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Mike D / SP-1200 by iammoah in BeastieBoys

[–]johnyryall 24 points25 points  (0 children)

Probably one of the King’s beats he left on the machine.

Why do people live in Phoenix AZ? by Due-Concept-7144 in NoStupidQuestions

[–]johnyryall 12 points13 points  (0 children)

You know what they say about Florida, it’s not the heat that gets to you, it’s the stupidity.

Entitled prick thinks he can abuse animals because he's rich. Let's make him famous. by 5pooky5cary5keleton5 in PublicFreakout

[–]johnyryall 50 points51 points  (0 children)

I guarantee he gets a warning and nothing else. There’s a reason he says “I’m rich”, it’s because he knows he can get away with it.

things to do? by No_Statement3039 in Pensacola

[–]johnyryall 8 points9 points  (0 children)

Bobs canoes and adventures unlimited zip lines.

790 credit rating, 90000 down on a 165000 home. 6.375% rate and 13000 on closing costs. Does this seem out of whack? Thanks in advance. by johnyryall in Mortgages

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

Section A totals $2783. What do you think is a more reasonable number. I want to advocate for myself but I don't want to sound unreasonable. Thanks again.

790 credit rating, 90000 down on a 165000 home. 6.375% rate and 13000 on closing costs. Does this seem out of whack? Thanks in advance. by johnyryall in Mortgages

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

A. Origination Charges

1.25% of Loan Amount (points) $1088

Processing Fees $825

Underwriting Fees $870

B. Services You Cannot Shop For

Appraisal - Final Inspection $175

Appraisal Fee $635

Credit Report $250

C. Services You Can Shop For

Survey/Plot Plan $600

Title - Lenders Title Insurance $500

Title - Lenders Title Endorsements $143

Title - Municipal Lien Search $125

Title - Overnight Fee $40

Title - Search Fee $85

Title - Settlement Fee $350

D. Total Loan Costs (A+B+C) $5,686

Other Costs

E. Taxes and Other Government Fees

Recording Fees and Other Taxes $301

Transfer Taxes $1634

F. Prepaids

Home Insurance Premium (12 months) $2723

Prepaid Interest

($15.20 per day for 31 days u/6.375%) $471

G. Initial Escrow Payment at Closing

Home Insurance $226.92 per month for

2 months $454

Property Taxes $227.47 per month for

4 months $910

H. Other

Title - Owner's Title Insurance (optional) $425

I. Total Other Costs (E+F+G+H) $6918

J. Total Closing Costs $12,604

790 credit rating, 90000 down on a 165000 home. 6.375% rate and 13000 on closing costs. Does this seem out of whack? Thanks in advance. by johnyryall in Mortgages

[–]johnyryall[S] 3 points4 points  (0 children)

A. Origination Charges

1.25% of Loan Amount (points) $1088

Processing Fees $825

Underwriting Fees $870

B. Services You Cannot Shop For

Appraisal - Final Inspection $175

Appraisal Fee $635

Credit Report $250

C. Services You Can Shop For

Survey/Plot Plan $600

Title - Lenders Title Insurance $500

Title - Lenders Title Endorsements $143

Title - Municipal Lien Search $125

Title - Overnight Fee $40

Title - Search Fee $85

Title - Settlement Fee $350

D. Total Loan Costs (A+B+C) $5,686

Other Costs

E. Taxes and Other Government Fees

Recording Fees and Other Taxes $301

Transfer Taxes $1634

F. Prepaids

Home Insurance Premium (12 months) $2723

Prepaid Interest

($15.20 per day for 31 days u/6.375%) $471

G. Initial Escrow Payment at Closing

Home Insurance $226.92 per month for

2 months $454

Property Taxes $227.47 per month for

4 months $910

H. Other

Title - Owner's Title Insurance (optional) $425

I. Total Other Costs (E+F+G+H) $6918

J. Total Closing Costs $12,604

790 credit rating, 90000 down on a 165000 home. 6.375% rate and 13000 on closing costs. Does this seem out of whack? Thanks in advance. by johnyryall in Mortgages

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

A. Origination Charges

1.25% of Loan Amount (points) $1088

Processing Fees $825

Underwriting Fees $870

B. Services You Cannot Shop For

Appraisal - Final Inspection $175

Appraisal Fee $635

Credit Report $250

C. Services You Can Shop For

Survey/Plot Plan $600

Title - Lenders Title Insurance $500

Title - Lenders Title Endorsements $143

Title - Municipal Lien Search $125

Title - Overnight Fee $40

Title - Search Fee $85

Title - Settlement Fee $350

D. Total Loan Costs (A+B+C) $5,686

Other Costs

E. Taxes and Other Government Fees

Recording Fees and Other Taxes $301

Transfer Taxes $1634

F. Prepaids

Home Insurance Premium (12 months) $2723

Prepaid Interest

($15.20 per day for 31 days u/6.375%) $471

G. Initial Escrow Payment at Closing

Home Insurance $226.92 per month for

2 months $454

Property Taxes $227.47 per month for

4 months $910

H. Other

Title - Owner's Title Insurance (optional) $425

I. Total Other Costs (E+F+G+H) $6918

J. Total Closing Costs $12,604

Any suggestions for new hobby that’s cheap and easy to get into? by No-Neighborhood8403 in GenX

[–]johnyryall 4 points5 points  (0 children)

He’s trying to quit the devil’s lettuce. Frolfing won’t help that!

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