[SD Realtor]

Well at least you defined the price which was 12,000. This is good. Add an addendum to say that the closing costs are both recurring and non recurring . Also know that if you do not use all of the 12k up, that you the buyer do NOT get the difference, the lender will not allow that. So make sure you eat that money up IN ESCROW even if it means getting some upgrades done to the home.

Now you may or may not get a p.o.s loan but YOU have the power to prevent that. It just takes legwork. Also remember, dont focus on just the rate. If you are gonna get an apples to apples comparison you need to include rate and cost of financing.

[SD Realtor]

Well at least you defined the price which was 12,000. This is good. Add an addendum to say that the closing costs are both recurring and non recurring . Also know that if you do not use all of the 12k up, that you the buyer do NOT get the difference, the lender will not allow that. So make sure you eat that money up IN ESCROW even if it means getting some upgrades done to the home.

Now you may or may not get a p.o.s loan but YOU have the power to prevent that. It just takes legwork. Also remember, dont focus on just the rate. If you are gonna get an apples to apples comparison you need to include rate and cost of financing.

[SD Realtor]

Well at least you defined the price which was 12,000. This is good. Add an addendum to say that the closing costs are both recurring and non recurring . Also know that if you do not use all of the 12k up, that you the buyer do NOT get the difference, the lender will not allow that. So make sure you eat that money up IN ESCROW even if it means getting some upgrades done to the home.

Now you may or may not get a p.o.s loan but YOU have the power to prevent that. It just takes legwork. Also remember, dont focus on just the rate. If you are gonna get an apples to apples comparison you need to include rate and cost of financing.

[SD Realtor]

Well at least you defined the price which was 12,000. This is good. Add an addendum to say that the closing costs are both recurring and non recurring . Also know that if you do not use all of the 12k up, that you the buyer do NOT get the difference, the lender will not allow that. So make sure you eat that money up IN ESCROW even if it means getting some upgrades done to the home.

Now you may or may not get a p.o.s loan but YOU have the power to prevent that. It just takes legwork. Also remember, dont focus on just the rate. If you are gonna get an apples to apples comparison you need to include rate and cost of financing.

[SD Realtor]

FLU

Question 1 is environment. San Diego is a home to both airborne and subt type of termites. Double trouble. Other areas around the country don’t have airborne termites but do have subt types. Also anything with wood framing is gonna be a home to these types of pests. Try as youy might they will get into the home through small seams, cracks, exhausts, etc to escape the heat and set up camp.

Question 2 yeah I would recommend a synthetic product like trex or something similar.

[SD Realtor]

FLU

Question 1 is environment. San Diego is a home to both airborne and subt type of termites. Double trouble. Other areas around the country don’t have airborne termites but do have subt types. Also anything with wood framing is gonna be a home to these types of pests. Try as youy might they will get into the home through small seams, cracks, exhausts, etc to escape the heat and set up camp.

Question 2 yeah I would recommend a synthetic product like trex or something similar.

[SD Realtor]

FLU

Question 1 is environment. San Diego is a home to both airborne and subt type of termites. Double trouble. Other areas around the country don’t have airborne termites but do have subt types. Also anything with wood framing is gonna be a home to these types of pests. Try as youy might they will get into the home through small seams, cracks, exhausts, etc to escape the heat and set up camp.

Question 2 yeah I would recommend a synthetic product like trex or something similar.

[SD Realtor]

FLU

Question 1 is environment. San Diego is a home to both airborne and subt type of termites. Double trouble. Other areas around the country don’t have airborne termites but do have subt types. Also anything with wood framing is gonna be a home to these types of pests. Try as youy might they will get into the home through small seams, cracks, exhausts, etc to escape the heat and set up camp.

Question 2 yeah I would recommend a synthetic product like trex or something similar.

[SD Realtor]

FLU

Question 1 is environment. San Diego is a home to both airborne and subt type of termites. Double trouble. Other areas around the country don’t have airborne termites but do have subt types. Also anything with wood framing is gonna be a home to these types of pests. Try as youy might they will get into the home through small seams, cracks, exhausts, etc to escape the heat and set up camp.

Question 2 yeah I would recommend a synthetic product like trex or something similar.

[SD Realtor]

First off you need to be much more precise on your documentation. What exactly does seller pay closing costs mean? Does that mean the seller will pay as many points up front for you to buy down your loan? Does this mean the seller will not pay any points to buy down your loan?

Second off sellers agent is the sellers brother and a mortgage broker. You are asking us if it is worth it to use him because you are being steadfast and not paying closing costs? Hmmm lets see… I don’t wanna pay a few thousand up front but am willing to get a p.o.s loan that will cost me thousands in interest over the next few years. That makes sense to you?

Have you shopped the loan to come up with competitive rates and closing costs so you can at least compare?

Seems to me that with a little bit of homework you can actually answer the questions yourself rather then posting them here.

Also you should be much more precise in what is covered and what is not. Recurring AND non recurring closing costs? Points buy down? If you put the homeowners insurance payment in escrow as a closing cost is that covered?

