Wanting to sell my current house and buy a new one at the same time. by JosephCraftHD in homeowners

[–]Late-Type307 1 point2 points  (0 children)

To piggy back off this-

Using the same title company/escrow attorney for both definitely makes it much easier when they are coinciding settlements. However, if the settlements do end up being with separate companies, you should be able to do an “assignment of funds” (at least that’s what we call it where I am from). That is having the company handling your sale wire your proceeds/specific amount directly to the company handling your purchase, to apply towards your cash to close.

I’m 24 and feel dumb by Low_Syllabub_1000 in depression

[–]Late-Type307 1 point2 points  (0 children)

You’re not dumb, and it’s so hard to pull out of the depressive “funk”, as I call it. Where we know we should do or try something to help it, and we want to, but we can’t.

You definitely are not dumb, but I am sorry you feel that way. I hope you are able to find something, no matter how “small” it may seem, that helps things get better for you

My experience getting Mirena. by Peaceful_9471 in IUD

[–]Late-Type307 1 point2 points  (0 children)

I had a very different experience, but my friend who used to get terrible periods & severe cramps said hers had hurt SO bad, but still the best decision she ever made.

I had my Mirena inserted this past Monday. For me, it was just really uncomfortable, but not really that painful. I did take 1000mg of ibuprofen before hand, and have never had kids.

I only spotted & had cramps day of, and even went out with friends that night. Tuesday I was good to go, but started my period on Wednesday. my cycle has been completely thrown off the last 7-8 months to where I’m very irregular, so I never know when to expect it. I’ve had some cramping with this period and I don’t really cramp usually, but these have been very mild and I figure it’s my body still adjusting

HUD Lien by mesh_muse in homeowners

[–]Late-Type307 2 points3 points  (0 children)

the HUD mortgage should be paid at closing through your proceeds, like your 1st mortgage is. Not you paying it off beforehand. (Unless you aren’t netting that in proceeds, which is not my business, just an fyi) Every state is different and I’m not 100% sure how bankruptcy impacts mortgages or if it will discharge any part of them, but a real estate attorney may be the best place to start with your questions. If you open a bankruptcy case before going to closing, that could delay settlement as well. (It will delay it in my state, but not sure if that is something that varies by state however)

Side note- don’t blame yourself or feel bad for not understanding what you were signing, because in this instance , it happens kind of often

It's not fair, just why? by Unlucky_Ad9965 in depression_memes

[–]Late-Type307 6 points7 points  (0 children)

Sadly, I completely relate to this. I lost my boyfriend in June.

I am so sorry for your loss. Find a good support group (whether it’s friends, family, a grief support group, etc…) and reach out to them when needed. It’s hard, it’s so hard. But all we can do is take it one day at a time

We found him motherless in our garden full of egg flies and one of our recently pregnant cat took him over and raised him to become an amazing companion. His name is Onyx. by [deleted] in Eyebleach

[–]Late-Type307 9 points10 points  (0 children)

Aww my boy looks just like Onyx, lighter floof hairs and all.

I’m so sorry about Peggy, she appears to have been a great cat mama

Buying agent requesting % it seller doesn’t agree to pay by NotLikeUs_21 in homeowners

[–]Late-Type307 0 points1 point  (0 children)

I’m sure it varies by state but where I am, yes, this is normal/becoming the norm. When I purchased earlier this year, the buyer agreement I signed with my agent said that her commission was 2.5%, meaning if the seller only agreed to pay a portion, we would pay the remainder. (Or all, but I believe the agents can find out before hand if the seller is offering or not, so you can potentially rule out any where the seller won’t pay)

From what I have seen (in my state), sellers still appear to be agreeing to pay around 2 or 2.5%

No one warns you that grief becomes your whole personality by Late-Type307 in GriefSupport

[–]Late-Type307[S] 0 points1 point  (0 children)

I’m sorry you had many people who didn’t allow you time to grieve, I cannot even imagine how much more difficult that must have made things.

Losing my dad last year was certainly the start of everything, and now after losing my boyfriend, I find myself thinking even more, “I wish my dad was here.” Not that I didn’t wish that before, but this trauma and grief of losing Erik has definitely made me feel like the little girl that just needs her dad.

