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drboom
ParticipantWow, lots of North County-centric thinking around here.
Lots of misplaced snobbery, too. Not everyone is looking for a 3,500sf 4/4 in West Stepford.
My wife and I bought for under $250k a few months ago in the Fletcher Hills area. Yes, we’ve had to do some work on the place, and no, I haven’t felt the need to stock up on ammo or body bags.
I know what you’re thinking, my dear upscale piggies, but it’s not a matter of envying what I cannot afford.
So, to the OP: if you obsessively watch the market and can make a strong offer the second something pops up, you have a good chance of buying a decent house in a decent neighborhood for less than $250k.
October 31, 2009 at 2:02 PM in reply to: Tomorrow is Friday, which bank will the FDIC close? #476114Participant[quote=davelj]
I know you probably don’t care, but… your WestSide Bank in Hiram, Georgia looks a magnitude worse than SDNB.[/quote]FBOP won the race, but we knew both banks’ days were numbered.
As a (former, as of today) SDNB customer, this is a non-event. I had been expecting it, after all–FBOP’s problems have been well-documented over the past few months.
I wonder what’s going to happen to the whale painting?
October 31, 2009 at 2:02 PM in reply to: Tomorrow is Friday, which bank will the FDIC close? #476289Participant[quote=davelj]
I know you probably don’t care, but… your WestSide Bank in Hiram, Georgia looks a magnitude worse than SDNB.[/quote]FBOP won the race, but we knew both banks’ days were numbered.
As a (former, as of today) SDNB customer, this is a non-event. I had been expecting it, after all–FBOP’s problems have been well-documented over the past few months.
I wonder what’s going to happen to the whale painting?
October 31, 2009 at 2:02 PM in reply to: Tomorrow is Friday, which bank will the FDIC close? #476652Participant[quote=davelj]
I know you probably don’t care, but… your WestSide Bank in Hiram, Georgia looks a magnitude worse than SDNB.[/quote]FBOP won the race, but we knew both banks’ days were numbered.
As a (former, as of today) SDNB customer, this is a non-event. I had been expecting it, after all–FBOP’s problems have been well-documented over the past few months.
I wonder what’s going to happen to the whale painting?
October 31, 2009 at 2:02 PM in reply to: Tomorrow is Friday, which bank will the FDIC close? #476728Participant[quote=davelj]
I know you probably don’t care, but… your WestSide Bank in Hiram, Georgia looks a magnitude worse than SDNB.[/quote]FBOP won the race, but we knew both banks’ days were numbered.
As a (former, as of today) SDNB customer, this is a non-event. I had been expecting it, after all–FBOP’s problems have been well-documented over the past few months.
I wonder what’s going to happen to the whale painting?
October 31, 2009 at 2:02 PM in reply to: Tomorrow is Friday, which bank will the FDIC close? #476951Participant[quote=davelj]
I know you probably don’t care, but… your WestSide Bank in Hiram, Georgia looks a magnitude worse than SDNB.[/quote]FBOP won the race, but we knew both banks’ days were numbered.
As a (former, as of today) SDNB customer, this is a non-event. I had been expecting it, after all–FBOP’s problems have been well-documented over the past few months.
I wonder what’s going to happen to the whale painting?
ParticipantWife 1.0 wasn’t my finest hour, but I learned a lot.
Wife 2.0 is a different story. 12 years and counting, and we still stay up all night talking if the kids haven’t worn us out by 8:00PM.
She works, I do the homemaker thing and manage the finances. It’s not for everyone, but we get along okay.
As for the T-shirt, it’s an empty threat if the man in question is any good at petting the kitty…
ParticipantWife 1.0 wasn’t my finest hour, but I learned a lot.
Wife 2.0 is a different story. 12 years and counting, and we still stay up all night talking if the kids haven’t worn us out by 8:00PM.
She works, I do the homemaker thing and manage the finances. It’s not for everyone, but we get along okay.
As for the T-shirt, it’s an empty threat if the man in question is any good at petting the kitty…
ParticipantWife 1.0 wasn’t my finest hour, but I learned a lot.
Wife 2.0 is a different story. 12 years and counting, and we still stay up all night talking if the kids haven’t worn us out by 8:00PM.
She works, I do the homemaker thing and manage the finances. It’s not for everyone, but we get along okay.
As for the T-shirt, it’s an empty threat if the man in question is any good at petting the kitty…
ParticipantWife 1.0 wasn’t my finest hour, but I learned a lot.
