[temeculaguy]

I was typing at the same time as mortgage mentor, why do you list 1.75 when fha’s website says 1.5?

[temeculaguy]

I was typing at the same time as mortgage mentor, why do you list 1.75 when fha’s website says 1.5?

[temeculaguy]

I was typing at the same time as mortgage mentor, why do you list 1.75 when fha’s website says 1.5?

[temeculaguy]

I was typing at the same time as mortgage mentor, why do you list 1.75 when fha’s website says 1.5?

[temeculaguy]

talk to hls, at 10%, fha might not be the most cost effective, at 3.5 or 5% it has more merits.

There are two costs to fha PMI and they are unique to fha, there is upfront fee and a monthly.

http://www.fha.com/mortgage_insurance.cfm

1.5% upfront insurance premium and
.5% annual premium paid monthly

so 6k upfront and 2k per year or $170/mo on top of that.

You can get the seller to pay the 6k as part of the deal and then you pay the $170 until you get to the required equity level.

[temeculaguy]

talk to hls, at 10%, fha might not be the most cost effective, at 3.5 or 5% it has more merits.

There are two costs to fha PMI and they are unique to fha, there is upfront fee and a monthly.

http://www.fha.com/mortgage_insurance.cfm

1.5% upfront insurance premium and
.5% annual premium paid monthly

so 6k upfront and 2k per year or $170/mo on top of that.

You can get the seller to pay the 6k as part of the deal and then you pay the $170 until you get to the required equity level.

[temeculaguy]

talk to hls, at 10%, fha might not be the most cost effective, at 3.5 or 5% it has more merits.

There are two costs to fha PMI and they are unique to fha, there is upfront fee and a monthly.

http://www.fha.com/mortgage_insurance.cfm

1.5% upfront insurance premium and
.5% annual premium paid monthly

so 6k upfront and 2k per year or $170/mo on top of that.

You can get the seller to pay the 6k as part of the deal and then you pay the $170 until you get to the required equity level.

[temeculaguy]

talk to hls, at 10%, fha might not be the most cost effective, at 3.5 or 5% it has more merits.

There are two costs to fha PMI and they are unique to fha, there is upfront fee and a monthly.

http://www.fha.com/mortgage_insurance.cfm

1.5% upfront insurance premium and
.5% annual premium paid monthly

so 6k upfront and 2k per year or $170/mo on top of that.

You can get the seller to pay the 6k as part of the deal and then you pay the $170 until you get to the required equity level.

[temeculaguy]

talk to hls, at 10%, fha might not be the most cost effective, at 3.5 or 5% it has more merits.

There are two costs to fha PMI and they are unique to fha, there is upfront fee and a monthly.

http://www.fha.com/mortgage_insurance.cfm

1.5% upfront insurance premium and
.5% annual premium paid monthly

so 6k upfront and 2k per year or $170/mo on top of that.

You can get the seller to pay the 6k as part of the deal and then you pay the $170 until you get to the required equity level.

[temeculaguy]

This thread jumped back up and since I didn’t pay much attention to it when it was hot, I read the whole thing. Now that the website is down, it’s obvious that is was a scam, but it should have been obvious all along. Can I point out the lesson here? Piggies are pretty smart folk, props to pri_dk for calling Sarah out for who she is and props to all the others that brought it. If you are a spammer or have an business interest that is being attacked or questioned, let me warn you, and heed this warning. You might be smarter than most or all of the people that you encounter in life and online, but that shit won’t work here. Together, and probably individually, we are smarter than you, if you you were all that, you wouldn’t need to deceive. You might think that you will create a screen name and play along awhile, then when you are trusted, you can pull the wool over some people’s eyes. My warning, It’s better to just avoid this place, it doesn’t work, because there is no collection online that I am aware of that is dominated by such intelligent minds, rabid researchers and outright cynics. These are the few folks who don’t drink koolaid, we attack each other for smelling koolaid or even admiring the pretty colors, your jedi mind tricks will not work here and if it were a twilight zone episode, we figured out that it is a cookbook. As a gentleman, I’ll refrain from making threats to sarah or anyone contemplating a similar stunt, let me just say that would be bad.

[temeculaguy]

This thread jumped back up and since I didn’t pay much attention to it when it was hot, I read the whole thing. Now that the website is down, it’s obvious that is was a scam, but it should have been obvious all along. Can I point out the lesson here? Piggies are pretty smart folk, props to pri_dk for calling Sarah out for who she is and props to all the others that brought it. If you are a spammer or have an business interest that is being attacked or questioned, let me warn you, and heed this warning. You might be smarter than most or all of the people that you encounter in life and online, but that shit won’t work here. Together, and probably individually, we are smarter than you, if you you were all that, you wouldn’t need to deceive. You might think that you will create a screen name and play along awhile, then when you are trusted, you can pull the wool over some people’s eyes. My warning, It’s better to just avoid this place, it doesn’t work, because there is no collection online that I am aware of that is dominated by such intelligent minds, rabid researchers and outright cynics. These are the few folks who don’t drink koolaid, we attack each other for smelling koolaid or even admiring the pretty colors, your jedi mind tricks will not work here and if it were a twilight zone episode, we figured out that it is a cookbook. As a gentleman, I’ll refrain from making threats to sarah or anyone contemplating a similar stunt, let me just say that would be bad.

