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MzTami

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  1. I agree..True Credit doesn't count, it's not the real FICO score. I would suggest getting your "true" credit score from fico.com.
  2. Who's your lende,r and when did you close? Also, is it a newly built home? Thanks in advance.
  3. Congrautlations!!!! Enjoy your New home!
  4. I spoke with BOA yesterday and they said that they will let us know 3 months in advance before they adjust our mortgage payments. We have been paying $99.63 in escrow since we moved in and BOA said they will pay our taxes at the end of December 2006. They have been saving our payments for 4 months, I guess, and will pay it all together at the end of the year.
  5. We had a home built this year and closed on August 24, 2006. I'm concerned about the(TEXAS) property taxes for 2007. I called the Appraisal office and they said they don't have the information on how much taxes we are supposed to pay because the home wasn't built in January 2006. Should we continue paying the same amount of mortgage payment that we've been paying or should we send extra for property taxes? Or do we wait until the mortgage company notify us to pay more each month? This is our first home and we are not sure about what to do. Thanks in advance.
  6. I think with FHA as long as you have at least 2 years of employment. It doesn't matter whether it's in the same field. HTH! Good Luck to you!
  7. Wow...You have a beautiful home! Love the master tub and hardwood floors! Congratulations!
  8. Oh My Goodness, I thought we were the only ones with a mailbox flooded with life insurance papers for the mortgage. I thought it was a requirement from our lender. The advertisement even know how much we paid for the house. It is easy for them to find out, what you paid for the house is public record. fla-tan How can I find this public record? So even the neighbors know how much we paid?
  9. Oh My Goodness, I thought we were the only ones with a mailbox flooded with life insurance papers for the mortgage. I thought it was a requirement from our lender. The advertisement even know how much we paid for the house.
  10. Doesn't a FHA loan only finance 97%...meaning that I would need 3% down? I am only interested in 100% financing b/c I don't have a down-payment. Sorry, guess I forgot to mention that... If you are a firstime homebuyer you can apply for Down Payment Assistant. Also, a lot of times they(seller) can increase the selling price of the home by 3% to cover the down payment. There's ways to overcome the 3% downpayment. Good Luck to you!
  11. I would do a FHA loan that's not credit score driven, and are currently at good rates!
  12. I found my inspector in the yellow pages. I had spoke with his secretary on many occassions, and she told me that he was a custom home builder, licensed electrician, etc.. Also, I checked the BBB website to make sure there wasn't any complaints. Know matter how many inspectors I talked too, something kept drawing me back to him. So I hired him based on my instincts. The problem was that he had a picture of himself in the yellow pages of when he was maybe in his 50's and when he showed up at my new home, he appeared to be in his 70's. I was shocked and said WTH, but after I got over the
  13. I had our newly built home inspected before signing off on the house. I had an inspector that was a custom home builder in the past. He was a very old gentleman, but very sharp. I mean sharp. He inspected the roof by pulling out his binoculars and standing across the street inspecting the roof. The builders and neighbors had a field day laughing at him because of his age, boots, and binoculars. While they laughed, he found some screws sticking out of the roof that needed to be tighten. I requested that the builder send their roofer out and fix the screws. The inspector found things th
  14. I can definitely relate to OP. If you are considered annoying, then thankfully they didn't have to deal with me. I would be pissed too, if I asked 3 weeks in advance if all paperwork is sufficient, and was told Yes everything looks good, and then being told 1 week before closing, we need a whole library of paperwork, I would be incensed. How is that "doing their job?" I'm sorry that is no excuse. If you have been processing loans, you should know what a consumer needs. I mean, I can see if one paper was needed, but that's too much paperwork to be required at the last minute. D
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