[temeculaguy]

Obviously they lied to me when I got here, none of my rent has ever been used to pay the mortgage. I think they are probably three months behind, listed it as a short about a month ago. No action on the short and they never followed through with the hardship letter or other docs which if they don’t get in by next week, lender said it will nod. I am guessing it’s two or three months because that is how far behind the HOA is, I was offered to bring the hoa up to date in order to get my name on the gated entry so thats why I’m guessing it’s about two to three, their escrow stopped paying it. I’m also a tricky bastard and I find stuff out, the nod is coming soon.

Based on what you both wrote, I will easily be able to stay here through what I’ve paid for and may be able to negotiate with the landlord to stay longer if needed. I’m trying to avoid moving twice.

[temeculaguy]

Obviously they lied to me when I got here, none of my rent has ever been used to pay the mortgage. I think they are probably three months behind, listed it as a short about a month ago. No action on the short and they never followed through with the hardship letter or other docs which if they don’t get in by next week, lender said it will nod. I am guessing it’s two or three months because that is how far behind the HOA is, I was offered to bring the hoa up to date in order to get my name on the gated entry so thats why I’m guessing it’s about two to three, their escrow stopped paying it. I’m also a tricky bastard and I find stuff out, the nod is coming soon.

Based on what you both wrote, I will easily be able to stay here through what I’ve paid for and may be able to negotiate with the landlord to stay longer if needed. I’m trying to avoid moving twice.

[temeculaguy]

Obviously they lied to me when I got here, none of my rent has ever been used to pay the mortgage. I think they are probably three months behind, listed it as a short about a month ago. No action on the short and they never followed through with the hardship letter or other docs which if they don’t get in by next week, lender said it will nod. I am guessing it’s two or three months because that is how far behind the HOA is, I was offered to bring the hoa up to date in order to get my name on the gated entry so thats why I’m guessing it’s about two to three, their escrow stopped paying it. I’m also a tricky bastard and I find stuff out, the nod is coming soon.

Based on what you both wrote, I will easily be able to stay here through what I’ve paid for and may be able to negotiate with the landlord to stay longer if needed. I’m trying to avoid moving twice.

[temeculaguy]

Obviously they lied to me when I got here, none of my rent has ever been used to pay the mortgage. I think they are probably three months behind, listed it as a short about a month ago. No action on the short and they never followed through with the hardship letter or other docs which if they don’t get in by next week, lender said it will nod. I am guessing it’s two or three months because that is how far behind the HOA is, I was offered to bring the hoa up to date in order to get my name on the gated entry so thats why I’m guessing it’s about two to three, their escrow stopped paying it. I’m also a tricky bastard and I find stuff out, the nod is coming soon.

Based on what you both wrote, I will easily be able to stay here through what I’ve paid for and may be able to negotiate with the landlord to stay longer if needed. I’m trying to avoid moving twice.

[temeculaguy]

Obviously they lied to me when I got here, none of my rent has ever been used to pay the mortgage. I think they are probably three months behind, listed it as a short about a month ago. No action on the short and they never followed through with the hardship letter or other docs which if they don’t get in by next week, lender said it will nod. I am guessing it’s two or three months because that is how far behind the HOA is, I was offered to bring the hoa up to date in order to get my name on the gated entry so thats why I’m guessing it’s about two to three, their escrow stopped paying it. I’m also a tricky bastard and I find stuff out, the nod is coming soon.

Based on what you both wrote, I will easily be able to stay here through what I’ve paid for and may be able to negotiate with the landlord to stay longer if needed. I’m trying to avoid moving twice.

[temeculaguy]

Good to see Perrychase again. Homesearcher, I was looking at some stan pac stuff in my neck of the woods and it’s less than half done and I’m worried that they will not be in business much longer. For SFR’s it’s annoying when the builder goes belly up, but for a condo it’s a disaster. Their stock is at about $3, roughly 10 cents on the dollar from a year earlier and they are losing $6 a share per year for a $3 stock. They are having a hard time borrowing money and I think it’s a matter of time before they close shop. How far along is the Gianni project. Someone else may pick it up and finish it off but that can go bad, having smaller and cheaper units or having to wait a long time and the owners having to foot much higher HOA dues in the meantime.

