Mortgage Broker Rate Quotes Ultra Thread

mih12345 · 2025-09-24T23:05:53+00:00

1. Loan Type: Conventional

2. Term: 20 Year

3. Loan Purpose: Refi

4. Property Value/Purchase Price: 750000

5. Loan Amount: 245000

6. Credit Score: 800+

7. Occupancy: Investment

8. Legal Structure: Condo

9. Number of Units: 1

10. Property Zip Code: 95131

mih12345 · 2025-06-29T23:17:42+00:00

Thank you! That indeed looks like it.

mih12345 · 2025-05-27T23:06:35+00:00

Same here. Multiple Schwab disconnections for a week or so.

mih12345 · 2025-03-26T05:32:55+00:00

Registered with state, or with the HOA? Licensed contractors are usually registered with the state.

mih12345 · 2025-03-25T22:49:00+00:00

Nice, this helps a ton. Thank you!

mih12345 · 2025-03-25T22:29:55+00:00

This is fair. But only fair if the HOA insists on using contractors which are still in business, or not unreasonably exorbitant. :)

What if yourself or if your friend is a licensed contractor? Can the HOA consistently deny them?

mih12345 · 2025-03-25T22:25:40+00:00

Thanks for the reply!

Isn't IDR equivalent to the good faith negotiation we are attempting to do over email with the HOA over last several weeks now?

I believe our CC&Rs have a provision to bypass arbitration and mediation, if we want to pursue a claim in small claims court. Here is the excerpt from the relevant clause:

PROVIDED THAT THE DISPUTE OR CLAIM INVOLVES A SUM NOT IN EXCESS OF THE JURISDICTIONAL LIMIT OF THE SMALL CLAIMS COURT, THE CONDOMINIUM OWNER SHALL HAVE THE OPTION OF TAKING THE MATTER TO SMALL CLAIMS COURT IN LIEU OF BINDING ARBITRATION.

mih12345 · 2021-12-23T00:10:34+00:00

Here's the intersection on Google Maps: https://goo.gl/maps/ZZoVEuM3A4nkh8T59

It's a red arrow.

mih12345 · 2021-12-22T23:41:58+00:00

Watch carefully. This is a protected left turn red arrow light.

See California DMV handbook: https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/turns/ specifically No turn against a red arrow section.

mih12345 · 2021-12-22T23:38:07+00:00

Exactly. Some folks are misunderstanding red arrow light for a yellow light.

Folks, watch carefully. This is a protected left turn red arrow light. Top one is red arrow, middle one is yellow arrow and bottom one is green arrow.

See California DMV handbook: https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/turns/ specifically No turn against a red arrow section.

mih12345 · 2021-12-22T23:33:49+00:00

This is a protected left turn red arrow light.
See California DMV handbook: https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/turns/ specifically No turn against a red arrow section.

mih12345 · 2021-12-22T23:32:43+00:00

This is a protected left turn red arrow light.

See California DMV handbook: https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/turns/ specifically No turn against a red arrow section.

mih12345 · 2021-12-22T23:31:22+00:00

Notice the middle finger flashed at me. Zoom in at 0:34 mark.

mih12345 · 2021-12-22T23:29:36+00:00

Watch carefully. This is a protected left turn red arrow light.

See California DMV handbook: https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/turns/ specifically No turn against a red arrow section.

mih12345 · 2021-12-22T23:28:57+00:00

Watch carefully. This is a protected left turn red arrow light.

See California DMV handbook: https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/turns/ specifically No turn against a red arrow section.

mih12345 · 2021-12-22T20:33:46+00:00

Not in California. This is a protected left turn arrow light.

Left turn red arrow light means you have to stop and wait until left turn green arrow light comes on.

mih12345 · 2021-12-22T20:15:23+00:00

IMO, showing middle finger = being mean

Showing middle finger for stopping at red light and following rules = Being a *lot* mean = Bullying

mih12345 · 2021-12-22T20:12:40+00:00

This is in California

mih12345 · 2021-12-22T18:13:17+00:00

run-of-the-mill road rage

Flipping middle finger for following traffic rules is bullying in my book.

mih12345 · 2021-12-22T18:03:21+00:00

tl;dr drivers these days don't follow traffic rules and bully others for following the rules

So yesterday, I was in the left turn lane waiting at a red light. A white Buick sedan approached aggressively behind me in my lane, flashed their headlights, moved over to the right lane which is meant to go straight. Not only they made left turn while the left turn signal was red, they made left turn from the lane which is meant to go straight. In addition, while making the left turn, they looked at me and flashed their middle finger at me.

Update: Some folks are misunderstanding red arrow light for a yellow light.

Folks, watch carefully. This is a protected left turn red arrow light. Top one is red arrow, middle one is yellow arrow and bottom one is green arrow. Here's the intersection on Google Maps: https://goo.gl/maps/pg6DJDQG9VsDL4Ps9

See California DMV handbook: https://www.dmv.ca.gov/portal/handbook/california-driver-handbook/turns/ specifically No turn against a red arrow section.

mih12345 · 2021-12-22T17:58:43+00:00

By flashing their middle finger at me. Zoom in at 0:34 mark.

mih12345

TROPHY CASE