I got my house loan approved

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  • Slick
    Confirmed User
    • Feb 2001
    • 7338
    #1

    I got my house loan approved

    Well guys, thanks for the confidence in this thread I went out and actually got pre-approved with my credit union pretty easily then looked at the house a second time and popped in an offer for $235K which the sellers gladly accepted. The real estate agent said that the sellers were pretty happy to have sold the house so fast, it was only on the market for 1 week before I saw it

    I'll have to take some pics of it once we get in there I really only have the exterior shot from the other thread.
    Tags: None
    • wdsguy
      Ryde or Die
      • Dec 2002
      • 19568
      #2
      DUDE congrats on owning your first home!!

        Comment

        • koreanbbque
          Confirmed User
          • Dec 2003
          • 688
          #3
          Originally posted by Slick
          Well guys, thanks for the confidence in this thread I went out and actually got pre-approved with my credit union pretty easily then looked at the house a second time and popped in an offer for $235K which the sellers gladly accepted. The real estate agent said that the sellers were pretty happy to have sold the house so fast, it was only on the market for 1 week before I saw it

          I'll have to take some pics of it once we get in there I really only have the exterior shot from the other thread.
          Congrats on the your new home. I'm a new first time home owner as well. My escrow closed in late feb. it's a great and weird feeling having a home.

          KBBQ
          2 3 1 6 1 8 8 1 6

            Comment

            • boner 2.0
              Too lazy to set a custom title
              • Jul 2004
              • 10970
              #4
              Congrats

                Comment

                • spideriux
                  Registered User
                  • Feb 2005
                  • 17227
                  #5
                  Congrats man
                  FreeOnes

                    Comment

                    • V_RocKs
                      Damn Right I Kiss Ass!
                      • Nov 2003
                      • 32448
                      #6
                      Fucking nice! I am looking at buying a home towards the end of the year myself. Nice to see a fellow GFY'er 'making it'!

                        Comment

                        • Slick
                          Confirmed User
                          • Feb 2001
                          • 7338
                          #7
                          Thanks for all of the posts guys, I appreciate them.

                          It's a great feeling moving up to a house like that, it's like a dream

                            Comment

                            • r3ap3r
                              Confirmed User
                              • Jul 2004
                              • 3535
                              #8
                              Congrats on your first home.
                              Fuck My Sig Good
                              ICQ - 203744959

                                Comment

                                • Basic_man
                                  Programming King Pin
                                  • Oct 2003
                                  • 27360
                                  #9
                                  Holy fuck, nice house ! Congrats man !
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                                    • DateDoc
                                      Outside looking in.
                                      • Feb 2005
                                      • 14243
                                      #10
                                      That is awesome. Congrats man!

                                        Comment

                                        • Cassie
                                          Confirmed User
                                          • Mar 2003
                                          • 3139
                                          #11
                                          congrats on your home ownership!
                                          ICQ: 309756847
                                          ]

                                            Comment

                                            • Metalsound
                                              Confirmed User
                                              • Mar 2005
                                              • 880
                                              #12
                                              Congrats !!
                                              There are more important things than money . . .

                                              BUT THEY COST TOO MUCH

                                                Comment

                                                • Sosa
                                                  In Tushy Land
                                                  • Oct 2002
                                                  • 40149
                                                  #13
                                                  very nice, congrats. I'm hoping to find myself a nice place here soon.

                                                    Comment

                                                    • Sosa
                                                      In Tushy Land
                                                      • Oct 2002
                                                      • 40149
                                                      #14
                                                      by the way, what type of loan did you go for etc?

                                                        Comment

                                                        • Slick
                                                          Confirmed User
                                                          • Feb 2001
                                                          • 7338
                                                          #15
                                                          Originally posted by Sosa
                                                          by the way, what type of loan did you go for etc?
                                                          I got a 30 year fixed rate loan with 6.25% interest, so that's pretty good. I hope to have it paid off in the next 3 years though if all goes as planned.

                                                          Thanks again for the comments everyone

                                                            Comment

                                                            • Jimmie
                                                              Confirmed User
                                                              • Dec 2003
                                                              • 872
                                                              #16
                                                              congrats Slick... good to see a long time friend doing well.
                                                              Livin' Fat Cause I Aint On Speed....

