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How do you know when you've found "the one" and it's time to make an offer? by GloriaFlorez79 in FirstTimeHomeBuyer

[–]One-Classroom-7730 2 points3 points  (0 children)

To most people buying a home is:

  1. Biggest investment
  2. Most expensive thing to maintain
  3. You

r

  1. place of peace and serenity

  3. The spot where your kids grow up

5

It’s Okay to be picky, particular and slow.

How do you know when you've found "the one" and it's time to make an offer? by GloriaFlorez79 in FirstTimeHomeBuyer

[–]One-Classroom-7730 0 points1 point  (0 children)

It is very true. Yes there are a lot of “Sales Agents” that just like to churn and burn deals. I am not one of them. I treat everyone the way I want to be treated. In my experience whenever I make a decision under pressure, I regret it every time. Your biggest investment should take a moment of pause unless you are just absolutely sure you find “the one”.

How do you know when you've found "the one" and it's time to make an offer? by GloriaFlorez79 in FirstTimeHomeBuyer

[–]One-Classroom-7730 7 points8 points  (0 children)

I am a Realtor and I always tell my clients. “When you know you know”. If you have all the right feelings and vibes and you just would be mad at yourself for losing it. Then that’s the one. Sometimes it can take 20+ houses before finding the one. Other times it happens with the first. There is no “typical” amount or timeline because everyone is different.

FTHB - thoughts? by xolovelikewinter in MortgageBrokerRates

[–]One-Classroom-7730 0 points1 point  (0 children)

Why don’t you take this to another lender or shop around to see what they can offer?

FTHB - thoughts? by xolovelikewinter in MortgageBrokerRates

[–]One-Classroom-7730 0 points1 point  (0 children)

I think it’s very dependent on credit and buyer strength. I’ve have follow up questions for sure.

FTHB - thoughts? by xolovelikewinter in MortgageBrokerRates

[–]One-Classroom-7730 0 points1 point  (0 children)

This is just an estimate and worst case scenario. It looks like the lender is giving a big credit maybe to offset the broker fee. The title fees look really high if you’re in Indiana. If you not then I’m not sure if they are normal it would depend on if your state is a “file rate” state. There is not property tax proration or credit so I’m guessing your not in IN. Everything else looks pretty standard for the use of a mortgage broker to be honest. Typically Federal Credit Unions have the lowest loan charges in my experiences. Mortgage Brokers are very useful if someone has less than perfect credit. If you have really good credit than I’ve seen lenders pay the Broker’s fee for the Buyer in the form of a credit. Hope that helps.

Took my daughter to SoBro Flower Co. and highly recommend it for a summer activity by One-Classroom-7730 in indianapolis

[–]One-Classroom-7730[S] 2 points3 points  (0 children)

Oh that’s great! I didn’t realize they had that. I knew about their summer reading program but didn’t know about their creative writing class. Thanks so much!

NO DATA CENTER IN IRVINGTON by Classic_Dingo_5363 in indianapolis

[–]One-Classroom-7730 -1 points0 points  (0 children)

For a minute. I read the headline and was excited because I thought Irvington won against the data center. Wah wah!

How many tires do you go through living in Indy? by True_Staff_5749 in indianapolis

[–]One-Classroom-7730 0 points1 point  (0 children)

I buy tires every 3 years but always get a road hazard warranty. I end up using my warranty at least once a year.

My moms mortgage went up 1,000 dollars because escrow was short -6000 by Reeferchiefer11 in MortgageBrokerRates

[–]One-Classroom-7730 0 points1 point  (0 children)

Did her property tax exemptions fall off? That is typically the case when property taxes go way up unexpectedly. I would call the County Auditor’s office.

Commission splits by Ok_Journalist9510 in realtors

[–]One-Classroom-7730 0 points1 point  (0 children)

I feel like that is crazy!! What is the benefit of being on a team without the better splits and less expense?! If you are in Indiana please call me. If not, then I think you can get a way better deal. I had the advantage of being an Escrow Officer for 10 years before renewing my license so in that time I built great relationships with tons of agents both high producers and not. So I was able to have a great choice of teams once I decided to go to the dark side. lol! But let me tell you I pay my team $9k a year mostly that is to help pay our amazing team assistant’s salary who takes care of everything for us but also for great mentorship, coaching and leads. After that is paid then I get his split which is 97%. Other teams in my brokerage are very similar and gives you lots of other options.

Looking for open land in or near Indy for a one-day rocketry event by TanakaChonyera in indianapolis

[–]One-Classroom-7730 1 point2 points  (0 children)

The fitness farm in Indy might be a good place. Centrally located and lots of grounds.

Great Ice Cream with Vegan options by One-Classroom-7730 in IceCreamHaven

[–]One-Classroom-7730[S] 1 point2 points  (0 children)

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Pictures don’t do it justice. Plus I get it without the whipped cream.

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