I think I found my new home!

[Onkel Neal]

Originally Posted by u crank

Good luck frau kaleun.

Some good advice has been given. ^^^

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

That's exactly what I was going to say.

Glad to hear it, FK. Congrats and enjoy. I wish you many cozy, quiet and content evenings where you can surf the web, quest in Skyrim, and listed to LvB in peace and comfort.

Neal

[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.

[frau kaleun]

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.

[Red October1984]

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]

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

[Wolferz]

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]

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!

[vienna]

Congrats on finding a possible new "Frauheim"...

Now, besides all the fiscal and recon advice, I'd like to point out, in addition to posting your black belt certificate in the front window, perhaps also placing a bust of Beethoven next to it might deter ne'er-do-wells; a scowling LVB would probably frighten away anyone...

Good luck with the new digs...

<O>

[frau kaleun]

Originally Posted by AVGWarhawk

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!

Well, I don't know what else is coming or what to expect, so I'm sure it will be a new and exciting experience. I've sent bank statements, paystubs, and W2s to the bank's loan dude already. I have zero debt except for what's on the Amazon card I use for everyday purchases and pay off twice a month. I got the letter notifying me that they'd checked my credit scores and let's just say that they are really, REALLY good.

I've got a 25% downpayment on the place I want, and that's assuming I pay the price at which it's currently listed... plus $5K set aside for other expenses without touching my other savings. I should be able to add to that, depending on how long the process takes, since unless something major and unexpected comes up in other areas I've got a surplus of around $1000 a month after all current bills and expenses are paid. I can open an account at the bank where I'm doing the financing and get a nice discount on closing costs, so I plan on doing that as soon as things get underway for realz.

[swamprat69er]

Originally Posted by frau kaleun

Well, I don't know what else is coming or what to expect, so I'm sure it will be a new and exciting experience. I've sent bank statements, paystubs, and W2s to the bank's loan dude already. I have zero debt except for what's on the Amazon card I use for everyday purchases and pay off twice a month. I got the letter notifying me that they'd checked my credit scores and let's just say that they are really, REALLY good.

I've got a 25% downpayment on the place I want, and that's assuming I pay the price at which it's currently listed... plus $5K set aside for other expenses without touching my other savings. I should be able to add to that, depending on how long the process takes, since unless something major and unexpected comes up in other areas I've got a surplus of around $1000 a month after all current bills and expenses are paid. I can open an account at the bank where I'm doing the financing and get a nice discount on closing costs, so I plan on doing that as soon as things get underway for realz.

Sounds to me like you got your act together.

[Red October1984]

Originally Posted by swamprat69er

Sounds to me like you got your act together.

Yeah....How does she have no debt?

She is a black belt....which points to Asia....which can point to Triads/Yakuza...which are criminals....that can erase bank records for a price....and Frau Kaleun gets off because she knows Karate....which is an Asian thing....hence...connection.....then she mentions that she has money....and can pay the Yakuza/Triads to take care of her financial issues. BAM!

I'm watching you Missy....

EDIT: WHAT IF SHE IS TRAINING ASIAN GANGSTERS TO FIGHT?!?!?!

[Takeda Shingen]

Originally Posted by Red October1984

Yeah....How does she have no debt?

She is a black belt....which points to Asia....which can point to Triads/Yakuza...which are criminals....that can erase bank records for a price....and Frau Kaleun gets off because she knows Karate....which is an Asian thing....hence...connection.....then she mentions that she has money....and can pay the Yakuza/Triads to take care of her financial issues. BAM!

I'm watching you Missy....

EDIT: WHAT IF SHE IS TRAINING ASIAN GANGSTERS TO FIGHT?!?!?!

Then you are probably in a whole lot of trouble for putting all that together. Is that a knock at the door? If so, are there large men standing outside?

[Sailor Steve]

Originally Posted by Red October1984

Yeah....How does she have no debt?

She explained all that, probably long before you came aboard. Go look at her old threads.

She is a black belt....which points to Asia....

Or to Ohio.

I'm watching you Missy....

Didn't you read her comment to Neal when he called her that? And you might not want to let her catch you watching her, let alone tell her about it.

EDIT: WHAT IF SHE IS TRAINING ASIAN GANGSTERS TO FIGHT?!?!?!

Then you might not want to antagonize her. Or even let her know you're alive.

[Red October1984]

Originally Posted by Takeda Shingen

Then you are probably in a whole lot of trouble for putting all that together. Is that a knock at the door? If so, are there large men standing outside?

As far as I know...I have not angered any Triads or Yakuza.

I don't THINK at least. I've no idea about the Mafia or the Russians.

[Sailor Steve]

Originally Posted by Red October1984

As far as I know...I have not angered any Triads or Yakuza.

I don't THINK at least. I've no idea about the Mafia or the Russians.

It's not those you need to worry about.

There is no Subsim Party Education Coersive Overlords Protective Strike team, but if there were...