                                                                Comment

                                                                • evildick
                                                                  #17
                                                                  Originally posted by Slick
                                                                  I got a 30 year fixed rate loan with 6.25% interest, so that's pretty good. I hope to have it paid off in the next 3 years though if all goes as planned.

                                                                  Thanks again for the comments everyone
                                                                  That seems kinda high for the interest rate if that is a mortgage. (or did you just get a regular loan?)

                                                                  I just checked BMO and their posted rate for a 5 year fixed is 5.79%, which means you can usually get one for 4.79% with basically no dickering. I just locked mine in a few months ago for 5.5% so I am kinda kicking myself for not getting a better rate.

                                                                  Nice house BTW.

                                                                    Comment

                                                                    • strobi
                                                                      Confirmed User
                                                                      • Nov 2002
                                                                      • 7383
                                                                      #18
                                                                      woa! that's fast! congrats!

                                                                        Comment

                                                                        • webspider
                                                                          Confirmed User
                                                                          • Mar 2001
                                                                          • 340
                                                                          #19
                                                                          Congrats!
                                                                          Weird Stuff

                                                                            Comment

                                                                            • Slick
                                                                              Confirmed User
                                                                              • Feb 2001
                                                                              • 7338
                                                                              #20
                                                                              Originally posted by evildick
                                                                              That seems kinda high for the interest rate if that is a mortgage. (or did you just get a regular loan?)

                                                                              I just checked BMO and their posted rate for a 5 year fixed is 5.79%, which means you can usually get one for 4.79% with basically no dickering. I just locked mine in a few months ago for 5.5% so I am kinda kicking myself for not getting a better rate.

                                                                              Nice house BTW.
                                                                              Yeah, that rate is a little higher comparing to those rates, but I think it's because of my credit history was blemished in the past before I was rich, ha ha ha.

                                                                                Comment

                                                                                • Slick
                                                                                  Confirmed User
                                                                                  • Feb 2001
                                                                                  • 7338
                                                                                  #21
                                                                                  Originally posted by Jimmie
                                                                                  congrats Slick... good to see a long time friend doing well.
                                                                                  Thanks man It's your turn to buy a house

                                                                                    Comment

                                                                                    • VeriSexy
                                                                                      Join The Royal Family
                                                                                      • Apr 2002
                                                                                      • 25463
                                                                                      #22
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                                                                                        • nuttyrom
                                                                                          Confirmed User
                                                                                          • Jan 2003
                                                                                          • 256
                                                                                          #23
                                                                                          congrats!

                                                                                            Comment

                                                                                            • CDSmith
                                                                                              Too lazy to set a custom title
                                                                                              • May 2001
                                                                                              • 51460
                                                                                              #24
                                                                                              All good things come to guys named Slick :D

                                                                                              Congrats buddy.
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                                                                                                • axelcat
                                                                                                  Adult Locals
                                                                                                  • Jun 2002
                                                                                                  • 25450
                                                                                                  #25
                                                                                                  congrats

                                                                                                    Comment

                                                                                                    • BradM
                                                                                                      Confirmed User
                                                                                                      • Dec 2003
                                                                                                      • 3397
                                                                                                      #26
                                                                                                      Congratulations buddy. A first home is a fantastic accomplishment.

                                                                                                        Comment

                                                                                                        • Hera, the Apocalypse
                                                                                                          Confirmed User
                                                                                                          • Dec 2004
                                                                                                          • 181
                                                                                                          #27
                                                                                                          congratulations! keep it clean
                                                                                                          ICQ 265884066

                                                                                                            Comment

                                                                                                            • BoNgHiTtA
                                                                                                              Confirmed User
                                                                                                              • May 2003
                                                                                                              • 2176
                                                                                                              #28
                                                                                                              I have been bidding on houses in Seattle for 8 months now Just got approved for a higher amount now, 500K. Not bad for a 27 year old first time home buyer.

                                                                                                              Will bid on another house this week. This one I really hope I get, its a really nice place very close to downtown.

                                                                                                              Goodluck on your new house as well.

