[KPP]

i agree with you ray.

spoke with my realtor, and she said i should call and try and work things out with the loan broker. even though she wants to stop working with me, i would like to finish with her, since we are just a week away from finishing. i should simply ignore her shady antics…

realtor also said citibank would probably be more than happy to complete the loan without her, and suggested we keep the conditions the same (pay Joice) nonetheless, so it’s fair, since she has done work for 3 weeks.

as for the good faith estimate. I have asked numerous times and she either ignores the question, or she claims she “just faxed it.” i’m not quite sure how to handle getting paperwork i think i have the rights to see. i believe if i am at the point of signing loan docs, shouldn’t i have received some sort of documatation of what i’m actually signing off on?

thanks everybody for writing…
and i’m sorry for buying a house right now 🙂 i know i come off like a dummy for doing so

meandale: what is a TIL disclosure?

[KPP]

i agree with you ray.

spoke with my realtor, and she said i should call and try and work things out with the loan broker. even though she wants to stop working with me, i would like to finish with her, since we are just a week away from finishing. i should simply ignore her shady antics…

realtor also said citibank would probably be more than happy to complete the loan without her, and suggested we keep the conditions the same (pay Joice) nonetheless, so it’s fair, since she has done work for 3 weeks.

as for the good faith estimate. I have asked numerous times and she either ignores the question, or she claims she “just faxed it.” i’m not quite sure how to handle getting paperwork i think i have the rights to see. i believe if i am at the point of signing loan docs, shouldn’t i have received some sort of documatation of what i’m actually signing off on?

thanks everybody for writing…
and i’m sorry for buying a house right now 🙂 i know i come off like a dummy for doing so

meandale: what is a TIL disclosure?

[KPP]

i agree with you ray.

spoke with my realtor, and she said i should call and try and work things out with the loan broker. even though she wants to stop working with me, i would like to finish with her, since we are just a week away from finishing. i should simply ignore her shady antics…

realtor also said citibank would probably be more than happy to complete the loan without her, and suggested we keep the conditions the same (pay Joice) nonetheless, so it’s fair, since she has done work for 3 weeks.

as for the good faith estimate. I have asked numerous times and she either ignores the question, or she claims she “just faxed it.” i’m not quite sure how to handle getting paperwork i think i have the rights to see. i believe if i am at the point of signing loan docs, shouldn’t i have received some sort of documatation of what i’m actually signing off on?

thanks everybody for writing…
and i’m sorry for buying a house right now 🙂 i know i come off like a dummy for doing so

meandale: what is a TIL disclosure?

[KPP]

i agree with you ray.

spoke with my realtor, and she said i should call and try and work things out with the loan broker. even though she wants to stop working with me, i would like to finish with her, since we are just a week away from finishing. i should simply ignore her shady antics…

realtor also said citibank would probably be more than happy to complete the loan without her, and suggested we keep the conditions the same (pay Joice) nonetheless, so it’s fair, since she has done work for 3 weeks.

as for the good faith estimate. I have asked numerous times and she either ignores the question, or she claims she “just faxed it.” i’m not quite sure how to handle getting paperwork i think i have the rights to see. i believe if i am at the point of signing loan docs, shouldn’t i have received some sort of documatation of what i’m actually signing off on?

thanks everybody for writing…
and i’m sorry for buying a house right now 🙂 i know i come off like a dummy for doing so

meandale: what is a TIL disclosure?

[KPP]

i agree with you ray.

spoke with my realtor, and she said i should call and try and work things out with the loan broker. even though she wants to stop working with me, i would like to finish with her, since we are just a week away from finishing. i should simply ignore her shady antics…

realtor also said citibank would probably be more than happy to complete the loan without her, and suggested we keep the conditions the same (pay Joice) nonetheless, so it’s fair, since she has done work for 3 weeks.

as for the good faith estimate. I have asked numerous times and she either ignores the question, or she claims she “just faxed it.” i’m not quite sure how to handle getting paperwork i think i have the rights to see. i believe if i am at the point of signing loan docs, shouldn’t i have received some sort of documatation of what i’m actually signing off on?

thanks everybody for writing…
and i’m sorry for buying a house right now 🙂 i know i come off like a dummy for doing so

meandale: what is a TIL disclosure?

[KPP]

The builder is giving buyers incentives tied with a purchase of a home. In my case, the builder is giving me $20,000 to use toward closing costs, upgrades, HOA fees, property taxes, interest rate buy down…etc.

I wanted to use the money towards closing costs, 2 years HOAs, and 2 years property taxes. The loan broker wanted to use the incentives toward an interest rate buy down. $3,900 to get .5% lower. I didn’t want that, so that’s how the realtor got into an argument with the lender.

I know I’ll get ass raped by some of you guys on here, but I’m putting 34% down.

I guess my question should be, would I be able to continue the loan directly with citibank, even though my loan broker has cancelled it?

[KPP]

The builder is giving buyers incentives tied with a purchase of a home. In my case, the builder is giving me $20,000 to use toward closing costs, upgrades, HOA fees, property taxes, interest rate buy down…etc.

I wanted to use the money towards closing costs, 2 years HOAs, and 2 years property taxes. The loan broker wanted to use the incentives toward an interest rate buy down. $3,900 to get .5% lower. I didn’t want that, so that’s how the realtor got into an argument with the lender.

I know I’ll get ass raped by some of you guys on here, but I’m putting 34% down.

