I think I found my new home!

u crank · 03-10-13, 06:58 AM

Good luck frau kaleun.

Some good advice has been given. ^^^

There's no place like 'your own' home.

Skybird · 03-10-13, 07:09 AM

Do you buy your new home mod via Steam or Nexus?

Takeda Shingen · 03-10-13, 08:15 AM

Good luck with everything! Always exciting to be a new home owner!

Wolferz · 03-10-13, 08:50 PM

We'll all be needing your new address. So we can show up without warning to raid your fridge, sleep on your couch and put our feet on your table while we watch tv.

frau kaleun · 03-10-13, 09:13 PM

Quote:

Originally Posted by Wolferz

We'll all be needing your new address. So we can show up without warning to raid your fridge, sleep on your couch and put our feet on your table while we watch tv.

See, this is why I'm gonna hafta prop that big black belt diploma right up there in the front window.

Wolferz · 03-11-13, 10:52 AM

Quote:

Originally Posted by frau kaleun

See, this is why I'm gonna hafta prop that big black belt diploma right up there in the front window.

I beats easy, you won't need the show of force.

Another sign that works...

FORGET THE DOG
BEWARE OF OWNER!

AVGWarhawk · 03-11-13, 11:19 AM

Frau,
I just closed on my 3rd home. Things are a bit different these days concerning financing. Years ago I had to put down a large percentage on my first home. My second home all I needed was a pulse and two paycheck stubs. As of the past three months on the house we closed on just last week, I never had a body cavity search by the finance folks like this...EVER. It was to the point I felt like a criminal. Every dime that deposited into my checking account I had to explain where it came from. Not my paycheck but other larger deposits. They do this to assure you have not other outstanding obiligations financially. Also, pre-approved does not amount to a hill of beans. Not until you go through the process getting actual approval for the purchase are you in the clear. At that time do not apply for credit. Do not run up a credit card. These folks will look and continue ask for statements, stubs and a pint of blood. No matter how much they hound you remember that the finance people are in business to approve a loan. The way they probe your rear you would think otherwise.

It's very stressful to purchase a home. Eventually the smoke clears and you are standing with the golden key to your new home. Also a tidy interest rate write off every April(at least for now). Remember to set aside start up money. Moving van/guys if needed. New blinds if needed. Things of that nature. That crap adds up.

Good luck!

Red October1984 · 03-10-13, 09:15 PM

Quote:

Originally Posted by Wolferz

We'll all be needing your new address. So we can show up without warning to raid your fridge, sleep on your couch and put our feet on your table while we watch tv.

PARTY AT FRAU KALEUN'S!

Jimbuna · 03-11-13, 04:36 AM

Quote:

Originally Posted by Wolferz

We'll all be needing your new address. So we can show up without warning to raid your fridge, sleep on your couch and put our feet on your table while we watch tv.

One can well imagine the scene

THE_MASK · 04-20-13, 04:36 AM

A house is a house . Its the people inside that make it a home . My philosophy on houses

You can change things inside a house but you cannot change your neighbours

Termidor is cheap insurance against termites

Good luck with the new house

WernherVonTrapp · 04-20-13, 07:07 AM

Congratulations on your first home, Frau Kaleun. Home buying can be the most rewarding, and frustrating experience in a person's life. Especially if you have a family that needs sheltering. I've recently completed my third (and hopefully last) home purchase. The paperwork can be mind boggling. I had frustration myself in having all those involved (bank, real estate agent, title company, etc.) getting their act together on the same page.
Interesting story about the DV. It sounds typical of what I've been dealing with over the last 25+ years, but not anymore. We actually had a wife drive her car over her husband's head. Popped his eye right out of the socket. Oh, well, anyway, my last home, there was a sweet little old lady that lived next door. A few years later, she moved out and rented to a nice, but severely dysfunctional family. The daughter was a heroin/crack addict and would frequently end up being beaten by one of her older brothers. Neighbors make all the difference in the world and although nobody is perfect, it's important to take note of. There was another older son who was married but they were both in their mid to late 20s. Neither of these sons lifted a finger to help their elderly father rake, mow or shovel, though one worked out at a gym daily.
Just a mere few days before I moved to my present home, the daughter was pounding on my front door at 3:00am in the morning, bloodied and screaming that she had been beaten and "Duck-Taped" by her family. Of course, I dialed 911 immediately and took her into my home but this was becoming all too common and was now directly affecting my family.

I used to occasionally help all my neighbors one way or another. Be it by sometimes shoveling their snow covered walkways, assisting them in pushing their disabled cars from the road (or even repairing them), giving their children toys/gifts for their birthdays, jumpstarting dead batteries, taking in their garbage cans etc. When it came time for me to move, we did it (me and my wife) all by ourselves. I rented a 24' straight-truck and spent almost 3 days (all day long) loading it up. Not one neighbor offered to help or even came out of their homes during that time. They all suddenly disappeared. It was shades drawn and doors closed in what was usually an active neighborhood. I don't hold it against them, though I thought it was interesting enough to note.