Wife 2.0 is a different story. 12 years and counting, and we still stay up all night talking if the kids haven’t worn us out by 8:00PM.
She works, I do the homemaker thing and manage the finances. It’s not for everyone, but we get along okay.
As for the T-shirt, it’s an empty threat if the man in question is any good at petting the kitty…
ParticipantWife 1.0 wasn’t my finest hour, but I learned a lot.
Wife 2.0 is a different story. 12 years and counting, and we still stay up all night talking if the kids haven’t worn us out by 8:00PM.
She works, I do the homemaker thing and manage the finances. It’s not for everyone, but we get along okay.
As for the T-shirt, it’s an empty threat if the man in question is any good at petting the kitty…
ParticipantNo advice to offer, just an anecdote.
My wife and I closed on a short sale in July. Our offer wasn’t the highest, but the higher offers were VA/FHA–and the seller was flat broke. Further, there was a ton of junk on the property accumulated during the seller’s father’s 50 year tenure, and all of the other buyers wanted said junk gone before closing. I knew we couldn’t offer more, so I made disposal of the junk part of our offer.
11 Dumpster loads later, I think we’re two thirds done getting rid of stuff (anyone want 20 pounds of canned spinach flakes dated 1973??). It has been an insane amount of work, and we’re doing it on a shoestring.
The point is that I took a look at the whole situation and tailored our offer to give maximum benefit to the seller–she wasn’t going to make any money, so any other benefits I could throw her way would help us quite a bit. The rest was up to the bank (short sale, remember), but that’s a roll of the dice no matter what.
You have to make your offer stand out somehow, and that means you have to talk to the seller and pay attention to what they say. We made three offers during our house hunting. One house was snapped up by someone with more money than sense (cash offer almost 20% over highest “norrmal” offer); our other two offers were accepted, both on short sales. The first of those fell through when BofA decided to play hardball with the sellers, who sensibly walked away. It is still vacant 6 months later.
ParticipantNo advice to offer, just an anecdote.
My wife and I closed on a short sale in July. Our offer wasn’t the highest, but the higher offers were VA/FHA–and the seller was flat broke. Further, there was a ton of junk on the property accumulated during the seller’s father’s 50 year tenure, and all of the other buyers wanted said junk gone before closing. I knew we couldn’t offer more, so I made disposal of the junk part of our offer.
11 Dumpster loads later, I think we’re two thirds done getting rid of stuff (anyone want 20 pounds of canned spinach flakes dated 1973??). It has been an insane amount of work, and we’re doing it on a shoestring.
The point is that I took a look at the whole situation and tailored our offer to give maximum benefit to the seller–she wasn’t going to make any money, so any other benefits I could throw her way would help us quite a bit. The rest was up to the bank (short sale, remember), but that’s a roll of the dice no matter what.
You have to make your offer stand out somehow, and that means you have to talk to the seller and pay attention to what they say. We made three offers during our house hunting. One house was snapped up by someone with more money than sense (cash offer almost 20% over highest “norrmal” offer); our other two offers were accepted, both on short sales. The first of those fell through when BofA decided to play hardball with the sellers, who sensibly walked away. It is still vacant 6 months later.
ParticipantNo advice to offer, just an anecdote.
My wife and I closed on a short sale in July. Our offer wasn’t the highest, but the higher offers were VA/FHA–and the seller was flat broke. Further, there was a ton of junk on the property accumulated during the seller’s father’s 50 year tenure, and all of the other buyers wanted said junk gone before closing. I knew we couldn’t offer more, so I made disposal of the junk part of our offer.
11 Dumpster loads later, I think we’re two thirds done getting rid of stuff (anyone want 20 pounds of canned spinach flakes dated 1973??). It has been an insane amount of work, and we’re doing it on a shoestring.
The point is that I took a look at the whole situation and tailored our offer to give maximum benefit to the seller–she wasn’t going to make any money, so any other benefits I could throw her way would help us quite a bit. The rest was up to the bank (short sale, remember), but that’s a roll of the dice no matter what.
You have to make your offer stand out somehow, and that means you have to talk to the seller and pay attention to what they say. We made three offers during our house hunting. One house was snapped up by someone with more money than sense (cash offer almost 20% over highest “norrmal” offer); our other two offers were accepted, both on short sales. The first of those fell through when BofA decided to play hardball with the sellers, who sensibly walked away. It is still vacant 6 months later.
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