I guess my question should be, would I be able to continue the loan directly with citibank, even though my loan broker has cancelled it?

[KPP]

The builder is giving buyers incentives tied with a purchase of a home. In my case, the builder is giving me $20,000 to use toward closing costs, upgrades, HOA fees, property taxes, interest rate buy down…etc.

I wanted to use the money towards closing costs, 2 years HOAs, and 2 years property taxes. The loan broker wanted to use the incentives toward an interest rate buy down. $3,900 to get .5% lower. I didn’t want that, so that’s how the realtor got into an argument with the lender.

I know I’ll get ass raped by some of you guys on here, but I’m putting 34% down.

I guess my question should be, would I be able to continue the loan directly with citibank, even though my loan broker has cancelled it?

[KPP]

The builder is giving buyers incentives tied with a purchase of a home. In my case, the builder is giving me $20,000 to use toward closing costs, upgrades, HOA fees, property taxes, interest rate buy down…etc.

I wanted to use the money towards closing costs, 2 years HOAs, and 2 years property taxes. The loan broker wanted to use the incentives toward an interest rate buy down. $3,900 to get .5% lower. I didn’t want that, so that’s how the realtor got into an argument with the lender.

I know I’ll get ass raped by some of you guys on here, but I’m putting 34% down.

I guess my question should be, would I be able to continue the loan directly with citibank, even though my loan broker has cancelled it?

[KPP]

The builder is giving buyers incentives tied with a purchase of a home. In my case, the builder is giving me $20,000 to use toward closing costs, upgrades, HOA fees, property taxes, interest rate buy down…etc.

I wanted to use the money towards closing costs, 2 years HOAs, and 2 years property taxes. The loan broker wanted to use the incentives toward an interest rate buy down. $3,900 to get .5% lower. I didn’t want that, so that’s how the realtor got into an argument with the lender.

I know I’ll get ass raped by some of you guys on here, but I’m putting 34% down.

I guess my question should be, would I be able to continue the loan directly with citibank, even though my loan broker has cancelled it?

[KPP]

I knew nearly all the replies I would get would be able “why am i buying”… but sometimes not everybody buys or not buys for the same reasons. Some people actually buy a home because they saw something they really wanted or are in need of a home. Some get tired of renting…there are indeed other factors for buying. Even if I waited for further price drops, I may not come across what I really want to be in. I do not want to buy because it was a best deal, especially if it’s something I don’t completely love. But that is me. As the current prices continue to fall, the realy good deals on foreclosures get more competitive. Even in “4Closure Ranch,” a home listed before the weekend, entered escrow on Monday…it had 34 offers on it. So for me, I really want this home to live in and enjoy. 🙂

So…anybody else got advise?

[KPP]

I knew nearly all the replies I would get would be able “why am i buying”… but sometimes not everybody buys or not buys for the same reasons. Some people actually buy a home because they saw something they really wanted or are in need of a home. Some get tired of renting…there are indeed other factors for buying. Even if I waited for further price drops, I may not come across what I really want to be in. I do not want to buy because it was a best deal, especially if it’s something I don’t completely love. But that is me. As the current prices continue to fall, the realy good deals on foreclosures get more competitive. Even in “4Closure Ranch,” a home listed before the weekend, entered escrow on Monday…it had 34 offers on it. So for me, I really want this home to live in and enjoy. 🙂

So…anybody else got advise?

[KPP]

I knew nearly all the replies I would get would be able “why am i buying”… but sometimes not everybody buys or not buys for the same reasons. Some people actually buy a home because they saw something they really wanted or are in need of a home. Some get tired of renting…there are indeed other factors for buying. Even if I waited for further price drops, I may not come across what I really want to be in. I do not want to buy because it was a best deal, especially if it’s something I don’t completely love. But that is me. As the current prices continue to fall, the realy good deals on foreclosures get more competitive. Even in “4Closure Ranch,” a home listed before the weekend, entered escrow on Monday…it had 34 offers on it. So for me, I really want this home to live in and enjoy. 🙂

So…anybody else got advise?

[KPP]

I knew nearly all the replies I would get would be able “why am i buying”… but sometimes not everybody buys or not buys for the same reasons. Some people actually buy a home because they saw something they really wanted or are in need of a home. Some get tired of renting…there are indeed other factors for buying. Even if I waited for further price drops, I may not come across what I really want to be in. I do not want to buy because it was a best deal, especially if it’s something I don’t completely love. But that is me. As the current prices continue to fall, the realy good deals on foreclosures get more competitive. Even in “4Closure Ranch,” a home listed before the weekend, entered escrow on Monday…it had 34 offers on it. So for me, I really want this home to live in and enjoy. 🙂

So…anybody else got advise?

[KPP]

I knew nearly all the replies I would get would be able “why am i buying”… but sometimes not everybody buys or not buys for the same reasons. Some people actually buy a home because they saw something they really wanted or are in need of a home. Some get tired of renting…there are indeed other factors for buying. Even if I waited for further price drops, I may not come across what I really want to be in. I do not want to buy because it was a best deal, especially if it’s something I don’t completely love. But that is me. As the current prices continue to fall, the realy good deals on foreclosures get more competitive. Even in “4Closure Ranch,” a home listed before the weekend, entered escrow on Monday…it had 34 offers on it. So for me, I really want this home to live in and enjoy. 🙂

So…anybody else got advise?

[Author]

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