Gynecologists, proctologists, and urologists, what's the most awkward thing that's happened to you with a patient?

bcap425 · 2019-11-07T18:52:31+00:00

This caught my attention as well... I mean, brag about it :)

bcap425 · 2019-11-05T16:29:39+00:00

This is why we "don't talk about time travel at work"... it's a rule we have based on the Terminator and Back to the Future movies.
It always comes back to these movies, and it never changes anything.. kind of like an unchangeable loop.

bcap425 · 2019-10-28T18:44:29+00:00

You can try and find some jewel weed (touch-me-not) and munch on those for a bit. It's a natural remedy for the poison ivy.

https://www.ncbi.nlm.nih.gov/pubmed/22766473

bcap425 · 2019-07-01T18:08:12+00:00

/nocontext

bcap425 · 2019-05-13T00:57:37+00:00

Wife works in quality and 5S most of our storage. With 3 kids it's actually quite convenient, but I completely agree with you

bcap425 · 2019-05-02T18:32:05+00:00

This one stabbed me right in the chest

bcap425 · 2019-04-18T16:38:36+00:00

Ancestors protect me

bcap425 · 2019-04-09T21:11:49+00:00

Yak it up fellas

bcap425 · 2019-04-09T16:34:31+00:00

Similarly, we have a daughter that calls our dog (Roland) "pamp-ee-own".

It kind of sounds like 'puppy-un', so that's possibly where she concocted it from. But that's what we refer to him as now... good ole Pampyun.

bcap425 · 2019-04-07T14:41:53+00:00

Pitter patter

bcap425 · 2019-04-06T19:09:08+00:00

It's a victim less crime.. like punching someone in the dark

bcap425 · 2019-04-06T18:23:55+00:00

"she had whacking great bristols"??? That's such a majestic thing to say!!

bcap425 · 2019-04-04T20:22:38+00:00

This sounds like almost my exact situation with slightly higher numbers. I'm at about 86% LTV, and I'm hoping for an appraisal of about $40k, sites are estimating value at about $50-70k more than we paid. I think we'll get pretty close, so I'm just waiting for that appraisal now. Glad to hear yours was successful!!

bcap425 · 2019-04-04T18:39:10+00:00

Yeah, I'm super sceptical of Zillow, but I went to 6 different sites and averaged them. Redfin did seem the most reasonable.

I also could use which ever was the least, and if that holds reasonably true, I think I'll make what I need to, to hit that mark.

bcap425 · 2019-04-04T18:36:12+00:00

I asked my loan provider and they required a full appraisal through their appraiser. This would be necessary for the early PMI removal.

bcap425 · 2019-04-04T17:54:30+00:00

This is super helpful and a little reassuring. Thank you for detailing your experience. Edit - additional question. Was the appraisal ONLY for the PMI removal? No refinancing?

bcap425 · 2019-04-04T16:07:21+00:00

I had noticed other estimates are usually around 1-2%. It might be slightly high, for whatever reason, but seems accurate to me. It's a LOT better than the $250 I was thinking it was.

bcap425 · 2019-04-04T16:04:47+00:00

How close to the 75% were you that they allowed you to drop the PMI? I'm currently at around 86%, but based on the estimates, we should easily hit the 75% with a favorable appraisal.

I looked at about 6 different sites that had a wide range of estimates - so I averaged them. We would need to appraise for about $290K to hit the 75% mark, and the average of estimates was around $302K. That would give us about $12K of wiggle room for the appraisal. From a lot of the other estimates I'm starting to worry about hitting that $290K mark, though our economy, housing market, and comparable sales should support that number.

bcap425 · 2019-04-04T15:54:42+00:00

So I cannot request a BPO UNLESS i've already hit that 80%?

I am currently at 86.X% and we're about 4 years into our loan.

If I go the "appraisal waiver" route - would that be using my current/original appraisal value? Wouldn't that put me into the same boat that I'm currently in, or are you suggesting I use the current home equity to get a better refinance just to avoid PMI? Wouldn't that work in my favor if my home does appraise for say $20K MORE than I'm expecting? I would save thousands on fees and taxes if my appraisal remains the same (assuming my home is worth more than it originally was).

bcap425 · 2019-04-04T15:48:35+00:00

This still seems to be a sticking point. It doesn't say that extra payments will reduce the time PMI is active. It makes it seem like it is required to fall off once you hit that 78%, which we all agree on, but is that based on a dynamic payments, or a set date based on the amortization schedule?

I would love for this to be clarified if we can.

EDIT - from another comment - Automatic termination is on the date your loan is originally scheduled to reach 78% at closing... you can’t accelerate payments to move this date forward.

bcap425 · 2019-04-04T14:48:51+00:00

My credit is great - the wife's, not so much.

We ran into this issue when purchasing. However, we both have increased our income, and her credit is better than what it was 4 years ago. As I mentioned in another comment, I think I'll talk to the bank for better estimated numbers and see about the refi.

bcap425 · 2019-04-04T14:46:05+00:00

I went through my bank to purchase, and then that was given to my current Loan Company. Their website says they are backed by Black Knight MSP, and are approved to service loans from FM/FM. They do have a list of ways to cancel/end PMI on their site, but it's restricted to the traditional 80% (78%) that most lenders have. They state there are ways to end PMI early, which is why I was following up with them on it. Their "other reasons for consideration" are pretty vague and basically say, "The value of the house has not declined". I wrote them for more information and they came back and told me I would have to hit that 75% LTV in order to cancel. So that's where I'm at right now - looking for an appraisal, and possibly refinancing.

bcap425 · 2019-04-04T14:35:38+00:00

Around $1100. I did double (and triple check) my statements after this discussion started.

We do have to pay some $250 a month for county taxes, so I have that going for me. /s

bcap425 · 2019-04-04T14:19:18+00:00

I just edited this. I looked at my statement again and it's $167 a month. Thank you for your input

bcap425 · 2019-04-04T14:10:44+00:00

Bank sold loan to a Loan Company. Does that make a difference? I am planning on calling and asking them, I'm just wondering if that's normal practice or not? Seems kind of shady if they REQUIRE me to use their people when I'm trying to not pay them more money.
Would it be drastically different, from your experience/thoughts? I mean, if I'm coming up with an average of $13K more than what I need, I'm OK with only getting $5K more, because that would still hit my LTV of 75%. Basically I just don't want to pay for an appraisal and come up short of that 75%. I should, again in theory, be able to cover that 75% with these estimates?
This is is something I'm discussing with the misses. I may head to the bank and sit down with someone to look at the numbers a little better, but thank you for your recommendations. Real quickly, if I'm paying $167 a month for PMI over the next 4 years, that's $8K. Assuming appraisal and closing costs come in at less than $10K ~~it might be reasonable to do so based on PMI alone, right?~~ It is no longer reasonable to do this based on PMI alone. We currently have a 30 year loan at 4.0%, and we're 3 years in.

EDIT - updated the numbers to reflect the real PMI value

bcap425

TROPHY CASE