Anyway, I apologize for getting off the subject. I wish you the best of luck. I'm certain everything will work out fine with your new home.

Wolferz · 04-20-13, 07:56 AM

Haus Frau Kaleun has a nice ring to it.

Making sure that there is no termite activity is a good thing. I once held a job treating homes for the little buggers. All they need is wood and water and 200 feet of soil. That's how deep their nests can go down.

Most homes become infested due to cheap lazy contractors tossing wood framing refuse into porch voids prior to pouring the slab on top.
You definitely don't want to awaken on a warm spring morning to thousands of swarming winged termites in your bedroom looking for a new place to nest.

swamprat69er · 04-20-13, 08:35 AM

Wow! What a hassle you got from the banker.

When I bought this place off the bank (Power of sale), I offered them the money and told them a 30 day close (the house was empty). The real estate agent told me that he didn't think they (the bank) would accept a 30 day close. I told him that every day the bank was holding onto the house they were losing money and since the banks are in the money business and not the housing business if they wanted to sell the house they would go for a 30 day close. PERIOD. The bank accepted the 30 day close. 19 years ago on April Fools day I moved in.

Congrats on soon to be your new home.

raymond6751 · 11-13-13, 03:43 PM

A home is what you make it.

Here's wishing you and yours a Merry Christmas in your new digs.

I remember my first home. I went into the back yard and thought to myself,
"I could dig a big hole here and nobody could tell me off about it!"

I didn't, but the thought was "mine...all mine".

Wolferz · 11-13-13, 03:56 PM

Quote:

Originally Posted by raymond6751

A home is what you make it.

Here's wishing you and yours a Merry Christmas in your new digs.

I remember my first home. I went into the back yard and thought to myself,
"I could dig a big hole here and nobody could tell me off about it!"

I didn't, but the thought was "mine...all mine".

Hey, we were going to hold the first annual SubSim barbecue and mud run at Frau K's corral. Buuut, she said the HOA would frown upon it.

Can we hold it at your place? I like Canada.

03-10-13, 06:58 AM	#1
u crank Old enough to know better Join Date: Dec 2011 Location: Prince Edward Island Posts: 11,745 Downloads: 136 Uploads: 0	Good luck frau kaleun. Some good advice has been given. ^^^ There's no place like 'your own' home. __________________ “Two possibilities exist: either we are alone in the Universe or we are not. Both are equally terrifying.” ― Arthur C. Clarke

03-10-13, 07:09 AM	#2
Skybird Soaring Join Date: Sep 2001 Location: the mental asylum named Germany Posts: 42,630 Downloads: 10 Uploads: 0	Do you buy your new home mod via Steam or Nexus? __________________ If you feel nuts, consult an expert.

03-10-13, 08:50 PM	#4
Wolferz Navy Seal Join Date: May 2007 Location: On a mighty quest for the Stick of Truth Posts: 5,963 Downloads: 52 Uploads: 0	Congrats on your find.. We'll all be needing your new address. So we can show up without warning to raid your fridge, sleep on your couch and put our feet on your table while we watch tv. __________________ Tomorrow never comes

03-11-13, 11:19 AM	#7
AVGWarhawk Lucky Jack Join Date: Jun 2005 Location: In a 1954 Buick. Posts: 28,257 Downloads: 90 Uploads: 0	Frau, I just closed on my 3rd home. Things are a bit different these days concerning financing. Years ago I had to put down a large percentage on my first home. My second home all I needed was a pulse and two paycheck stubs. As of the past three months on the house we closed on just last week, I never had a body cavity search by the finance folks like this...EVER. It was to the point I felt like a criminal. Every dime that deposited into my checking account I had to explain where it came from. Not my paycheck but other larger deposits. They do this to assure you have not other outstanding obiligations financially. Also, pre-approved does not amount to a hill of beans. Not until you go through the process getting actual approval for the purchase are you in the clear. At that time do not apply for credit. Do not run up a credit card. These folks will look and continue ask for statements, stubs and a pint of blood. No matter how much they hound you remember that the finance people are in business to approve a loan. The way they probe your rear you would think otherwise. It's very stressful to purchase a home. Eventually the smoke clears and you are standing with the golden key to your new home. Also a tidy interest rate write off every April(at least for now). Remember to set aside start up money. Moving van/guys if needed. New blinds if needed. Things of that nature. That crap adds up. Good luck! __________________ “You're painfully alive in a drugged and dying culture.” ― Richard Yates, Revolutionary Road