[temeculaguy]

This thread jumped back up and since I didn’t pay much attention to it when it was hot, I read the whole thing. Now that the website is down, it’s obvious that is was a scam, but it should have been obvious all along. Can I point out the lesson here? Piggies are pretty smart folk, props to pri_dk for calling Sarah out for who she is and props to all the others that brought it. If you are a spammer or have an business interest that is being attacked or questioned, let me warn you, and heed this warning. You might be smarter than most or all of the people that you encounter in life and online, but that shit won’t work here. Together, and probably individually, we are smarter than you, if you you were all that, you wouldn’t need to deceive. You might think that you will create a screen name and play along awhile, then when you are trusted, you can pull the wool over some people’s eyes. My warning, It’s better to just avoid this place, it doesn’t work, because there is no collection online that I am aware of that is dominated by such intelligent minds, rabid researchers and outright cynics. These are the few folks who don’t drink koolaid, we attack each other for smelling koolaid or even admiring the pretty colors, your jedi mind tricks will not work here and if it were a twilight zone episode, we figured out that it is a cookbook. As a gentleman, I’ll refrain from making threats to sarah or anyone contemplating a similar stunt, let me just say that would be bad.

[temeculaguy]

This thread jumped back up and since I didn’t pay much attention to it when it was hot, I read the whole thing. Now that the website is down, it’s obvious that is was a scam, but it should have been obvious all along. Can I point out the lesson here? Piggies are pretty smart folk, props to pri_dk for calling Sarah out for who she is and props to all the others that brought it. If you are a spammer or have an business interest that is being attacked or questioned, let me warn you, and heed this warning. You might be smarter than most or all of the people that you encounter in life and online, but that shit won’t work here. Together, and probably individually, we are smarter than you, if you you were all that, you wouldn’t need to deceive. You might think that you will create a screen name and play along awhile, then when you are trusted, you can pull the wool over some people’s eyes. My warning, It’s better to just avoid this place, it doesn’t work, because there is no collection online that I am aware of that is dominated by such intelligent minds, rabid researchers and outright cynics. These are the few folks who don’t drink koolaid, we attack each other for smelling koolaid or even admiring the pretty colors, your jedi mind tricks will not work here and if it were a twilight zone episode, we figured out that it is a cookbook. As a gentleman, I’ll refrain from making threats to sarah or anyone contemplating a similar stunt, let me just say that would be bad.

[temeculaguy]

This thread jumped back up and since I didn’t pay much attention to it when it was hot, I read the whole thing. Now that the website is down, it’s obvious that is was a scam, but it should have been obvious all along. Can I point out the lesson here? Piggies are pretty smart folk, props to pri_dk for calling Sarah out for who she is and props to all the others that brought it. If you are a spammer or have an business interest that is being attacked or questioned, let me warn you, and heed this warning. You might be smarter than most or all of the people that you encounter in life and online, but that shit won’t work here. Together, and probably individually, we are smarter than you, if you you were all that, you wouldn’t need to deceive. You might think that you will create a screen name and play along awhile, then when you are trusted, you can pull the wool over some people’s eyes. My warning, It’s better to just avoid this place, it doesn’t work, because there is no collection online that I am aware of that is dominated by such intelligent minds, rabid researchers and outright cynics. These are the few folks who don’t drink koolaid, we attack each other for smelling koolaid or even admiring the pretty colors, your jedi mind tricks will not work here and if it were a twilight zone episode, we figured out that it is a cookbook. As a gentleman, I’ll refrain from making threats to sarah or anyone contemplating a similar stunt, let me just say that would be bad.

[temeculaguy]

I think there are a few varieties of ice plant, some don’t grow into the mounds or flower as much, the one that kinda grows diagnonally is pretty cool and doesn’t go brown in summer. I dig the kind that looks like purple snow a few weeks a year, imo, they beat red apple which tends to overgrow. Like the others said, these types of ground cover are common because they do well in heat, use little water and make for a great fire break.

Do your best to avoid POMPUS GRASS, I can’t believe they even sell it at home depot because it is a weed and not native, that is a rat paradise and a fire hazzard. Plus it’s near impossible to get rid of without nuclear weapons, I think it uses round-up like plant food and it spreads like crazy, try to cut it and it will cut you back with it’s razor sharp leaves. The last time I battled one I swear it said “feed me seymore.”

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