Waiting for nearly three months for a radio, and then being faced with the possibility of having to sell it before you even get to use it!!!! (along with cameras and photo gear!!)
Waiting for nearly three months for a radio, and then being faced with the possibility of having to sell it before you even get to use it!!!! (along with cameras and photo gear!!)
Oh oh, wtf happened?
A clear conscience is usually a sign of a bad memory
RIP ALBI-W3MIV RIP RUSS-W5RB RIP BOB-VK3ZL
Originally Posted by K7SGJ
We got pre-approved to buy a house today so I'm going to have to scrape up every single penny we can to add to our life savings that's already in existence!!!
We never thought we'd be approved again because we lost our first to foreclosure in 2006!
Pre-approval doesn't mean anything any more. I'd hold off on dumping assets until the loan actually comes through.
With the loan on this house, the mortgage company initially "pre-approved" with disclosed knowledge at the time of the application, they used later to try to decline the loan.
It was "policy" that they KNEW about at the beginning, but waited until the bitter end to use because the rates started ramping up and we had locked at a really low rate. We got the loan through other methods which will screw them in the final analysis, which I won't go into here.
Watch yourself.
Well because of our credit situation, they've already gone through everything with a fine tooth comb. I don't think they'd be wasting their time on our situation if they weren't going to approve it in the long run.
Obviously everything is subject to change, but they've already pulled everything and ran the numbers based on a price I've given them. We can go lower for sure, but going higher requires further scrutiny.
Chris, the guys are right. DON'T SELL OFF UNTIL YOU CLOSE!!! The mortgage bank will scrutinise your deposit/withdrawl records from your personal accounts. Any major purchase (emergencies usually excepted), and deposits OTHER THAN paychecks or tax refunds can get your pre-approval cancelled. Any other money deposited into your account will probably need a source of funds statement.
Encrypt everything. Even if you have nothing to hide. It increases the noise floor.
So keep all that cash you're earning by cooking meth in a suitcase under your bed.
All the world’s a stage, but obviously the play is unrehearsed and everybody is ad-libbing his lines. Maybe that’s why it’s hard to tell if we’re living in a tragedy or a farce.
How do you know he has a bed? Maybe he sleeps in a hammock, or a tree house, or in a 63 VW bus.
A clear conscience is usually a sign of a bad memory
RIP ALBI-W3MIV RIP RUSS-W5RB RIP BOB-VK3ZL
Um... that's a '69 VW shaggin waggin....
Van2.jpg
Last edited by K9CCH; 08-15-2013 at 09:34 PM.
Yeah, I had a 68 and a 71. They were fun as hell to drive, but if you ever rear-ended someone. even at a slow speed, it could be quite devastating.
A clear conscience is usually a sign of a bad memory
RIP ALBI-W3MIV RIP RUSS-W5RB RIP BOB-VK3ZL
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