[temeculaguy]

Cafe, how old are you, are you married, do you have kids and if not are any of these things possibilities in the next 5-10 years? The answers will affect my advice.

You can get away with 3% and can work all kinds of deals with the closing costs, so that can vary, but you can squeak in with 25k total and keep your safety net. Ignore the 401k money, that’s not part of this formula.

But the real question is, are you a 500k homeshopper and my answer is no, I apologize but that’s my advice.

I’m not even good telling you to look at 400k, not even 350k.

If you are going minimal down, and you make 100k, your ceiling is 300-325k, 3x earnings borrowed max, the ultimate fundamental.

Pushing you inland??? You are gonna get more than pushed baby, welcome to Temecula!!!!

[temeculaguy]

Cafe, how old are you, are you married, do you have kids and if not are any of these things possibilities in the next 5-10 years? The answers will affect my advice.

You can get away with 3% and can work all kinds of deals with the closing costs, so that can vary, but you can squeak in with 25k total and keep your safety net. Ignore the 401k money, that’s not part of this formula.

But the real question is, are you a 500k homeshopper and my answer is no, I apologize but that’s my advice.

I’m not even good telling you to look at 400k, not even 350k.

If you are going minimal down, and you make 100k, your ceiling is 300-325k, 3x earnings borrowed max, the ultimate fundamental.

Pushing you inland??? You are gonna get more than pushed baby, welcome to Temecula!!!!

[temeculaguy]

Cafe, how old are you, are you married, do you have kids and if not are any of these things possibilities in the next 5-10 years? The answers will affect my advice.

You can get away with 3% and can work all kinds of deals with the closing costs, so that can vary, but you can squeak in with 25k total and keep your safety net. Ignore the 401k money, that’s not part of this formula.

But the real question is, are you a 500k homeshopper and my answer is no, I apologize but that’s my advice.

I’m not even good telling you to look at 400k, not even 350k.

If you are going minimal down, and you make 100k, your ceiling is 300-325k, 3x earnings borrowed max, the ultimate fundamental.

Pushing you inland??? You are gonna get more than pushed baby, welcome to Temecula!!!!

[temeculaguy]

Cafe, how old are you, are you married, do you have kids and if not are any of these things possibilities in the next 5-10 years? The answers will affect my advice.

You can get away with 3% and can work all kinds of deals with the closing costs, so that can vary, but you can squeak in with 25k total and keep your safety net. Ignore the 401k money, that’s not part of this formula.

But the real question is, are you a 500k homeshopper and my answer is no, I apologize but that’s my advice.

I’m not even good telling you to look at 400k, not even 350k.

If you are going minimal down, and you make 100k, your ceiling is 300-325k, 3x earnings borrowed max, the ultimate fundamental.

Pushing you inland??? You are gonna get more than pushed baby, welcome to Temecula!!!!

[temeculaguy]

Ed, after you decide where and what you want, look at who the listing agent or the listing office that seems to dominate that micro market. Call them directly, tell them what you want and get your money and loan ready to go. You will then be known as a “buyer in pocket,” and they know what is coming up for sale in the next few weeks. You will get to see it before it hits the mls and if it is what you want, it will go on the mls and be pending in minutes, to you. You can also hook up with another agent in their office, most realty shops have an alpha dog that has the listing hookup and a bunch of helpers, hook up with a helper. Do this for more than one office, but be sure to let them know you do not want to be represented by them if the listing is not from their office and only if you get some advance notice.

This does not work if you hem and haw about things, this only works if you have the money, the fresh loan approval and the gonads to buy something fast, without an inspection or your friends and relatives looking at it, I’m talking about the ability to buy a house in fifteen minutes on the first visit, you should have already done your research and know the neighborhood and floorplans. You want to beat the game, that is how you do it.

[temeculaguy]

Ed, after you decide where and what you want, look at who the listing agent or the listing office that seems to dominate that micro market. Call them directly, tell them what you want and get your money and loan ready to go. You will then be known as a “buyer in pocket,” and they know what is coming up for sale in the next few weeks. You will get to see it before it hits the mls and if it is what you want, it will go on the mls and be pending in minutes, to you. You can also hook up with another agent in their office, most realty shops have an alpha dog that has the listing hookup and a bunch of helpers, hook up with a helper. Do this for more than one office, but be sure to let them know you do not want to be represented by them if the listing is not from their office and only if you get some advance notice.

This does not work if you hem and haw about things, this only works if you have the money, the fresh loan approval and the gonads to buy something fast, without an inspection or your friends and relatives looking at it, I’m talking about the ability to buy a house in fifteen minutes on the first visit, you should have already done your research and know the neighborhood and floorplans. You want to beat the game, that is how you do it.

