Yes we did our’s in house with our bank because we didn’t want to pay the whole 20% down because we knew we would have to use money to fix up the place. We used that money, and the place still needs fixing up. Our’s was one of those dreaded adjustable caps that the media has a cow over the past few years, but our’s adjusts every 5 years and as long as interest rates didn’t go up drastically it wouldn’t adjust up much if at all. The secret to those are to pay extra each month then when it readjusts the payment will either stay the same or would go down like our’s did. Our’s was also a 15 year mortgage too, It will be in it’s 13th year in April but the place will be paid off in that 13th year too. Yes it’s really getting short to pay off day. Then some time down the road we’ll get some sort of other loan and do some major work around here such as roof replacement, so forth and so on. Also want to seriouslyy check into a generator so when we lose power which sometimes happens we can still run our house at least enough to keep us and the bird warm, but whole house would be better. Again that will probably be seriously explored after the house is paid off. We have other electrical work that I would like to get done here too. We also have a list concerning Patti’s kitchen, but these last two projects we should be able to cover ourselves as long as we’re careful. The kitchen list and electrical work has been in the planning stages for some time, just haven’t gotten around to it. Have a couple of windows needing replacement too. That will probably be an ongoing project. Just the typical things about owning a house. > On Nov 18, 2014, at 10:51 PM, BethAnn LaPresta (Redacted sender > "bela28_02@xxxxxxxxx" for DMARC) <dmarc-noreply@xxxxxxxxxxxxx> wrote: > > Hi Joshie, nice to hear from you! If you can avoid going FHA (even though > the down payment will be lower), I would save up and go conventional. There > are plenty of banks with loans that require less than the normal 20% down for > a conventional loan. Shop the different banks and credit unions, if your > credit score is 680 or above, you shouldn't have any trouble finding a better > deal than FHA. What they told you is correct---PMI is now 1.35% for the life > of that FHA loan. You could always refinance out of an FHA mortgage, but > generally it takes 3-5 years to pay down the additional costs of a refinance. > > > I chose an ARM since I don't expect to keep my house longer than 5 more > years, that gives me a lower interest rate, but that would go up after 5 > years if I don't refinance again into something else or sell the house. > > Bottom line...shop around, the banks have different programs for low down > payment options, and in some cases they even have down payment assistance > help through different programs, too. > > Hope that helps! > BethAnn > > From: Josh <lawdog911@xxxxxxxxxxx <mailto:lawdog911@xxxxxxxxxxx>> > To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx> > Sent: Tuesday, November 18, 2014 5:04 PM > Subject: [audio-pals] Re: Ghost Town > > Happy Belated birthday to the oldest pepperoni *LOL*. So, do refinances cost > a lot of money? I was told today that with an FHA I have to carry PMI for the > life of the loan, but that I could refinance once I got 20% down on the home > so I could drop the PMI. However, with conventional I could avoid the upfront > lump sum that they throw in on PMI and drop the PMI once I got 20% or 3 years > behind me. Can you enlighten me on this? > > > > From: audio-pals-bounce@xxxxxxxxxxxxx > <mailto:audio-pals-bounce@xxxxxxxxxxxxx> > [mailto:audio-pals-bounce@xxxxxxxxxxxxx > <mailto:audio-pals-bounce@xxxxxxxxxxxxx>] On Behalf Of BethAnn LaPresta > (Redacted sender "bela28_02@xxxxxxxxx <mailto:bela28_02@xxxxxxxxx>" for DMARC) > Sent: Monday, November 17, 2014 11:25 AM > To: audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx> > Subject: [audio-pals] Re: Ghost Town > > Hi everyone. Nothing exciting on this end, just working and trying to do > some projects around the house for the appraisal...trying to refinance and > get some cash out of the house to pay for it all. LOL > > My oldest turned 29 on Friday and apparently ate the entire jello cake > yesterday (with the exception of 3 pieces I made him share with his > friends/brother). The Seattle Seahawks lost, so I left right after that to > avoid the inevitable "crabby" that would be expressed about the loss. > > Hope you all have a Happy Thanksgiving! > BethAnn > > From: Heather H <copperlee73@xxxxxxxxxxxxxxx > <mailto:copperlee73@xxxxxxxxxxxxxxx>> > To: "audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>" > <audio-pals@xxxxxxxxxxxxx <mailto:audio-pals@xxxxxxxxxxxxx>> > Sent: Sunday, November 16, 2014 10:35 PM > Subject: [audio-pals] Re: Ghost Town > > Hello, Josh and Tom. Everything is okay here in snowy Ohio. The snow is > coming down here and I am looking forward to going out and playing in it with > Selah. well, she will play...I wouldn't do anything so childish as that...lol > > Hope everyone who celebraates it, has a wonderful and blessed Thanksgiving. > No turkey here of course...can't trust it. chicken and dumplings here for > us. The store killed chicken little for this dish not me!!!! > > Hugs to you Bethie!!!!! Happy birthday to my oldest nephew who just turned > 29. OMG, I'm old. Who let them grow up? > > > > Sent from my iPhone > > > On Nov 16, 2014, at 11:56 PM, Thomas McMahan <shadowmonstrosity@xxxxxxx > <mailto:shadowmonstrosity@xxxxxxx>> wrote: > Nope you’re still in the list and so should everybody else bee, it’s just > been dead quiet lately. > > Heather probably has the bus running again and she and George and Pete and > who knows who else are probably driving around and stopping at Wal-marts in > Canada again trying to get Liz’s attention. But I’m not sure they are going > to get Liz’s attention *lol*. > > Got an e-mail from Suzi off list so know she’s alive too. BethAnn might be > doing another batch of sessions of closet rap for her next album release or > something, or she’s waiting to sell you a house Josh. It might be “the > perfect place.” Or maybe not depends on who’s standard of perfection is > being used perhaps. > > Don’t know about Don. Danny though is alive and well, eating lots and lots > of cream corn, well probably every meal he eats is cream corn, because he > doesn’t like it so he has been placed into the cream corn factor. > > Patti continues to improve bit by bit, gets a little more talkative over time > at times. She has a couple of appointments coming in December, one is > physical, the other is the Neurologist. But I’m thinking generally things > will be going in the right direction for her as afar as they are concerned. > > On Nov 16, 2014, at 10:20 PM, Josh <lawdog911@xxxxxxxxxxx > <mailto:lawdog911@xxxxxxxxxxx>> wrote: > > Hello, > How is everyone doing? I have not seen any post from the list in a few > weeks now. I am wondering if I have not gotten myself booted somehow > unintentionally. I guess the last I seen any post was Tom and I interacting > about the family issues. The issues are not a hundred percent, but I do feel > that since Amanda stood up and stood her ground we have gotten more respect. > Now, it seems as though we are actualy people and not servants. However, that > could change at any moment. Well, we have our prequalification letter and > have found a few houses that we are interested in. We have to call tomorrow > and get a real estate agent. Getting the prequal was a bit ofa hassle though. > Today Amanda and I went and bought little man some birthday presents and got > his location reserved. Sometime this week we have to get the invitations > filled-out. Amanda and I are in the home stretch of the semester and > everything seems to be going alright. I am in one class where I will not know > if I passed or failed until the final grade comes out since 50% of the points > aren’t going to be figured until the end of the semester. Amanda as far as I > know is doing fine in her classes, she has some projects that she is working > on, but I belive they are going fine. So, as always we have a ton of things > going on, but little time *LOL*. Have a good one and I hope to be able to > read some list traffic here in a few days. Take care and chat later.