[audio-pals] Re: Introduction + Update
- From: "Josh" <lawdog911@xxxxxxxxxxx>
- To: <audio-pals@xxxxxxxxxxxxx>
- Date: Wed, 18 Feb 2015 12:17:39 -0500
Thank you for the information. I will look for your consulting bill in the mail
*LOL*. However, the answer to your question is 4% on the repayment of the down
payment assistance if we move before the 10 years is up. If we stay the 10
years or more then the down payment assistance is forgiven.
From: audio-pals-bounce@xxxxxxxxxxxxx [mailto:audio-pals-bounce@xxxxxxxxxxxxx]
On Behalf Of BethAnn LaPresta (Redacted sender "bela28_02@xxxxxxxxx" for DMARC)
Sent: Wednesday, February 18, 2015 11:18 AM
To: audio-pals@xxxxxxxxxxxxx
Subject: [audio-pals] Re: Introduction + Update
Josh,
As far as FHA goes, it allows for a lower down payment and while it does charge
a monthly insurance premium, if you can find a good deal on the house itself,
it may be well worth the extra in the long run. You can always refinance into
conventional down the road. Was the 4% interest rate on the FHA loan or the
down payment assistance portion?
Conventional is obviously the best choice as far as interest rates go
(usually), there are also special deals with conventional loans---my original
loan was only 5% down (I think you need at least a 680 credit score). FHA is
better if you only have the 3.5% for a down payment, although they do have a
pretty sizeable mortgage insurance premium (I think it's an up front 1.75% of
the loan amount).
I am not familiar with the down payment assistance program, I've certainly
never heard 10 years...but if you get a place you really like, that sounds like
a good option.
Hope that helps,
BethAnn
_____
From: Josh <lawdog911@xxxxxxxxxxx>
To: audio-pals@xxxxxxxxxxxxx
Sent: Tuesday, February 17, 2015 9:43 PM
Subject: [audio-pals] Introduction + Update
Hello everyone,
For anyone that is new and has not gotten a formal welcome from me, then I
apologize, but welcome and I hope you all enjoy your time here on the list. My
name is Josh, sometimes people just call me instigator, as well as a host of
other names that I probably should not say here on the list *LOL*. However,
Born and raised right here in Knoxville, Tennessee about 30 minutes from the
Smoky Mountains. I am 29 and holding for 4 years getting ready to be 5 years
holding here on Saturday. I am married to Amanda who puts up with all of my
crazy antics. The things I pull on the list are mild to the things I have
subjected her to *LOL*. We have a son who is 9 years old and is constantly on
the go. Both Amanda and I are college students. Amanda is finishing up her
Paralegal program this semester and I will be graduating with my Bachelor’s in
psychology this semester as well. I am still in the process of trying to decide
whether to go to law school or continue on with psychology, but when the time
is right I will know which direction to go with my graduate school endeavors. I
may find a job at the Bachelor’s level that will keep me happy and content who
knows. When I know though, you all will know too. I enjoy spending time with
family and friends, reading (true crime and fiction), travelling although I
have not gotten an opportunity to do much travelling since starting college,
taking trips to the mountains, swimming, as well as I enjoy shooting my guns
and learning new things. I think of myself as a very open minded individual,
but I am sure there is someone that will come along and shatter any thoughts
that I had regarding my open mindedness. I generally have no problem speaking
my mind when it comes to advocating. In fact I love advocating, most people
that I talk to in regards of advocating do not like the fact that I am
advocating though *LOL*. I tend to have problems with true idiots. By true
idiots I mean one’s that feel like they know it all and in reality they know
nothing. By the time you get to know me and spend time on the list you will
probably think I am one that borders on the true idiot comment, but I do like
to laugh and have fun on the list as I hope you will also take part in.
However, bare in mind that I do not play favorites, if the opportunity presents
itself I will use anything you have to say to play my joke, just ask. *LOL*. I
want you to know though that I do not mean any harm and if I cause anyone to
feel uncomfortable please feel free to call me out, but other than that feel
free to take anything I say and run with it too. I hope with this introduction
you have gotten to know me a little better and if you have any questions I will
do my best to answer them to the best of my ability. Take care and have fun. It
probably will not be until I get a break, but when I get a break I will try and
post a recording up on the Audio Pals site so everyone that hasn’t can hear
what I sound like and put a voice with the absurd comments I am making in the
email side of things *LOL*.
Now for the update. I have managed to get the instructor in Criminology to quit
blasting the police with her distasteful remarks. We are still in the process
of house hunting. Amanda has now started working in the law firm and she says
there is a lot to learn, but she enjoys it there. I have taken a quiz in one
class so far and scored a 5.5 out of 5, this was in my Diversity Among
Children’s class and I took an exam in my Human Development class last night
online and scored a 98 out of 100 on that exam. Little Man’s last report card
was all A’s and 1 or 2 B’s. In regards to the house hunting we have found a
different lender that we are going to try and go with. It will be an FHA, but
they offer down payment assistance. We are looking for a house that we can stay
in for a long time so the 10 year stipulation does not turn us off from it.
Even if we did decide to move before the 10 years is up all we have to pay back
is the 4% down payment that they assisted with. It has a 4% interest rate on
it, but in my opinion and in Amanda’s opinion it is worth it. We talked to my
aunt this past weekend and she works for an attorney and has for many years
doing closings on houses. She seems to think from what we have told her it all
sounds legit. If anyone else has anything to say about it, I would love to hear
before we walk into something without asking a question that could have been
asked. It will be an FHA just because we do not have the 10% plus the 6% to get
into a conventional loan. Amanda went to a party back a while back and we just
really started using them these past couple of days, but the party was a Young
Living essential oils party. The oils work great. Lemon cleared my heart burn
up and cleared my sinuses up within a couple of minutes. The Peppermint seemed
to clear my mind and help me have a clearer thought process. We defused Lemon
today and it seemed to take away aching in my joints. We are currently defusing
Lavender for relaxation and I cannot tell much of a difference with the
Lavender. There could be some what of a placebo effect going on, but I believe
for the most part it is doing all the work. If I did not believe it would work
at all then it may not have as much of an affect like it does since I believe,
but this is just my experience with the oils. Well, anyways it is 12:42 A.M.
and I need to get back on homework. Take care and I will be back when I can.
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