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                                                                                                                Comment

                                                                                                                • CDSmith
                                                                                                                  Too lazy to set a custom title
                                                                                                                  • May 2001
                                                                                                                  • 51460
                                                                                                                  #29
                                                                                                                  Slickster, I hope you're going to put that Canadian shot glass I sent you to good use, to you know... break in the new digs. :D
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                                                                                                                    Comment

                                                                                                                    • adis55
                                                                                                                      Confirmed User
                                                                                                                      • Jun 2004
                                                                                                                      • 193
                                                                                                                      #30
                                                                                                                      pre-approval doesnt mean shit

                                                                                                                      you still have to meet all loan conditons, appraisal to be reviewed by lender and all other bullshit (title, insurance, inspection )

                                                                                                                      6.25% might not be bad in the state you are in but it is kinda high

                                                                                                                      todays a-paper rates are :
                                                                                                                      30yr fixed is 5.5% , no points
                                                                                                                      5/1 ARM 5.125%
                                                                                                                      3/1 ARM 4.75 %

                                                                                                                      For those looking to flip properties , look into "1 month MTA" currently at 1%. Your payment will be fixed for 1 year at 1%, however, it is a "deferred interest" loan or "negative amortization" which means, your loan balance will be higher than when you started, but at 1% you are paying $964/month on 300,000 loan.

                                                                                                                      MTA is currently the lowest index and comes with lowest margins.

                                                                                                                      i am a broker so if u have any q's or if u need a quote, hit me up
                                                                                                                      [email protected]

                                                                                                                      i do almost all states..my lenders are Bank of America/Chase/Citi/bankUnited/HSBC to name a few

                                                                                                                        Comment

                                                                                                                        • Eric
                                                                                                                          Confirmed User
                                                                                                                          • Dec 2000
                                                                                                                          • 8818
                                                                                                                          #31
                                                                                                                          Remember you have to get a welcome mat now that says "The House That Porn Bought." This is essential!
                                                                                                                          No One

                                                                                                                            Comment

                                                                                                                            • Snake Doctor
                                                                                                                              I'm Lenny2 Bitch
                                                                                                                              • Mar 2001
                                                                                                                              • 13449
                                                                                                                              #32
                                                                                                                              Quit giving him shit on the rate....based on the credit score he posted in the other thread he did pretty damn well.

                                                                                                                              Plus he got approved with his credit union which means there probably won't be any bullshit hidden fees or last minute rate hikes like alot of the mortgage brokers were trying to do to me when I bought my house.
                                                                                                                              sig too big

                                                                                                                                Comment

                                                                                                                                • ArkansasDave
                                                                                                                                  Confirmed User
                                                                                                                                  • Jan 2002
                                                                                                                                  • 2148
                                                                                                                                  #33
                                                                                                                                  Congrats
                                                                                                                                  -ArkansasDave!

                                                                                                                                  ICQ: 759-84452



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                                                                                                                                  Do It!

                                                                                                                                    Comment

                                                                                                                                    • Snake Doctor
                                                                                                                                      I'm Lenny2 Bitch
                                                                                                                                      • Mar 2001
                                                                                                                                      • 13449
                                                                                                                                      #34
                                                                                                                                      Hey Slick what are the specs on the house? Bedrooms, bathrooms, square footage...that kind of shit.

                                                                                                                                      Also its in Michigan?
                                                                                                                                      sig too big

                                                                                                                                        Comment

                                                                                                                                        • LoriAnderson
                                                                                                                                          Confirmed User
                                                                                                                                          • Feb 2003
                                                                                                                                          • 1713
                                                                                                                                          #35
                                                                                                                                          Congratulations
                                                                                                                                          Are you in MI? what city did you buy if you are
                                                                                                                                          Luv Lori xoxo


                                                                                                                                          LotzaDollars
                                                                                                                                          Dream-Cash
                                                                                                                                          Guy-Dollars
                                                                                                                                          Skype: Lori-Anderson

                                                                                                                                            Comment

                                                                                                                                            • Vittorio
                                                                                                                                              Confirmed User
                                                                                                                                              • May 2003
                                                                                                                                              • 1974
                                                                                                                                              #36
                                                                                                                                              Yeah, I JUST bought a house in Miami.