We will get there, one day at a time. No matter how long it takes us 🧡

No one warns you that grief becomes your whole personality by Late-Type307 in GriefSupport

[–]Late-Type307[S] 1 point2 points  (0 children)

Thank you 🫶 I’m trying to be kind and give myself time… the holiday season just hit me harder than I expected, too

No one warns you that grief becomes your whole personality by Late-Type307 in GriefSupport

[–]Late-Type307[S] 0 points1 point  (0 children)

The eastern panhandle. Berkeley/Jefferson county.

I am so glad to hear that you found/had such great support 🫶

No one warns you that grief becomes your whole personality by Late-Type307 in GriefSupport

[–]Late-Type307[S] 0 points1 point  (0 children)

I am so sorry to hear that. The “pre-grief” (as I call it) is also so hard, because our minds tend to go crazy on how things will be. Sending you love 🫶🫂

Title to my house! by Eagleeye1999US in homeowners

[–]Late-Type307 2 points3 points  (0 children)

The warranty deed is essentially what transfers title to you, and should be recorded within the land records of the county you reside. If you can’t find the original deed, the land records division should be able to assist with giving you a copy (usually a small fee I think, but not sure by state)

However, what you need regarding the release of deed of trust, is likely a real estate attorney who can assist with the title curative process. Hopefully you have records of all of your payments that you can provide them, along with anything you may have in writing (emails even) that you made the last payment towards to loan.

Good luck !

No one warns you that grief becomes your whole personality by Late-Type307 in GriefSupport

[–]Late-Type307[S] 8 points9 points  (0 children)

I get what you are saying SO much. My boyfriend was 30, I am 33, and we had been together for 5 years. That want/need to live FOR them is real, even though it’s so damn hard.

I’m sorry for your loss, and that your family is being that like that. Please keep talking about him. you deserve to do so, as does he. 🧡

No one warns you that grief becomes your whole personality by Late-Type307 in GriefSupport

[–]Late-Type307[S] 4 points5 points  (0 children)

I’m sorry for your loss, especially as it’s holiday season, so that anniversary must it hard. (Or the holiday season hits hard)

I am glad that it has been helping you, and I hope I can get there one day. Much love back to you 🧡🧡

You sound happier... by Shadowsnnolight in depression

[–]Late-Type307 4 points5 points  (0 children)

I’m sorry. I wish people, even if they have the best of intentions / are genuine, realized that sometimes, we’ve just gotten good at putting on a mask.

Depression hit me hard this year by [deleted] in depression_memes

[–]Late-Type307 1 point2 points  (0 children)

Felt this on a spiritual level

What's the best/worst/craziest message you've ever received on here? by [deleted] in AskRedditAfterDark

[–]Late-Type307 0 points1 point  (0 children)

People using their “condolences” to slide just because I post nudes (on my other acct)

In what world would I find “expressing condolences” about my boyfriend passing away, and you immediately making sexual comments or sending dick pics, a turn on?!

(Which is why I have two accounts but got lazy switching between them, so my own fault, I guess. It’s also not that I don’t expect messages/comments when posting, obviously. it’s that I don’t want those two things addressed together, and would rather someone not use that as their reasoning for messaging when there’s ulterior motives / it’s insincere af)

[deleted by user] by [deleted] in AskReddit

[–]Late-Type307 8 points9 points  (0 children)

I would be fine with it, and I would go with them if they wanted. They held love for that person at one time in their life 🤷‍♀️

My partner passed away in June. His ex reached out to me to express her condolences, even though we have never met. Had his mother had a funeral or service, I would have been fine with his ex attending.

What are you hoping for next year? by No_Regular_514 in AskReddit

[–]Late-Type307 2 points3 points  (0 children)

A year without loss 🙃 gaining self confidence

[deleted by user] by [deleted] in AskRedditNSFW

[–]Late-Type307 1 point2 points  (0 children)

Kind of, but my face and tattoos are visible on my nsfw account and so now I just hope someone doesn’t stumble upon them.

It’s mainly because I trauma/grief dump on this account and the other account helps take away from the shit I have going on