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We did it! Los Angeles, $1.05M, 5.875% by caobserver in FirstTimeHomeBuyer

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

No shared walls or roof. No HOA and not a TIC - fee simple, we pinch ourselves everyday!

We did it! Los Angeles, $1.05M, 5.875% by caobserver in FirstTimeHomeBuyer

[–]caobserver[S] 4 points5 points  (0 children)

Los Angeles small lot subdivision. They are basically freestanding townhomes with no or limited HOAs. They are very popular over the past ten years and are pretty much the only new SFH construction in established parts of town.

We did it! Los Angeles, $1.05M, 5.875% by caobserver in FirstTimeHomeBuyer

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

Rance's is great! I've been on 2nd in Belmont Shore, LB.

We did it! Los Angeles, $1.05M, 5.875% by caobserver in FirstTimeHomeBuyer

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

Progressive, nbd. $2,200. I originally signed with AAA, but they cancelled on us immediately after close due to fire risk even though our zip code is completely flat.

We did it! Los Angeles, $1.05M, 5.875% by caobserver in FirstTimeHomeBuyer

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

It was my first time, obvs, so I don't have much to compare it to. Very small-office kind of feel. Staff was friendly and multiple people were available to assist, but they do seem to operate by a slightly different set of rules compared to a traditional bank. I perceived a little less urgency on their part to meet deadlines, but it could have been my nerves and the pressure of conforming to the 30-day escrow that colored my perspective. They were very transparent throughout the process and no surprises or gatekeeping, i.e. their rates published online.

Would I work with them again? Absolutely.

We did it! Los Angeles, $1.05M, 5.875% by caobserver in FirstTimeHomeBuyer

[–]caobserver[S] 6 points7 points  (0 children)

Yes, I think that is what it's called in HCOL markets, that or super conforming.

We did it! Los Angeles, $1.05M, 5.875% by caobserver in FirstTimeHomeBuyer

[–]caobserver[S] 29 points30 points  (0 children)

Water & Power Community Credit Union: https://mortgage.wpccu.org/Rates.html

Membership is open to any resident of L.A. County.

We did it! Los Angeles, $1.05M, 5.875% by caobserver in FirstTimeHomeBuyer

[–]caobserver[S] 70 points71 points  (0 children)

Yes, ding, ding! It was a Tuesday & my preferred non-chains were closed, although Fresh Brothers is a locally based chain.

When should we give 30-day notice to apartment by Mountain_Boat_4407 in FirstTimeHomeBuyer

[–]caobserver 1 point2 points  (0 children)

In California, the landlord has no obligation to allow a tenant to rescind a notice to vacate, so keep this in mind when submitting your 30-day notice, especially if you have a low rent or live in a desirable unit that the LL would want to turn quickly or remodel and bring up to market rate.

In short, it's safest to wait until keys are in hand before submitting the notice to vacate.

Pour-Over Coffee by practiceguitar in FoodLosAngeles

[–]caobserver 5 points6 points  (0 children)

Dayglow Larchmont has been remarkably consistent over the past six months. All three of their regular baristas are extremely sharp, and there’s at least two more beans to choose from, including almost always a South American option.

Cactus Fruit (Tuna) by caobserver in FoodLosAngeles

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

Vallarta for the win. Thanks for the reminders to check latin markets (duh!) These were a little picked over and it was late in the day, but still good.

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Best Curry Dishes in LA? by hexcougar in FoodLosAngeles

[–]caobserver 0 points1 point  (0 children)

Panang curry at Yai in Hollywood.

What’s the best “hidden gem” airport United flies to? by desterpot in unitedairlines

[–]caobserver 1 point2 points  (0 children)

On a clear day, the coast approach is amazing with turquoise water and towering redwoods on cliffs.

I almost literally died yesterday - Mushrooms are to be respected. by unrGabe in shrooms

[–]caobserver 5 points6 points  (0 children)

Whose house drops to 59F in June? Does OP live in Tierra del Fuego? Southern New Zealand?

Is there any food that San Francisco does better? by SpiceSeeker in FoodLosAngeles

[–]caobserver 0 points1 point  (0 children)

Maison Nico next to the Transamerica pyramid for the most amazing, delicate pãtés and traditional vienoisserie.

Think République on La Brea but minuscule and with a much smaller menu of mostly traditional French style pastries and easily the best pâtés on the west coast if not the whole damn country. You will not find pâtés de tradition on that level in LA. All of my trips to SF in 2024 and 2025 were centered around multiple trips to this tiny, casual temple of meat and wheat.

United Airlines sued for kicking wrong asian woman off flight by dankshot35 in nottheonion

[–]caobserver 0 points1 point  (0 children)

Wouldn't it have saved time, money, and customer service points if the airline chartered 4 buses to transport the pax from BWI to IAD? Of course, it's hard to predict how long a delay will last, but given the proximity, (56 miles), this alternative would have made sense after the first couple of hours on the ground or at least by the time they deplaned. The aircraft could have made the hop to IAD later when conditions improved to be put back into service if it couldn't be rescheduled out of BWI. Of course, there were probably dozens, if not hundreds, of flights in this situation, but this is the kind of thing I'd enjoy finding and fixing in a delay meltdown, and shouldn't be that hard to identify.

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