South Florida Nesties
My Blog: One Project at a Time Blog
My Chart
CP 05/09
BFP on 7/26/09 - M/C 8/13/09 @ 7 Wks
BFP on 10/28/09 - M/C 11/9/09 @ 5 Wks 2 Days
1/25/10 - RPL results everything normal but have low Progesterone
BFP on 06/09/10 - EDD 02/20/2011
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Rec your Mortgage Broker
We have been pre-approved with Wells Fargo but I want to shop around for a better rate.
1. Who is your mortgage broker
2. Rate (if you do not mind)
3. Did you have to pay any fees to the mortgage company?
And ofcourse... and advice.
Thank you!!
My Blog: One Project at a Time Blog
My Chart
CP 05/09
BFP on 7/26/09 - M/C 8/13/09 @ 7 Wks
BFP on 10/28/09 - M/C 11/9/09 @ 5 Wks 2 Days
1/25/10 - RPL results everything normal but have low Progesterone
BFP on 06/09/10 - EDD 02/20/2011
Re: Rec your Mortgage Broker
We're using Chase since they are the bank that owns the foreclosure. I would recommend using the same bank if you end up with a foreclosure- There are a lot of incentives.
For example, we locked our rate at 5% back at the beginning of November, but because we are using Chase, they are giving us 1% back every year for the life of the loan (FYI- I read an article this week in the SS, that the rates had dropped to 4.71 last week). We can either add this to the principle or take a check.. so essentially, our rate is like 4%.
They are also giving us a point back at closing which we decided to take as cash, rather than to buy down the rate. We would have to live in the house for 7 years just to break even, I think... so we're getting like 1800 back at closing. Plus, I believe my husband said something about not being able to buy a rate down past a certain point. (Don't take my word for it though, lol... I always say that I know just enough to sound stupid). as They are also paying for the title insurance, etc. We also paid half of what we should have for the appraisal.
Like I said, buying a foreclosure and using the same bank has its perks.
Adam, our mortgage guy has been GREAT! I will ask my husband for his contact info if you would like.
HTH.
He's my fairytale, a dream when I'm not sleeping.
<a href="http://s279.photobucket.com/albums/kk121/behapybride/?action=viewThank you so much, that would be awesome!! I am most definitely going to look into the rates with HSBC since they are the ones with the foreclosure.
How long did it take the bank to accept your offer?
My Blog: One Project at a Time Blog
My Chart
CP 05/09
BFP on 7/26/09 - M/C 8/13/09 @ 7 Wks
BFP on 10/28/09 - M/C 11/9/09 @ 5 Wks 2 Days
1/25/10 - RPL results everything normal but have low Progesterone
BFP on 06/09/10 - EDD 02/20/2011
My husband went and saw it the first day it was on the market since I was out of town for work. He put an offer in that morning, but we had to wait 5 days for the bank to see if they would receive other offers. On the 5th day, there were 3 other offers beside ours and the bank asked for best and final offers from everyone by 5pm. We upped ours to 3% above the asking price and then had to wait.
We found out we got the house 2 days after that.
He's my fairytale, a dream when I'm not sleeping.
<a href="http://s279.photobucket.com/albums/kk121/behapybride/?action=viewThat is great, I can imagine how stressed/nervous/anxious you guys must have been those couple of days.
We just submitted our offer this morning and Im hoping that we hear back from them by Friday. So far no other offers are on the table.
Where do you stand with the house? Did you already close?
My Blog: One Project at a Time Blog
My Chart
CP 05/09
BFP on 7/26/09 - M/C 8/13/09 @ 7 Wks
BFP on 10/28/09 - M/C 11/9/09 @ 5 Wks 2 Days
1/25/10 - RPL results everything normal but have low Progesterone
BFP on 06/09/10 - EDD 02/20/2011
He's my fairytale, a dream when I'm not sleeping.
<a href="http://s279.photobucket.com/albums/kk121/behapybride/?action=viewHow exciting!!! I am so sorry to ask you so many questions... around how long has it taken since the offer til closing?
What type of loan are you doing? We are trying FHA since the down payment is so low
My Blog: One Project at a Time Blog
My Chart
CP 05/09
BFP on 7/26/09 - M/C 8/13/09 @ 7 Wks
BFP on 10/28/09 - M/C 11/9/09 @ 5 Wks 2 Days
1/25/10 - RPL results everything normal but have low Progesterone
BFP on 06/09/10 - EDD 02/20/2011
From the signing of the contract to the closing date, it will be about 6 1/2 weeks.
We are doing a conventional, 30 yr fixed, with 20% down.
He's my fairytale, a dream when I'm not sleeping.
<a href="http://s279.photobucket.com/albums/kk121/behapybride/?action=viewWow that is pretty good, I have heard it can take up to 3 months.
We submitted a stronger offer last night and now just have to wait.
My Blog: One Project at a Time Blog
My Chart
CP 05/09
BFP on 7/26/09 - M/C 8/13/09 @ 7 Wks
BFP on 10/28/09 - M/C 11/9/09 @ 5 Wks 2 Days
1/25/10 - RPL results everything normal but have low Progesterone
BFP on 06/09/10 - EDD 02/20/2011