530K is accepted for 2300 SFT home in 4s ranch.

[CricketOnTheHearth]

That is really neat that RB-Home Buyer and Misheloff got together on this thread. I wonder how many prospective buyers in any given same area are connected here in this way? Sure is making it harder for “them” to pull the wool over our eyes.

RB-Home Buyer, if you have the income to sustain the mortgage and aforementioned HOA and Mello-Roos for the time period you want to keep the home, more power to you. I hope you enjoy the place.

stockstradr– I used to rent a condo in the Summit. Small world! I got kicked out, ironically, when my landlady’s ARM came due (summer of 2006). She and you were lucky, both of you sold at the peak in that complex.

sdrealtor: as far as the idea of “all those tech companies in RB” hiring more people; someone may be but it won’t be the “tech company in RB” that I work for. They just showed ~100 people the door last fall and we are in tight, tight cost-control mode. Sony on the hill has knocked down their whole plant in the previous year or so; and I can’t speak for the other companies. Given the economy I tend to think: nahhh….

No, I won’t say which tech company, honoring my company confidentiality requirements.

[sdrealtor]

Cricket
You left out the “and beyond” part. Its not just tech companies either. Give me a couple young attorneys, a new doc and sales guy. 12 buyers looking for new 2000 sq ft homes in 4S would do it. I’m not talking about hiring binges. Thats not alot of new people in a county of about 4,000,000.

[sdrealtor]

Cricket
You left out the “and beyond” part. Its not just tech companies either. Give me a couple young attorneys, a new doc and sales guy. 12 buyers looking for new 2000 sq ft homes in 4S would do it. I’m not talking about hiring binges. Thats not alot of new people in a county of about 4,000,000.

[sdrealtor]

Cricket
You left out the “and beyond” part. Its not just tech companies either. Give me a couple young attorneys, a new doc and sales guy. 12 buyers looking for new 2000 sq ft homes in 4S would do it. I’m not talking about hiring binges. Thats not alot of new people in a county of about 4,000,000.

[sdrealtor]

Cricket
You left out the “and beyond” part. Its not just tech companies either. Give me a couple young attorneys, a new doc and sales guy. 12 buyers looking for new 2000 sq ft homes in 4S would do it. I’m not talking about hiring binges. Thats not alot of new people in a county of about 4,000,000.

[sdrealtor]

Cricket
You left out the “and beyond” part. Its not just tech companies either. Give me a couple young attorneys, a new doc and sales guy. 12 buyers looking for new 2000 sq ft homes in 4S would do it. I’m not talking about hiring binges. Thats not alot of new people in a county of about 4,000,000.

[RB-Home Buyer]

I got fee details from BOFA. Loan officer was actually able to lock in at a little bit of a lower rate.

Balloon Product – 1st / 2nd No
Initial Interest Rate – 1st / 2nd 4.500 %
Index – 1st N/A
Margin – 1st N/A
Actual Market Rate Today – 1st 4.500 %
Qualifying Interest Rate – 1st / 2nd 4.500 %
Maximum 1st Rate Increase/Frequency N/A
Lifetime Maximum Cap – 1st
Annual Percentage Rate – 1st / 2nd 4.548 %
Origination Points – 1st 0.000 %
Discount Points – 1st / 2nd 0.000 %
Total Points – 1st / 2nd 0.000 %

Origination Fee $0.00
Discount Fee – 1st / 2nd $0.00
Appraisal Fee $0.00
Credit Report Fee $0.00
Tax Service Fee $0.00
Application Fee $450.00
Processing/Commitment Fee $0.00
Flood Certification $0.00
Buydown Subsidy $0.00
Other Lender’s Fees/Broker Fee $850.00
Total Lender’s Fees $1,300.00 ($450.00 + $850.00)

All other fee will be known at the time closing.

[RB-Home Buyer]

I got fee details from BOFA. Loan officer was actually able to lock in at a little bit of a lower rate.

