
    Join Date
    Oct 2003
    Location
    slc
    Posts
    11,731
    Wow indeed. Any credit score implications? I'm still working (for now), but the temptation to hoard 3 months worth of payments just in case is strong if there's no credit rating hit (not that I have any plans to take out a loan any time soon, anyway).

  9. #8584
    Join Date
    Oct 2007
    Posts
    8,760
    Quote Originally Posted by Dantheman View Post
    Wow indeed. Any credit score implications? I'm still working (for now), but the temptation to hoard 3 months worth of payments just in case is strong if there's no credit rating hit (not that I have any plans to take out a loan any time soon, anyway).
    We have done the same thing on both of our homes but I'm pretty skeptical still. But yeah, three months no mortgage helps. I think that you have to show that you have had a loss of employment or something of that nature.

    Homeowners hurt by COVID-19 can delay mortgage payments, but some say they're anxious and confused about the real cost
    https://www.yahoo.com/finance/news/h...100101899.html

  10. #8585
    Join Date
    Jan 2011
    Location
    Alta
    Posts
    707
    I’m Wells Fargo on my mortgage. Also still working. But of gladly take the three months for now and if stuff gets back to normal I’d just put it right towards my principal then. Very curious as to the Wells Fargo requirements?

  11. #8586
    Join Date
    Nov 2010
    Location
    Sandy
    Posts
    1,887
    I haven't made a payment on my refi yet, just closed a couple weeks ago, but it is through Wells Fargo. We are both still working but I'm also tempted to hold 3 months and then pay to principal or put it towards getting my truck paid off faster. Hmm.

  12. #8587
    Join Date
    Oct 2003
    Location
    slc
    Posts
    11,731
    Checked my mortgage co.'s site, definitely not as good as what WF is offering. Balloon payment or repayment plan. Probably still better than being a customer of those crooks at Wells Fargo

  13. #8588
    Join Date
    Dec 2010
    Location
    The 8th best place in the LBP
    Posts
    3,157
    This article explains it pretty well.

    https://this.kiji.is/618490438084199...22757532812385

  14. #8589
    Join Date
    Jan 2011
    Location
    Alta
    Posts
    707
    Quote Originally Posted by Dantheman View Post
    Checked my mortgage co.'s site, definitely not as good as what WF is offering. Balloon payment or repayment plan. Probably still better than being a customer of those crooks at Wells Fargo
    I was furious when I got the letter in the mail that Wells Fargo had bought out my mortgage from my original lender. Had no idea that was even possible but terms are the same.


    Sent from my iPad using TGR Forums

  15. #8590
    Join Date
    Nov 2010
    Location
    Sandy
    Posts
    1,887
    Quote Originally Posted by altacoup View Post
    I was furious when I got the letter in the mail that Wells Fargo had bought out my mortgage from my original lender. Had no idea that was even possible but terms are the same.


    Sent from my iPad using TGR Forums
    They bought mine from my refinancer before I even made the first payment, I was pissed too. My last mortage went through 3 different lenders.

  16. #8591
    Join Date
    Dec 2006
    Location
    Agrestic
    Posts
    5,029
    If our mortgage is WF there is no fucking way I am doing anything other than paying each month. Those guys will fuck you over six ways to Sunday if they can. My partner still has them for her personal bank and I mask a chuckle every time they fuck something up. Fuck them.

  17. #8592
    Join Date
    Jan 2011
    Location
    Alta
    Posts
    707
    Reading the linked article it says the law allows to deflect payment for a year, renewed every 90 days. Although lenders are asking for reason, the law doesn’t require you to give any reason. Just push back on them and say the law demands they accept the deferral. No interest penalties and you can chose how to repay missed payments. Lump some, added until end of mortgage, dispersed through out life of mortgage. For those fortunate enough to maintain a job this really turns into an government sponsored opportunity to pay down principal. Defer for a year, put each monthly payment in savings and pay down principal. If anything makes sense to ask for deferment if only to wait and see what other crazy rescue plans might come out.


    Sent from my iPad using TGR Forums

  18. #8593
    Join Date
    Nov 2003
    Location
    Joisey
    Posts
    1,746
    Also a WF mortgagor. Here's what they're offering. Can I have a COVID-19 financial hardship if I'm still working???

    Click image for larger version. 

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    Because rich has nothing to do with money.

  19. #8594
    Join Date
    Feb 2005
    Posts
    13,052
    Quote Originally Posted by concretejungle View Post
    If our mortgage is WF there is no fucking way I am doing anything other than paying each month. Those guys will fuck you over six ways to Sunday if they can. My partner still has them for her personal bank and I mask a chuckle every time they fuck something up. Fuck them.
    I had a client schedule a payment to me through WF. It was supposed to be in my box within 5 business days. That was 7 days ago. She called them today to cancel the payment and they said the bill pay department has been having issues. They at least waived any fees.

    That bank and ANB have always been the absolute worst.

  20. #8595
    It's all subsidized & guaranteed by the Brrrrr machine, so you're the fool in a way if you don't take advantage. It may come with FICO heartburn, but more of a cleanup hassle than an outright FICO risk.

  21. #8596
    Join Date
    Sep 2010
    Posts
    1,425
    JP Morgan Chase is apparently raising their standards so that you're going to need 700+ credit and have 20%down to get a home loan. I'm curious as to whether other companies will follow.

  22. #8597
    Join Date
    May 2007
    Location
    Sandy, Utah
    Posts
    11,970
    Quote Originally Posted by MarcusBrody View Post
    JP Morgan Chase is apparently raising their standards so that you're going to need 700+ credit and have 20%down to get a home loan. I'm curious as to whether other companies will follow.
    My guess is they won't be writing many loans after this is all over then.


    Sent from my Pixel 2 using TGR Forums mobile app
    http://www.firsttracksonline.com

    I wish i could be like SkiFishBum

  23. #8598
    Join Date
    Oct 2007
    Posts
    8,760
    It'll be interesting to see what happens to all of the deed restricted. "Affordable Housing" that has gone up around our county lately. Now that there's not really any workers currently because the service industry has basically collapsed. Since a majority of them are deed restricted, I wonder if they'll ease up on or drop some restrictions completely, or just drop prices really low. If they don't many might sit vacant for a long time.

  24. #8599
    Join Date
    Aug 2007
    Location
    At the beach
    Posts
    13,116
    I am still not sure about the ramifications of missing 3 mortgage payments. Maybe it will not fuck up your credit scores BUT it will show on your credit report as 90 days with no payments made and that is a major no no unless they decide to let you slide. We will see how that plays out.
    Quote Originally Posted by leroy jenkins View Post
    I think you'd have an easier time understanding people if you remembered that 80% of them are fucking morons.
    That is why I like dogs, more than most people.

  25. #8600
    Join Date
    May 2007
    Location
    Sandy, Utah
    Posts
    11,970
    Quote Originally Posted by liv2ski View Post
    I am still not sure about the ramifications of missing 3 mortgage payments. Maybe it will not fuck up your credit scores BUT it will show on your credit report as 90 days with no payments made and that is a major no no unless they decide to let you slide. We will see how that plays out.
    I sure wouldn't do it just to pocket money for 3 months. If I have the payment they get it. Things change? I'll revisit.

    Sent from my Pixel 2 using TGR Forums mobile app
    http://www.firsttracksonline.com

    I wish i could be like SkiFishBum

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