The real question is can you afford it, what is your downpayment and what kind of loan are you getting. If you can’t say that you are putting down 20% 30 yr fixed and the mortgage/utilities cannot be easlily made with the net pay of one of your paychecks, not counting her income at all, then don’t do it. First it’s I want a house, then another kid, then I don’t want to work, that train is never late.

It’s too late to give the real advice you needed (don’t ever marry, don’t have babies until after you buy a home, etc.) so I will give you the best piece of advice I can think of. DISTRACT HER. Don’t let her ever see model homes, plan activites during the operating hours, join a civic organization, take up a new hobby, but for god’s sake keep her away from decorated models. Most women have no power to resist the fantasy that models represent, especially those with an increased hormone level. Model homes are fairy tales, soap operas and fasion magazines all rolled into one. The closest analogy for men would be a car dealer or internet porn. I understand the power of the car dealer so I just don’t go there or I’ll end up buying a car I don’t need, happens every time. Of course porn is good for you so I’ll leave that one out, but you get the drift.

If you allow her needs/wants to push aside your logic, you have started a trend that I guarantee will not end until the day you find yourself in a courtroom and even then it doesn’t really end.

[temeculaguy]

Good to see Perrychase again. Homesearcher, I was looking at some stan pac stuff in my neck of the woods and it’s less than half done and I’m worried that they will not be in business much longer. For SFR’s it’s annoying when the builder goes belly up, but for a condo it’s a disaster. Their stock is at about $3, roughly 10 cents on the dollar from a year earlier and they are losing $6 a share per year for a $3 stock. They are having a hard time borrowing money and I think it’s a matter of time before they close shop. How far along is the Gianni project. Someone else may pick it up and finish it off but that can go bad, having smaller and cheaper units or having to wait a long time and the owners having to foot much higher HOA dues in the meantime.

The real question is can you afford it, what is your downpayment and what kind of loan are you getting. If you can’t say that you are putting down 20% 30 yr fixed and the mortgage/utilities cannot be easlily made with the net pay of one of your paychecks, not counting her income at all, then don’t do it. First it’s I want a house, then another kid, then I don’t want to work, that train is never late.

It’s too late to give the real advice you needed (don’t ever marry, don’t have babies until after you buy a home, etc.) so I will give you the best piece of advice I can think of. DISTRACT HER. Don’t let her ever see model homes, plan activites during the operating hours, join a civic organization, take up a new hobby, but for god’s sake keep her away from decorated models. Most women have no power to resist the fantasy that models represent, especially those with an increased hormone level. Model homes are fairy tales, soap operas and fasion magazines all rolled into one. The closest analogy for men would be a car dealer or internet porn. I understand the power of the car dealer so I just don’t go there or I’ll end up buying a car I don’t need, happens every time. Of course porn is good for you so I’ll leave that one out, but you get the drift.

If you allow her needs/wants to push aside your logic, you have started a trend that I guarantee will not end until the day you find yourself in a courtroom and even then it doesn’t really end.

[temeculaguy]

Good to see Perrychase again. Homesearcher, I was looking at some stan pac stuff in my neck of the woods and it’s less than half done and I’m worried that they will not be in business much longer. For SFR’s it’s annoying when the builder goes belly up, but for a condo it’s a disaster. Their stock is at about $3, roughly 10 cents on the dollar from a year earlier and they are losing $6 a share per year for a $3 stock. They are having a hard time borrowing money and I think it’s a matter of time before they close shop. How far along is the Gianni project. Someone else may pick it up and finish it off but that can go bad, having smaller and cheaper units or having to wait a long time and the owners having to foot much higher HOA dues in the meantime.

The real question is can you afford it, what is your downpayment and what kind of loan are you getting. If you can’t say that you are putting down 20% 30 yr fixed and the mortgage/utilities cannot be easlily made with the net pay of one of your paychecks, not counting her income at all, then don’t do it. First it’s I want a house, then another kid, then I don’t want to work, that train is never late.