Balloon Product – 1st / 2nd No
Initial Interest Rate – 1st / 2nd 4.500 %
Index – 1st N/A
Margin – 1st N/A
Actual Market Rate Today – 1st 4.500 %
Qualifying Interest Rate – 1st / 2nd 4.500 %
Maximum 1st Rate Increase/Frequency N/A
Lifetime Maximum Cap – 1st
Annual Percentage Rate – 1st / 2nd 4.548 %
Origination Points – 1st 0.000 %
Discount Points – 1st / 2nd 0.000 %
Total Points – 1st / 2nd 0.000 %

Origination Fee $0.00
Discount Fee – 1st / 2nd $0.00
Appraisal Fee $0.00
Credit Report Fee $0.00
Tax Service Fee $0.00
Application Fee $450.00
Processing/Commitment Fee $0.00
Flood Certification $0.00
Buydown Subsidy $0.00
Other Lender’s Fees/Broker Fee $850.00
Total Lender’s Fees $1,300.00 ($450.00 + $850.00)

All other fee will be known at the time closing.

[RB-Home Buyer]

I got fee details from BOFA. Loan officer was actually able to lock in at a little bit of a lower rate.

Balloon Product – 1st / 2nd No
Initial Interest Rate – 1st / 2nd 4.500 %
Index – 1st N/A
Margin – 1st N/A
Actual Market Rate Today – 1st 4.500 %
Qualifying Interest Rate – 1st / 2nd 4.500 %
Maximum 1st Rate Increase/Frequency N/A
Lifetime Maximum Cap – 1st
Annual Percentage Rate – 1st / 2nd 4.548 %
Origination Points – 1st 0.000 %
Discount Points – 1st / 2nd 0.000 %
Total Points – 1st / 2nd 0.000 %

Origination Fee $0.00
Discount Fee – 1st / 2nd $0.00
Appraisal Fee $0.00
Credit Report Fee $0.00
Tax Service Fee $0.00
Application Fee $450.00
Processing/Commitment Fee $0.00
Flood Certification $0.00
Buydown Subsidy $0.00
Other Lender’s Fees/Broker Fee $850.00
Total Lender’s Fees $1,300.00 ($450.00 + $850.00)

All other fee will be known at the time closing.

[RB-Home Buyer]

I got fee details from BOFA. Loan officer was actually able to lock in at a little bit of a lower rate.

Balloon Product – 1st / 2nd No
Initial Interest Rate – 1st / 2nd 4.500 %
Index – 1st N/A
Margin – 1st N/A
Actual Market Rate Today – 1st 4.500 %
Qualifying Interest Rate – 1st / 2nd 4.500 %
Maximum 1st Rate Increase/Frequency N/A
Lifetime Maximum Cap – 1st
Annual Percentage Rate – 1st / 2nd 4.548 %
Origination Points – 1st 0.000 %
Discount Points – 1st / 2nd 0.000 %
Total Points – 1st / 2nd 0.000 %

Origination Fee $0.00
Discount Fee – 1st / 2nd $0.00
Appraisal Fee $0.00
Credit Report Fee $0.00
Tax Service Fee $0.00
Application Fee $450.00
Processing/Commitment Fee $0.00
Flood Certification $0.00
Buydown Subsidy $0.00
Other Lender’s Fees/Broker Fee $850.00
Total Lender’s Fees $1,300.00 ($450.00 + $850.00)

All other fee will be known at the time closing.

[RB-Home Buyer]

I got fee details from BOFA. Loan officer was actually able to lock in at a little bit of a lower rate.

Balloon Product – 1st / 2nd No
Initial Interest Rate – 1st / 2nd 4.500 %
Index – 1st N/A
Margin – 1st N/A
Actual Market Rate Today – 1st 4.500 %
Qualifying Interest Rate – 1st / 2nd 4.500 %
Maximum 1st Rate Increase/Frequency N/A
Lifetime Maximum Cap – 1st
Annual Percentage Rate – 1st / 2nd 4.548 %
Origination Points – 1st 0.000 %
Discount Points – 1st / 2nd 0.000 %
Total Points – 1st / 2nd 0.000 %

Origination Fee $0.00
Discount Fee – 1st / 2nd $0.00
Appraisal Fee $0.00
Credit Report Fee $0.00
Tax Service Fee $0.00
Application Fee $450.00
Processing/Commitment Fee $0.00
Flood Certification $0.00
Buydown Subsidy $0.00
Other Lender’s Fees/Broker Fee $850.00
Total Lender’s Fees $1,300.00 ($450.00 + $850.00)

All other fee will be known at the time closing.

[ibjames]

I can tell you another company will be doing much hiring.. a big one..

[ibjames]

I can tell you another company will be doing much hiring.. a big one..

[ibjames]

I can tell you another company will be doing much hiring.. a big one..

[ibjames]

I can tell you another company will be doing much hiring.. a big one..

[Author]

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