04-20-13, 07:56 AM	#12
Wolferz Navy Seal Join Date: May 2007 Location: On a mighty quest for the Stick of Truth Posts: 5,963 Downloads: 52 Uploads: 0	Haus Frau Kaleun has a nice ring to it. Making sure that there is no termite activity is a good thing. I once held a job treating homes for the little buggers. All they need is wood and water and 200 feet of soil. That's how deep their nests can go down. Most homes become infested due to cheap lazy contractors tossing wood framing refuse into porch voids prior to pouring the slab on top. You definitely don't want to awaken on a warm spring morning to thousands of swarming winged termites in your bedroom looking for a new place to nest. __________________ Tomorrow never comes

03-10-13, 08:15 AM	#3
Takeda Shingen Navy Seal Join Date: Mar 2000 Posts: 8,643 Downloads: 19 Uploads: 0	Good luck with everything! Always exciting to be a new home owner!

04-20-13, 04:36 AM	#10
THE_MASK Ace of the deep . Join Date: Jan 2006 Posts: 9,226 Downloads: 901 Uploads: 73	A house is a house . Its the people inside that make it a home . My philosophy on houses You can change things inside a house but you cannot change your neighbours Termidor is cheap insurance against termites Good luck with the new house

04-20-13, 07:07 AM	#11
WernherVonTrapp Admiral Join Date: Jul 2009 Location: Now, alot farther from NYC. Posts: 2,228 Downloads: 105 Uploads: 0	Congratulations on your first home, Frau Kaleun. Home buying can be the most rewarding, and frustrating experience in a person's life. Especially if you have a family that needs sheltering. I've recently completed my third (and hopefully last) home purchase. The paperwork can be mind boggling. I had frustration myself in having all those involved (bank, real estate agent, title company, etc.) getting their act together on the same page. Interesting story about the DV. It sounds typical of what I've been dealing with over the last 25+ years, but not anymore. We actually had a wife drive her car over her husband's head. Popped his eye right out of the socket. Oh, well, anyway, my last home, there was a sweet little old lady that lived next door. A few years later, she moved out and rented to a nice, but severely dysfunctional family. The daughter was a heroin/crack addict and would frequently end up being beaten by one of her older brothers. Neighbors make all the difference in the world and although nobody is perfect, it's important to take note of. There was another older son who was married but they were both in their mid to late 20s. Neither of these sons lifted a finger to help their elderly father rake, mow or shovel, though one worked out at a gym daily. Just a mere few days before I moved to my present home, the daughter was pounding on my front door at 3:00am in the morning, bloodied and screaming that she had been beaten and "Duck-Taped" by her family. Of course, I dialed 911 immediately and took her into my home but this was becoming all too common and was now directly affecting my family. I used to occasionally help all my neighbors one way or another. Be it by sometimes shoveling their snow covered walkways, assisting them in pushing their disabled cars from the road (or even repairing them), giving their children toys/gifts for their birthdays, jumpstarting dead batteries, taking in their garbage cans etc. When it came time for me to move, we did it (me and my wife) all by ourselves. I rented a 24' straight-truck and spent almost 3 days (all day long) loading it up. Not one neighbor offered to help or even came out of their homes during that time. They all suddenly disappeared. It was shades drawn and doors closed in what was usually an active neighborhood. I don't hold it against them, though I thought it was interesting enough to note. Anyway, I apologize for getting off the subject. I wish you the best of luck. I'm certain everything will work out fine with your new home.

04-20-13, 08:35 AM	#13
swamprat69er Aceydeucy Join Date: Jan 2008 Location: Ontario,Canada Posts: 1,889 Downloads: 11 Uploads: 0	Wow! What a hassle you got from the banker. When I bought this place off the bank (Power of sale), I offered them the money and told them a 30 day close (the house was empty). The real estate agent told me that he didn't think they (the bank) would accept a 30 day close. I told him that every day the bank was holding onto the house they were losing money and since the banks are in the money business and not the housing business if they wanted to sell the house they would go for a 30 day close. PERIOD. The bank accepted the 30 day close. 19 years ago on April Fools day I moved in. Congrats on soon to be your new home. __________________ ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ That which does not kill us, makes us stronger. We the willing, led by the unsure, have done so much with so little, for so long, that we are now qualified to do anything with nothing.

11-13-13, 03:43 PM	#14
raymond6751 Admirable Mike Join Date: Mar 2004 Location: Canada Posts: 1,338 Downloads: 421 Uploads: 0	Happy Home A home is what you make it. Here's wishing you and yours a Merry Christmas in your new digs. I remember my first home. I went into the back yard and thought to myself, "I could dig a big hole here and nobody could tell me off about it!" I didn't, but the thought was "mine...all mine". __________________ Game Designer: Close The Atlantic - World War Three https://boardgamegeek.com/boardgame/...orld-war-three