[temeculaguy]

Ed, after you decide where and what you want, look at who the listing agent or the listing office that seems to dominate that micro market. Call them directly, tell them what you want and get your money and loan ready to go. You will then be known as a “buyer in pocket,” and they know what is coming up for sale in the next few weeks. You will get to see it before it hits the mls and if it is what you want, it will go on the mls and be pending in minutes, to you. You can also hook up with another agent in their office, most realty shops have an alpha dog that has the listing hookup and a bunch of helpers, hook up with a helper. Do this for more than one office, but be sure to let them know you do not want to be represented by them if the listing is not from their office and only if you get some advance notice.

This does not work if you hem and haw about things, this only works if you have the money, the fresh loan approval and the gonads to buy something fast, without an inspection or your friends and relatives looking at it, I’m talking about the ability to buy a house in fifteen minutes on the first visit, you should have already done your research and know the neighborhood and floorplans. You want to beat the game, that is how you do it.

[temeculaguy]

Ed, after you decide where and what you want, look at who the listing agent or the listing office that seems to dominate that micro market. Call them directly, tell them what you want and get your money and loan ready to go. You will then be known as a “buyer in pocket,” and they know what is coming up for sale in the next few weeks. You will get to see it before it hits the mls and if it is what you want, it will go on the mls and be pending in minutes, to you. You can also hook up with another agent in their office, most realty shops have an alpha dog that has the listing hookup and a bunch of helpers, hook up with a helper. Do this for more than one office, but be sure to let them know you do not want to be represented by them if the listing is not from their office and only if you get some advance notice.

This does not work if you hem and haw about things, this only works if you have the money, the fresh loan approval and the gonads to buy something fast, without an inspection or your friends and relatives looking at it, I’m talking about the ability to buy a house in fifteen minutes on the first visit, you should have already done your research and know the neighborhood and floorplans. You want to beat the game, that is how you do it.

[temeculaguy]

Ed, after you decide where and what you want, look at who the listing agent or the listing office that seems to dominate that micro market. Call them directly, tell them what you want and get your money and loan ready to go. You will then be known as a “buyer in pocket,” and they know what is coming up for sale in the next few weeks. You will get to see it before it hits the mls and if it is what you want, it will go on the mls and be pending in minutes, to you. You can also hook up with another agent in their office, most realty shops have an alpha dog that has the listing hookup and a bunch of helpers, hook up with a helper. Do this for more than one office, but be sure to let them know you do not want to be represented by them if the listing is not from their office and only if you get some advance notice.

This does not work if you hem and haw about things, this only works if you have the money, the fresh loan approval and the gonads to buy something fast, without an inspection or your friends and relatives looking at it, I’m talking about the ability to buy a house in fifteen minutes on the first visit, you should have already done your research and know the neighborhood and floorplans. You want to beat the game, that is how you do it.

[temeculaguy]

We’ve been talking about Schiff and Europacific capital for years. It’s kool-aid, it’s just a different flavor.

http://piggington.com/hilarious_videopeter_schiff_cleans_art_laffleurs_clock#comment-121670

http://piggington.com/peter_schiff_on_the_latest_in_the_markets

http://piggington.com/mr_doom_peter_schiff_was_wrong

I searched my own comments going back to 2007, I liked some of things he said back then, but other piggies punched holes in his theories, going back years. As the years rolled on, he lost his shine, little by little.

Schiff and Euro Pac is alot like when I am at the pub and I’ve had a few too many. Then I notice a woman with some incredible cleavage, I’m hypnotized because it’s what my mind wants in my current state. I generally regret it later when my state of mind returns to normal and I learn about the rest of package. If you are angry with the U.S., if you are disenfranshised a little, his words ring true. Later you see the reality when your statement arrives.

It doesn’t mean you are a bad person or a dumb person because you believe a pitchman, nor does it make me a bad or dumb person because I have a penchant for voluptuous women, it is what it is, just learn from it and try to be smarter then next time, or just find peace in your own weaknesses.

[temeculaguy]

We’ve been talking about Schiff and Europacific capital for years. It’s kool-aid, it’s just a different flavor.

http://piggington.com/hilarious_videopeter_schiff_cleans_art_laffleurs_clock#comment-121670

http://piggington.com/peter_schiff_on_the_latest_in_the_markets

http://piggington.com/mr_doom_peter_schiff_was_wrong

I searched my own comments going back to 2007, I liked some of things he said back then, but other piggies punched holes in his theories, going back years. As the years rolled on, he lost his shine, little by little.

Schiff and Euro Pac is alot like when I am at the pub and I’ve had a few too many. Then I notice a woman with some incredible cleavage, I’m hypnotized because it’s what my mind wants in my current state. I generally regret it later when my state of mind returns to normal and I learn about the rest of package. If you are angry with the U.S., if you are disenfranshised a little, his words ring true. Later you see the reality when your statement arrives.

