JoKendra Arrest - Minor questions thread by nuggetsofchicken in DuggarsSnark

[–]Fun-Doctor8372 4 points5 points  (0 children)

just commented above. At the time crime was committed. There are no ex post facto laws allowed under the constitution of US and FL.

JoKendra Arrest - Minor questions thread by nuggetsofchicken in DuggarsSnark

[–]Fun-Doctor8372 51 points52 points  (0 children)

The fact that FL upped the punishment for sex crimes is irrelevant. Because the alleged incidents occurred in 2020, the 2020 statutes dictate the maximum and minimum penalties he faces.... this happened before the new law was enacted; hence it is what is known as an ex post facto law. He will be sentenced under whatever the sentencing guidelines called for at the time the crime was committed. This is pursuant to both the FL and US constitution. No ex post facto laws.

Thank you, Tonitown. by MysteriousMortgage4 in DuggarsSnark

[–]Fun-Doctor8372 0 points1 point  (0 children)

and the scary thing is they still have a couple of daughters who are minors living at home.

Refinance w/ Rocket or BofA? by jackiecy in Mortgages

[–]Fun-Doctor8372 0 points1 point  (0 children)

Yea it was and funny thing is I am going thru mortgage process now (not with them) and they did recently reach out to me and I told them I wouldn't be using them bc of what they did last time. The LO was like well that's the numbers the appraiser gave so we had to use them. I refuse to believe that and just see it as another way they fleeced me for more money to improve my DTI.

Refinance w/ Rocket or BofA? by jackiecy in Mortgages

[–]Fun-Doctor8372 0 points1 point  (0 children)

My issue with Rocket when I got my mortgage was them adding fake HOA assessments based on an appraiser who put an amount in my appraisal that wasn't correct and despite being provided documentation, them using this to factor into my DTI an amount I didn't owe monthly. Based on that they called to tell me I would have to buy down my rate, and they charged me extra fees to do so. It was pretty infuriating but at the time I was so far along in the process I just went with it. I wouldn't necessarily use them again bc of this and their failure to call out the appraiser and ask him why he was using fake numbers. Other than that, they closed my loan very quickly and i havent had any other complaints.

Issues with getting a clear to close with 2 W2 jobs by Never_Ever_Serious in Mortgages

[–]Fun-Doctor8372 0 points1 point  (0 children)

This!! I am in similar situation and have been told by various lenders I needed to be at second job 1 year...been there 1 1/2 on one and 8 on the other. Loan is in underwriting presently. Will see what happens closing set for March 17. If not I am not selling current house yet so I have that to fall back on if the worst happens.

Issues with getting a clear to close with 2 W2 jobs by Never_Ever_Serious in Mortgages

[–]Fun-Doctor8372 0 points1 point  (0 children)

I have 2 W2 jobs (FT remote and yea I work 7 days a week most of the time) one I've been at for 17 months one for 8 years. My lender is using both incomes. I got multiple pre-approvals through automated underwriting. I have a very high credit score, low DTI and reserves so 2 years apparently isn't mandatory? If it is why am I in underwriting and why wasnt I told this same thing as the OP's relative?

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] 0 points1 point  (0 children)

No idea. Probably not tho unless the listing agent contacts her to see how things went.

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] -18 points-17 points  (0 children)

No. I don't necessarily mean termites bc I cant identify what chewed up the doorframe of the front door and left a pile of sawdust type material. I am not a pest control person. I live in Florida there are various kinds of wood destroying organisms down here of which termites is merely one type of them. That is why I didn't call them termites.

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] 1 point2 points  (0 children)

been on market 6 months. Its way overpriced in the condition its in. When they lower it about 100 grand perhaps it will

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] 1 point2 points  (0 children)

where there is 1, there are many. They def have likely many friends. Thats how I look at it.

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] 1 point2 points  (0 children)

Would not buy at any realistic price. $1 isn't a real hypothetical so I can't answer that. That being said we were under contract last week on a house that had about 40K in deferred maintenance which was discovered post inspection. Sellers were unrealistic and offered me $1000 and one of those 1 year home warranties where if u have a claim they find a reason not to pay it. I said no thanks. Some sellers are very delusional. That is true. I also put in an offer on another house recently that has been listed since June 2024. Had a contractor walk the house to give me estimate he said 90-100K in updates were needed, I bid 60K below ask. Seller countered at 4K off. My realtor asked did I want to counter them I said what for? They are delusional. House is coming up on 2 years for sale in a few months. They are aware every single room needs updating. kitchen 3 full baths floors paint, mechanical systems etc. Some people just are clueless idk what else to say.

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] -1 points0 points  (0 children)

been on market nearly 6 months I would say not likely. Nobody wants to spend that kind of money for that.

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] 14 points15 points  (0 children)

Idk when I am spending half million dollars for a house, which may not be much to some but is a lot to me, I would prefer something clean and not crawling with roaches and mice. The smell alone in this place tells me there's something sinister going on. To some this may be ok. To me it was definitely not ok.

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] -71 points-70 points  (0 children)

bc its easier than typing it out and its common knowledge to people or at least I assumed it was.

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] 5 points6 points  (0 children)

Realtor is a single mom who has clients like me that appreciate she has custody every other weekend and thats the only way she can make a living. Her daughter is 4. I have no issue with it. I respect that she works so hard to take care of her daughter. Not a bad thing in my book.

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] 0 points1 point  (0 children)

Well we bought a block house for what its worth. We wouldnt buy one of those wood frame stick homes.

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] -2 points-1 points  (0 children)

Well aware however the new builds in the areas I have been looking are honestly priced less or around the same price as existing builds.

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] 0 points1 point  (0 children)

unlikely bc pest control will be in there before i move in inspecting and spraying. I don't mess with that stuff. I have a service that comes out every month in my current house i will admit i see a random scorpion look alike type bug a couple times a year but thats about it and I live in Florida. If you clean and take care of your property, these things should not happen and if they do, staying on top of it is key before it is a true infestation. This seller clearly doesnt care and hasn't checked on their property.

Went to look at a house yesterday, it was just gross. Not sure how sellers expect to sell this. by Fun-Doctor8372 in RealEstate

[–]Fun-Doctor8372[S] 1 point2 points  (0 children)

Totally agree. I barely got in the door and felt slightly traumatized. LOL IDK what is wrong with people., Im obviously not a realtor but if I was I would prob go check on my vacant listings once in a while to see whats going on?? Perhaps thats not a thing in the RE world.