It’s too late to give the real advice you needed (don’t ever marry, don’t have babies until after you buy a home, etc.) so I will give you the best piece of advice I can think of. DISTRACT HER. Don’t let her ever see model homes, plan activites during the operating hours, join a civic organization, take up a new hobby, but for god’s sake keep her away from decorated models. Most women have no power to resist the fantasy that models represent, especially those with an increased hormone level. Model homes are fairy tales, soap operas and fasion magazines all rolled into one. The closest analogy for men would be a car dealer or internet porn. I understand the power of the car dealer so I just don’t go there or I’ll end up buying a car I don’t need, happens every time. Of course porn is good for you so I’ll leave that one out, but you get the drift.

If you allow her needs/wants to push aside your logic, you have started a trend that I guarantee will not end until the day you find yourself in a courtroom and even then it doesn’t really end.

[temeculaguy]

Good to see Perrychase again. Homesearcher, I was looking at some stan pac stuff in my neck of the woods and it’s less than half done and I’m worried that they will not be in business much longer. For SFR’s it’s annoying when the builder goes belly up, but for a condo it’s a disaster. Their stock is at about $3, roughly 10 cents on the dollar from a year earlier and they are losing $6 a share per year for a $3 stock. They are having a hard time borrowing money and I think it’s a matter of time before they close shop. How far along is the Gianni project. Someone else may pick it up and finish it off but that can go bad, having smaller and cheaper units or having to wait a long time and the owners having to foot much higher HOA dues in the meantime.

The real question is can you afford it, what is your downpayment and what kind of loan are you getting. If you can’t say that you are putting down 20% 30 yr fixed and the mortgage/utilities cannot be easlily made with the net pay of one of your paychecks, not counting her income at all, then don’t do it. First it’s I want a house, then another kid, then I don’t want to work, that train is never late.

It’s too late to give the real advice you needed (don’t ever marry, don’t have babies until after you buy a home, etc.) so I will give you the best piece of advice I can think of. DISTRACT HER. Don’t let her ever see model homes, plan activites during the operating hours, join a civic organization, take up a new hobby, but for god’s sake keep her away from decorated models. Most women have no power to resist the fantasy that models represent, especially those with an increased hormone level. Model homes are fairy tales, soap operas and fasion magazines all rolled into one. The closest analogy for men would be a car dealer or internet porn. I understand the power of the car dealer so I just don’t go there or I’ll end up buying a car I don’t need, happens every time. Of course porn is good for you so I’ll leave that one out, but you get the drift.

If you allow her needs/wants to push aside your logic, you have started a trend that I guarantee will not end until the day you find yourself in a courtroom and even then it doesn’t really end.

[temeculaguy]

Good to see Perrychase again. Homesearcher, I was looking at some stan pac stuff in my neck of the woods and it’s less than half done and I’m worried that they will not be in business much longer. For SFR’s it’s annoying when the builder goes belly up, but for a condo it’s a disaster. Their stock is at about $3, roughly 10 cents on the dollar from a year earlier and they are losing $6 a share per year for a $3 stock. They are having a hard time borrowing money and I think it’s a matter of time before they close shop. How far along is the Gianni project. Someone else may pick it up and finish it off but that can go bad, having smaller and cheaper units or having to wait a long time and the owners having to foot much higher HOA dues in the meantime.

The real question is can you afford it, what is your downpayment and what kind of loan are you getting. If you can’t say that you are putting down 20% 30 yr fixed and the mortgage/utilities cannot be easlily made with the net pay of one of your paychecks, not counting her income at all, then don’t do it. First it’s I want a house, then another kid, then I don’t want to work, that train is never late.

It’s too late to give the real advice you needed (don’t ever marry, don’t have babies until after you buy a home, etc.) so I will give you the best piece of advice I can think of. DISTRACT HER. Don’t let her ever see model homes, plan activites during the operating hours, join a civic organization, take up a new hobby, but for god’s sake keep her away from decorated models. Most women have no power to resist the fantasy that models represent, especially those with an increased hormone level. Model homes are fairy tales, soap operas and fasion magazines all rolled into one. The closest analogy for men would be a car dealer or internet porn. I understand the power of the car dealer so I just don’t go there or I’ll end up buying a car I don’t need, happens every time. Of course porn is good for you so I’ll leave that one out, but you get the drift.

If you allow her needs/wants to push aside your logic, you have started a trend that I guarantee will not end until the day you find yourself in a courtroom and even then it doesn’t really end.

