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Off Topic Off Topic - General non-Corvette related discussion. |
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05-25-2023, 12:08pm | #1 |
Explosive Salami
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Closing on my house tomorrow and the bank just scared me...
Gotta love it when the bank's loan processor calls, say's something odd is happening with the loan for final approval, and has her supervisor online to explain it to me.
Oh shit.... here we go. Something got portered and I'm getting screwed like STS in a truck stop restroom. Nope..... they over estimated my closing costs and seller gave too many credits. About $6K worth of credits. So, I am getting back about $2K cash for my earnest money and inspection fees. Most of the rest is going to pay down the point, so I went from 5.502% to 5.125%. About $385 has to be left on the table because legally it can only be applied to the point, closing costs, or any out of pocket expenses I had and there is no place to apply it. Woo Hoo.... stuff is going DJ's way (in a good way) for once |
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05-25-2023, 12:12pm | #2 | ||||||
Barn Stall Owner #0331
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You can’t find a way to repurpose that $385 toward hookers and blow for a closing party?
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05-25-2023, 12:19pm | #3 |
Explosive Salami
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05-25-2023, 12:21pm | #4 | ||||||
Barn Stall Owner #14/32
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05-25-2023, 12:35pm | #5 | ||||||
A Real Barner
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5.125 is an excellent rate in today’s market.
Good job. |
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05-25-2023, 1:05pm | #6 | ||||||
10cm member
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05-25-2023, 1:06pm | #7 |
Explosive Salami
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05-25-2023, 1:08pm | #8 |
Explosive Salami
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05-25-2023, 1:08pm | #9 | ||||||
A Real Barner
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Congrats and enjoy the new home.
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05-25-2023, 1:10pm | #10 | ||||||
Latin American Goat Roper
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Hope it goes well 4 U......
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05-25-2023, 1:10pm | #11 | ||||||
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So are you out $385? Can it go in your escrow account?
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05-25-2023, 1:16pm | #12 |
Explosive Salami
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I'm not sure why it couldn't but I need to ask that question. IT might be due to the fact that most escrow accounts are over estimated and this could end up coming back to me in cash at the end of the year. Not sure, though.
@LATB might have a better answer. |
05-25-2023, 1:46pm | #13 | |||||||
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Quote:
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05-25-2023, 1:57pm | #14 |
Explosive Salami
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05-25-2023, 2:07pm | #15 | ||||||
A Real Barner
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Did you post pics of the house?
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05-25-2023, 2:11pm | #16 | |||||||
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Quote:
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05-25-2023, 2:20pm | #17 |
Explosive Salami
Stall Owner #1120.2520 Join Date: Feb 2010
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05-25-2023, 3:03pm | #18 | |||||||
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Quote:
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05-25-2023, 4:05pm | #19 | ||||||
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05-25-2023, 4:10pm | #20 | ||||||
Barn Stall Owner #14/32
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The $385 will need to be accounted for on the HUD-1
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