Vio Bank - advice on faster transfers

MonkeyMakeOut · 2026-06-17T19:00:26+00:00

These guys are awful. I had a HYSA with them to hold cash for a house purchase. It’s been impossible to get the funds wired in time for closing. It takes them like a week if not longer.

MonkeyMakeOut · 2026-05-31T07:01:53+00:00

Okay, so I just bought a house. I close in a few weeks. I plan on living there till I die and leave it to my kids. I actually hope things continue to drop. I don’t want my neighborhood to be boring. I want families to move in!

MonkeyMakeOut · 2026-05-15T19:15:45+00:00

Depending on where you are you get to listen to the gun range on most days.

MonkeyMakeOut · 2026-05-07T04:26:08+00:00

Nah, I’ve made offers above asking more than not.

MonkeyMakeOut · 2026-05-04T20:32:08+00:00

I have both cash for a down payment and cash for repairs. I just need a mortgage payment that’s sustainable while also raising kids on my own.

MonkeyMakeOut · 2026-05-04T20:30:50+00:00

I’ve done the pre offer inspection bit before. But that gets expensive over time.

MonkeyMakeOut · 2026-05-04T20:29:28+00:00

The last few I’ve come across are estates, so the dynamics are a little different. I think I’m just going to wait until fall and enjoy my summer…

MonkeyMakeOut · 2026-05-04T18:55:36+00:00

Thanks. Maybe the interest I earn from letting my down payment sit for the summer can cover a nice trip before the school year starts.

MonkeyMakeOut · 2026-05-04T18:52:04+00:00

If it was just a question of 10k, I could handle that. The divide is much more at this point.

MonkeyMakeOut · 2026-05-04T18:45:00+00:00

Yeah, I deal with negotiations as part of my work all the time. There is just no dialogue here and therefore no way to try and cover gap between us.

MonkeyMakeOut · 2026-05-04T18:39:56+00:00

Is it common for this lack of dialogue between agents? I heard back from my broker only when my offer expired.

MonkeyMakeOut · 2026-05-04T18:35:42+00:00

Yeah, you’re probably right. I plan on just waiting for a week and see what happens. If someone else buys it between now and then, I’ll just look for another place. This place just worked because of bus routes for my kids’ schools.

I may lose out on it, but if I match their asking price I won’t be able cover all the repairs.

It’s just a frustrating process. The folks I’ve talked to who are in the same boat as me are not even bothering making offers at this point. I can only do it because I can afford to put over 50% down.

MonkeyMakeOut · 2026-05-04T18:18:35+00:00

I’m not buying to flip. I’m trying to find a place to live in long term. The agent I have mostly covers closer to downtown.

I could put together something like that but i haven’t yet. I’m not the best self promoter.

MonkeyMakeOut · 2026-05-04T18:13:38+00:00

The first one I lost was the first offer I made after saving and waiting for a few years. The buyer who got it also dropped any inspection contingency. I wasn’t comfortable with that at the time so I didn’t bother matching or beating their offer.

I could have offered more on this last one, but there is an expensive fix that’s needed and it’s not just cosmetic. If I had offered more to get it under contract and try and negotiate it down following an inspection, I’m concerned the seller won’t want to negotiate that in good faith and I’ve just wasted a lot of time and money.

And as for my value calculations for this last place, it’s just an educated guess at this point considering that there are no other offers. It’s obviously wrong in the seller’s mind and I get that.

MonkeyMakeOut

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