[temeculaguy]

Has anyone else here had an FHA loan. I had one long ago and perhaps things have changed but I remember it was expensive and difficult to get. The interest rate was slightly higher than the market, the PMI had to be paid in a lump sum and then financed so it never really went away and they were very strict about qualifications, including making the builder jump through hoops at stages during construction. When I sold that house my realtor had a printout advising me that if I sold to an FHA buyer I would net a few thousand less than if sold to a conventional buyer so we would need to accept a higher offer it the buyer had an FHA loan to reach my goal for net proceeds. I still don’t remember why I used them but I think it was because they were liberal about me being young and having such a short credit and employment history, I can’t remember because my adult ADD is acting up but I was about two weeks out of college when I bought my first house and they were the lender of last resort. Ahh, college kids buying houses right out of school and not defaulting on the loan, the good ole days were actually….good.

[temeculaguy]

Has anyone else here had an FHA loan. I had one long ago and perhaps things have changed but I remember it was expensive and difficult to get. The interest rate was slightly higher than the market, the PMI had to be paid in a lump sum and then financed so it never really went away and they were very strict about qualifications, including making the builder jump through hoops at stages during construction. When I sold that house my realtor had a printout advising me that if I sold to an FHA buyer I would net a few thousand less than if sold to a conventional buyer so we would need to accept a higher offer it the buyer had an FHA loan to reach my goal for net proceeds. I still don’t remember why I used them but I think it was because they were liberal about me being young and having such a short credit and employment history, I can’t remember because my adult ADD is acting up but I was about two weeks out of college when I bought my first house and they were the lender of last resort. Ahh, college kids buying houses right out of school and not defaulting on the loan, the good ole days were actually….good.

[temeculaguy]

Has anyone else here had an FHA loan. I had one long ago and perhaps things have changed but I remember it was expensive and difficult to get. The interest rate was slightly higher than the market, the PMI had to be paid in a lump sum and then financed so it never really went away and they were very strict about qualifications, including making the builder jump through hoops at stages during construction. When I sold that house my realtor had a printout advising me that if I sold to an FHA buyer I would net a few thousand less than if sold to a conventional buyer so we would need to accept a higher offer it the buyer had an FHA loan to reach my goal for net proceeds. I still don’t remember why I used them but I think it was because they were liberal about me being young and having such a short credit and employment history, I can’t remember because my adult ADD is acting up but I was about two weeks out of college when I bought my first house and they were the lender of last resort. Ahh, college kids buying houses right out of school and not defaulting on the loan, the good ole days were actually….good.

[temeculaguy]

Has anyone else here had an FHA loan. I had one long ago and perhaps things have changed but I remember it was expensive and difficult to get. The interest rate was slightly higher than the market, the PMI had to be paid in a lump sum and then financed so it never really went away and they were very strict about qualifications, including making the builder jump through hoops at stages during construction. When I sold that house my realtor had a printout advising me that if I sold to an FHA buyer I would net a few thousand less than if sold to a conventional buyer so we would need to accept a higher offer it the buyer had an FHA loan to reach my goal for net proceeds. I still don’t remember why I used them but I think it was because they were liberal about me being young and having such a short credit and employment history, I can’t remember because my adult ADD is acting up but I was about two weeks out of college when I bought my first house and they were the lender of last resort. Ahh, college kids buying houses right out of school and not defaulting on the loan, the good ole days were actually….good.

[temeculaguy]

Has anyone else here had an FHA loan. I had one long ago and perhaps things have changed but I remember it was expensive and difficult to get. The interest rate was slightly higher than the market, the PMI had to be paid in a lump sum and then financed so it never really went away and they were very strict about qualifications, including making the builder jump through hoops at stages during construction. When I sold that house my realtor had a printout advising me that if I sold to an FHA buyer I would net a few thousand less than if sold to a conventional buyer so we would need to accept a higher offer it the buyer had an FHA loan to reach my goal for net proceeds. I still don’t remember why I used them but I think it was because they were liberal about me being young and having such a short credit and employment history, I can’t remember because my adult ADD is acting up but I was about two weeks out of college when I bought my first house and they were the lender of last resort. Ahh, college kids buying houses right out of school and not defaulting on the loan, the good ole days were actually….good.

[Author]

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