                                                                                                                                              Rates are based on your credit score, your income, your bank accounts and holdings (stocks, etc.) your debts (credit card, other mortgages etc.). ALSO!! If you SHOW your income you get a certain rate, and if you do "STATED INCOME" where NO records of income are shown but just STATED BY YOU, you get another rate. It ALL depends. First time buyers get certain rates, 2nd, third time get others, how much ACTUAL debt you got into over the years (and the NUMBER OF YEARS) and how much you PAID OFF, partial or complete, ALL TALLY INTO YOUR RATE. Stated rates in the newspapers are on all those factors being in the FAVORABLE category for EACH INDIVIDUAL LENDER. Histoically 6.25 fixed 30 year is low. Higher though than a few months ago but rates have been fluxuating and are going up. Be HAPPY with what you got, because THAT IS WHAT YOU GOT!!

                                                                                                                                              : )))


                                                                                                                                              28 GIGS of Hardcore Content for $69 !!

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                                                                                                                                                • beta-tester
                                                                                                                                                  Rock 'n Roll Baby!
                                                                                                                                                  • Sep 2004
                                                                                                                                                  • 22562
                                                                                                                                                  #37
                                                                                                                                                  Congrats on your new home!!
                                                                                                                                                  Post pics ASAP, Im really curious to see more pics of it, including enterier. Btw. Where the house is located ?

                                                                                                                                                  Sig for sale. Affordable prices. Contact me and get a great deal ;)

                                                                                                                                                  My contact:
                                                                                                                                                  ICQ: 944-320-46
                                                                                                                                                  e-mail: manca {AT} HotFreeSex4All.com

                                                                                                                                                    Comment

                                                                                                                                                    • SykkBoy2
                                                                                                                                                      Jesus loves bacon
                                                                                                                                                      • Feb 2001
                                                                                                                                                      • 19969
                                                                                                                                                      #38
                                                                                                                                                      congrats man
                                                                                                                                                      nothing like buying your first house
                                                                                                                                                      Support my new movie “The Second Coming”

                                                                                                                                                        Comment

                                                                                                                                                        • pxxx
                                                                                                                                                          First African GFY Member
                                                                                                                                                          • Mar 2004
                                                                                                                                                          • 12114
                                                                                                                                                          #39
                                                                                                                                                          Congrats, good luck with your house.

                                                                                                                                                            Comment

                                                                                                                                                            • e-god
                                                                                                                                                              Confirmed User
                                                                                                                                                              • Jan 2003
                                                                                                                                                              • 1738
                                                                                                                                                              #40
                                                                                                                                                              congrats, you made a great step in your life

                                                                                                                                                                Comment

                                                                                                                                                                • Alex
                                                                                                                                                                  So Fucking Banned (YEA!!)
                                                                                                                                                                  • Jun 2004
                                                                                                                                                                  • 10963
                                                                                                                                                                  #41
                                                                                                                                                                  Damn nice house but 240k?

                                                                                                                                                                  Where are you located?

                                                                                                                                                                  That shit would be worth a good 600k in so.cal
                                                                                                                                                                  Care about me?
                                                                                                                                                                  Who?
                                                                                                                                                                  Me!
                                                                                                                                                                  Who?

                                                                                                                                                                    Comment

                                                                                                                                                                    • BoNgHiTtA
                                                                                                                                                                      Confirmed User
                                                                                                                                                                      • May 2003
                                                                                                                                                                      • 2176
                                                                                                                                                                      #42
                                                                                                                                                                      Originally posted by Lenny2
                                                                                                                                                                      Quit giving him shit on the rate....based on the credit score he posted in the other thread he did pretty damn well.

                                                                                                                                                                      Plus he got approved with his credit union which means there probably won't be any bullshit hidden fees or last minute rate hikes like alot of the mortgage brokers were trying to do to me when I bought my house.

                                                                                                                                                                      This is so true, the credit unions have the all out best deals I found. We are going through one as well.

                                                                                                                                                                      Fucking mortgage brokers, there like bottom feeders.

                                                                                                                                                                      Wanna see how Adult Site Traffic Scammed me? Click Here:

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