I am sorry if I am coming down hard on you but I am just shaking my head at this point. Between yourself and your realtor you should be doing a heck of alot of a better job defining what the heck is going on here.

[SD Realtor]

First off you need to be much more precise on your documentation. What exactly does seller pay closing costs mean? Does that mean the seller will pay as many points up front for you to buy down your loan? Does this mean the seller will not pay any points to buy down your loan?

Second off sellers agent is the sellers brother and a mortgage broker. You are asking us if it is worth it to use him because you are being steadfast and not paying closing costs? Hmmm lets see… I don’t wanna pay a few thousand up front but am willing to get a p.o.s loan that will cost me thousands in interest over the next few years. That makes sense to you?

Have you shopped the loan to come up with competitive rates and closing costs so you can at least compare?

Seems to me that with a little bit of homework you can actually answer the questions yourself rather then posting them here.

Also you should be much more precise in what is covered and what is not. Recurring AND non recurring closing costs? Points buy down? If you put the homeowners insurance payment in escrow as a closing cost is that covered?

I am sorry if I am coming down hard on you but I am just shaking my head at this point. Between yourself and your realtor you should be doing a heck of alot of a better job defining what the heck is going on here.

[SD Realtor]

First off you need to be much more precise on your documentation. What exactly does seller pay closing costs mean? Does that mean the seller will pay as many points up front for you to buy down your loan? Does this mean the seller will not pay any points to buy down your loan?

Second off sellers agent is the sellers brother and a mortgage broker. You are asking us if it is worth it to use him because you are being steadfast and not paying closing costs? Hmmm lets see… I don’t wanna pay a few thousand up front but am willing to get a p.o.s loan that will cost me thousands in interest over the next few years. That makes sense to you?

Have you shopped the loan to come up with competitive rates and closing costs so you can at least compare?

Seems to me that with a little bit of homework you can actually answer the questions yourself rather then posting them here.

Also you should be much more precise in what is covered and what is not. Recurring AND non recurring closing costs? Points buy down? If you put the homeowners insurance payment in escrow as a closing cost is that covered?

I am sorry if I am coming down hard on you but I am just shaking my head at this point. Between yourself and your realtor you should be doing a heck of alot of a better job defining what the heck is going on here.

[SD Realtor]

First off you need to be much more precise on your documentation. What exactly does seller pay closing costs mean? Does that mean the seller will pay as many points up front for you to buy down your loan? Does this mean the seller will not pay any points to buy down your loan?

Second off sellers agent is the sellers brother and a mortgage broker. You are asking us if it is worth it to use him because you are being steadfast and not paying closing costs? Hmmm lets see… I don’t wanna pay a few thousand up front but am willing to get a p.o.s loan that will cost me thousands in interest over the next few years. That makes sense to you?

Have you shopped the loan to come up with competitive rates and closing costs so you can at least compare?

Seems to me that with a little bit of homework you can actually answer the questions yourself rather then posting them here.

Also you should be much more precise in what is covered and what is not. Recurring AND non recurring closing costs? Points buy down? If you put the homeowners insurance payment in escrow as a closing cost is that covered?

I am sorry if I am coming down hard on you but I am just shaking my head at this point. Between yourself and your realtor you should be doing a heck of alot of a better job defining what the heck is going on here.

[SD Realtor]

First off you need to be much more precise on your documentation. What exactly does seller pay closing costs mean? Does that mean the seller will pay as many points up front for you to buy down your loan? Does this mean the seller will not pay any points to buy down your loan?

Second off sellers agent is the sellers brother and a mortgage broker. You are asking us if it is worth it to use him because you are being steadfast and not paying closing costs? Hmmm lets see… I don’t wanna pay a few thousand up front but am willing to get a p.o.s loan that will cost me thousands in interest over the next few years. That makes sense to you?

Have you shopped the loan to come up with competitive rates and closing costs so you can at least compare?

Seems to me that with a little bit of homework you can actually answer the questions yourself rather then posting them here.

Also you should be much more precise in what is covered and what is not. Recurring AND non recurring closing costs? Points buy down? If you put the homeowners insurance payment in escrow as a closing cost is that covered?

I am sorry if I am coming down hard on you but I am just shaking my head at this point. Between yourself and your realtor you should be doing a heck of alot of a better job defining what the heck is going on here.

[SD Realtor]

Kind of helps when you have jobs so that people need to go to those transportation hubs to come visit.

As much as everyone hates to hear it, unless you enhance opportunities for corporations to operate in the USA the more jobs will leave our country.

http://www.businessinsider.com/intel-ceo-blasts-obama-administration-says-anti-business-policies-are-killing-the-country-2010-8

The link above blasts democrats but in all honesty both parties have succeeded in alienating business.

Then again we can invest all this money in roads and railways so all the rich foreign businessmen can come and take the train from the airport.

***********

Getting to the point of the original post, I agree with Rich. Letting the market operate unconstrained, or in that long lost terminology, a free market, while desired by us all, is truly a pipe dream.

[Author]

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