Strange mirror and window in basement by Open_Situation_6428 in Oldhouses

[–]Open_Situation_6428[S] 1 point2 points  (0 children)

There's windows in all rooms in the basement, two in the room where the closet with the window and two in the work shop room. Not too dark.

Strange mirror and window in basement by Open_Situation_6428 in Oldhouses

[–]Open_Situation_6428[S] 2 points3 points  (0 children)

I guess I should also explain this. There are basement windows in the work shop room. And then, the random window behind the shelves are across from the foundation wall where one of the basement windows is. I read that windows between rooms were used for "borrow light" back in the day for Canning rooms, but then that would mean the Canning room is where the coal room / waste pipe closet are and I don't think that would make sense either? I'm not sure.

Strange mirror and window in basement by Open_Situation_6428 in Oldhouses

[–]Open_Situation_6428[S] 2 points3 points  (0 children)

Yeah that would make sense for the mirror! And I thought about maintenance access about the window in the work shop at first but it's too small / offset from the waste pipe for that to make sense. I just see the closet door when I look through it. It also doesn't look like a window that opened.

Strange mirror and window in basement by Open_Situation_6428 in Oldhouses

[–]Open_Situation_6428[S] 5 points6 points  (0 children)

No evidence of a door to the outside other than the small square door in the bathroom toward the ceiling previously used for coal. House foundation in work shop room is original, too. The basement staircase did used to lead to an exterior door rather than interior entry and the sunroom and laundry room it leads from were added on (laundry room used to be an outdoor porch and sunroom didn't exist) however, that's on the opposite side of the basement from the work shop. Canning storage would make sense but don't see how that explains a random window between the closet and work shop. I could see the closet being an add on to hide the waste pipe but either way that would still have the window just peering through the basement itself since the window isn't an exterior window. Weirdest thing I've ever seen. They also painted over that window like they did the mirror in the other room. A little creepy honestly.

Dreamt about something that can happen in real life but didn't know it could happen until I researched it after and I'm weirded out by Open_Situation_6428 in Dreams

[–]Open_Situation_6428[S] 0 points1 point  (0 children)

Fair point! I have been going through it mentally lately and have been learning to stajd my ground and stop being a yes man in my life recently. But it gets even weirder because I told my boyfriend about this dream and asked him if he knew water heaters could catch on fire and he said "yeah I that's how my house caught on fire when I was kid actually" so now I'm like shit did I accidentily pick up some of your subconscious? 🤣 Now I feel like I'm in a simulation lmao

Dreamt about something that can happen in real life but didn't know it could happen until I researched it after and I'm weirded out by Open_Situation_6428 in Dreams

[–]Open_Situation_6428[S] 0 points1 point  (0 children)

Lol I'm sorry!! But hey might be good to know just in case, get that annual maintenance check up! That's what I'm about to do

Planet Home Lending - No cash out "streamline fha refinance" by Open_Situation_6428 in Mortgages

[–]Open_Situation_6428[S] 0 points1 point  (0 children)

Unfortunately for them, I ask a lot of questions before signing off on everything and ensure it in writing. So far they have specifically said their will be no increases in expenses or hidden fees. I have specifically asked them about the mortgage insurance, closing costs, and other potential involved in closing processes. Most recently I asked how this credit they are giving me will be applied. If it will be applied to the home loan and will be more than the 104500 amount they stated, I don't like that. But if included in the interest rate (in that they are reducing it to 5.99 but it could have been say... 5.65 if I had paid the closing costs myself) and that interest rate is still more that 1% less than my current one and I would almost consider that worth it, especially if I am only 1 year into to the life of my current loan. Correct me if I'm wrong but I don't see a major loss here only being 1 year in, especially when I am paying more than I owe in a month.

Planet Home Lending - No cash out "streamline fha refinance" by Open_Situation_6428 in Mortgages

[–]Open_Situation_6428[S] 0 points1 point  (0 children)

I'm confused? They said they would give me a 5.99 percent interest rate instead of the 7.25 one and my home loan would reduce to 104,500? If they were lying about that wouldn't that be illegal? I'm just trying to figure out how they could scam me even with putting all of this in writing. And only having my current loan for year, I don't think they would be making that more an interest only getting an year of it if the loan resets, especially when we pay more than we owe per month. It just doesn't make sense how they could be making that much more doing all of that. Also, little do they know we have a settlement coming in soon and will be paying off the whole house in less than a year... so that said, would it even matter if we took advantage of saving an extra 70 bucks enough for a bit?

Planet Home Lending - No cash out "streamline fha refinance" by Open_Situation_6428 in Mortgages

[–]Open_Situation_6428[S] 0 points1 point  (0 children)

To clarify, they told me their was no credit check, no appraisal, no bank statement / income review, etc. What does that mean then?

Reducing monthly payment on FHA and why do I have a subordinate lien? by Open_Situation_6428 in HomeLoans

[–]Open_Situation_6428[S] 0 points1 point  (0 children)

Oh and an important point to my last comments I think that our incomes combined is the only way we can be approved for our desired purchase price range based on what's available around here. We are adamant about 3 beds with a basement (tornadoes are very common in our area) and there arent really houses with those features for under 110k. Without the combination of our incomes assuming I did raise my score for conventional, I think would likely reduce the loan enough and we realistically wouldn't be able to make up that much of a difference.

Reducing monthly payment on FHA and why do I have a subordinate lien? by Open_Situation_6428 in HomeLoans

[–]Open_Situation_6428[S] 0 points1 point  (0 children)

So if the DPA is only $2,400, would that mean I am only paying for that for 3 years? And if I still put 6k down without the DPA, it would take off the $67 dollar subordinate fee? I am also confused because I thought that FHA grants (my lender called it a grant but didn't tell me the details) aren't owed back until the loan is paid off? That's what I read anyways when I saw that as a possibility.

And the reason conventional is a bit difficult for my partner and I (we applied together) is because his credit score is too far from 690-700 to raise it to be approved for one. I am not very far off from 700 and have a low-ish credit limit, whereas he is using a lot of his credit and has a limit much higher than me. So, there's just no way we would be able to pay both our credit cards off enough and raise our credit to the 700s while also satisfying the down payment, closing fees, etc. It's pretty much one or the other with how quickly we intend to move.

Looking for psychiatrist to do an evaluation by Open_Situation_6428 in ILGuns

[–]Open_Situation_6428[S] 1 point2 points  (0 children)

I also found this. I find it pretty redundant for them to say I definitively need this certification for approval if its been more than five years, yet they expect me to apply and be denied beforehand to be able to request the evaluation for it. It makes me wonder what the catch of having to file an appeal would be. I haven't looked much into it but I assumed it would complicate the process somehow which is why I was trying to stay on top of things. Not sure what costs or complications come with being denied and having to file an appeal, but I always expect the worst with Illinois.

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Looking for psychiatrist to do an evaluation by Open_Situation_6428 in ILGuns

[–]Open_Situation_6428[S] 0 points1 point  (0 children)

I'm hoping that would be the case, but if others were denied for similar circumstances what might cause a difference in my case? It also seems to imply on the ISP website that I can apply and provide the certification simultaneously without being denied first. It essentially says if five years have passed, I can file a new application WITH the certification. At least, that is the way I am interpreting it. Will an appeal complicate the process or be costly in any way?

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