It doesn’t mean you are a bad person or a dumb person because you believe a pitchman, nor does it make me a bad or dumb person because I have a penchant for voluptuous women, it is what it is, just learn from it and try to be smarter then next time, or just find peace in your own weaknesses.

[temeculaguy]

We’ve been talking about Schiff and Europacific capital for years. It’s kool-aid, it’s just a different flavor.

http://piggington.com/hilarious_videopeter_schiff_cleans_art_laffleurs_clock#comment-121670

http://piggington.com/peter_schiff_on_the_latest_in_the_markets

http://piggington.com/mr_doom_peter_schiff_was_wrong

I searched my own comments going back to 2007, I liked some of things he said back then, but other piggies punched holes in his theories, going back years. As the years rolled on, he lost his shine, little by little.

Schiff and Euro Pac is alot like when I am at the pub and I’ve had a few too many. Then I notice a woman with some incredible cleavage, I’m hypnotized because it’s what my mind wants in my current state. I generally regret it later when my state of mind returns to normal and I learn about the rest of package. If you are angry with the U.S., if you are disenfranshised a little, his words ring true. Later you see the reality when your statement arrives.

It doesn’t mean you are a bad person or a dumb person because you believe a pitchman, nor does it make me a bad or dumb person because I have a penchant for voluptuous women, it is what it is, just learn from it and try to be smarter then next time, or just find peace in your own weaknesses.

[temeculaguy]

We’ve been talking about Schiff and Europacific capital for years. It’s kool-aid, it’s just a different flavor.

http://piggington.com/hilarious_videopeter_schiff_cleans_art_laffleurs_clock#comment-121670

http://piggington.com/peter_schiff_on_the_latest_in_the_markets

http://piggington.com/mr_doom_peter_schiff_was_wrong

I searched my own comments going back to 2007, I liked some of things he said back then, but other piggies punched holes in his theories, going back years. As the years rolled on, he lost his shine, little by little.

Schiff and Euro Pac is alot like when I am at the pub and I’ve had a few too many. Then I notice a woman with some incredible cleavage, I’m hypnotized because it’s what my mind wants in my current state. I generally regret it later when my state of mind returns to normal and I learn about the rest of package. If you are angry with the U.S., if you are disenfranshised a little, his words ring true. Later you see the reality when your statement arrives.

It doesn’t mean you are a bad person or a dumb person because you believe a pitchman, nor does it make me a bad or dumb person because I have a penchant for voluptuous women, it is what it is, just learn from it and try to be smarter then next time, or just find peace in your own weaknesses.

[temeculaguy]

We’ve been talking about Schiff and Europacific capital for years. It’s kool-aid, it’s just a different flavor.

http://piggington.com/hilarious_videopeter_schiff_cleans_art_laffleurs_clock#comment-121670

http://piggington.com/peter_schiff_on_the_latest_in_the_markets

http://piggington.com/mr_doom_peter_schiff_was_wrong

I searched my own comments going back to 2007, I liked some of things he said back then, but other piggies punched holes in his theories, going back years. As the years rolled on, he lost his shine, little by little.

Schiff and Euro Pac is alot like when I am at the pub and I’ve had a few too many. Then I notice a woman with some incredible cleavage, I’m hypnotized because it’s what my mind wants in my current state. I generally regret it later when my state of mind returns to normal and I learn about the rest of package. If you are angry with the U.S., if you are disenfranshised a little, his words ring true. Later you see the reality when your statement arrives.

It doesn’t mean you are a bad person or a dumb person because you believe a pitchman, nor does it make me a bad or dumb person because I have a penchant for voluptuous women, it is what it is, just learn from it and try to be smarter then next time, or just find peace in your own weaknesses.

[temeculaguy]

A lot of times investors are llc’s or reit’s, meaning it’s a company name buying the house. If it’s an individual wanting to buy a single rental, then their other loan will show up on their credit report and they will have some splaining to do.

I’m sure a few people will pull it off but for the most part, the waiters and savers will get first crack at the repos, instead of the other way around. For months we’ve been hearing stories of people getting their offers overlooked, often times for a similar or lower offer from a cash investor, that is which they are looking to change and it’s a good thing.

Plus there will be addendums to the purchase contract that I’m guessing will list some warnings about defrauding the government and the penalties. Anyone can cheat on their taxes too, but most don’t because most white collar folk would prefer to steer clear of the pokey.

Since it seems that every idea or program coming from the fed has been making the problem worse, at least this one makes it better or does no harm at the very least. Since fannie/freddie has their hands in a good chunk of the potential repos, this could be one of those political feel good stories that they declare a success and expand upon, perhaps even mandate to others. It is also the first thing I’ve seen where it will be in their best interest to hurry up foreclosures to get families in the houses, who will spend money on them and pay taxes, something they also like.

Maybe it does nothing, but I’m guessing it ends up helping the piggington agenda.

[Author]

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