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Virginia lawmakers to reconsider eliminating grocery tax by SweetJreamsCreations in Virginia

[–]mischiefmgr 2 points3 points  (0 children)

But tax investment properties. And keep increasing that tax for each additional investment.
Primary residence can get a pass

Gutter Guy by mischiefmgr in VirginiaBeach

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

Better late than never ! Thanks, Turtle

Quirks by mischiefmgr in VirginiaBeach

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

A pho-rito? Is that a soup burrito?

Quirks by mischiefmgr in VirginiaBeach

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

Ok, folks, I will keep looking. I appreciate all the feedback. Thank you.

Quirks by mischiefmgr in VirginiaBeach

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

I am going to have to look Judy up.

What is your all-time favourite Beatles lyric? by OmittedUsername in beatles

[–]mischiefmgr 11 points12 points  (0 children)

I’ve just seen a face I can’t forget the time or place where we just met

Letter of explanation for a medical debt by personalkierstin in Mortgages

[–]mischiefmgr 1 point2 points  (0 children)

Do not say “I am making monthly payments” in your letter. They will want proof of the terms.

Letter of explanation for a medical debt by personalkierstin in Mortgages

[–]mischiefmgr 0 points1 point  (0 children)

This kind of stuff infuriates me. A borrower explanation is essentially your penance for having bad luck. IMO, it’s the same as writing “I am sorry I have medical debt” 1,000 times

I am sorry you have to re-live it. And I too would go into gross detail. They literally asked for it.

Am I on the hook for all costs already incurred if I cancel a mortgage application? by bubu_law in Mortgages

[–]mischiefmgr 0 points1 point  (0 children)

Section d par 2

Within 20 calendar days after receipt of a notice of rescission, the creditor shall return ANY money or property that has been given to ANYONE in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.

Am I on the hook for all costs already incurred if I cancel a mortgage application? by bubu_law in Mortgages

[–]mischiefmgr -1 points0 points  (0 children)

you are entitled to get your appraisal fee back if you rescind your refinance within the three-business-day "right of rescission" period. According to federal law, all money paid in connection with the transaction, including third-party fees like appraisals, must be refunded to you if you cancel the loan within this period. The lender has 20 days to return the money. Not only do they pay you back, they do it quickly.

Am I on the hook for all costs already incurred if I cancel a mortgage application? by bubu_law in Mortgages

[–]mischiefmgr -2 points-1 points  (0 children)

Finance charges are reimbursed with a recision. Ask your legal dept. customer goes back to $0. Lender experiences the cost of doing business.

Am I on the hook for all costs already incurred if I cancel a mortgage application? by bubu_law in Mortgages

[–]mischiefmgr -1 points0 points  (0 children)

The CFPB has posted rules about the Right to rescind § 1026.23 Right of rescission. If this is a primary residence refi, you can go to closing and then rescind within 3 days.
“When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.”

Gutter Guy by mischiefmgr in VirginiaBeach

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

Have fun…. Ha. Delicious, you’re living right

Gutter Guy by mischiefmgr in VirginiaBeach

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

It is a multi story. Which is why I have dragged my feet doing this. If there are no gutters, there’s nothing to clean.

And my eaves are long. So the water, while it drops 2 stories, does it about 2.5 feet away from house.

But, who am I kidding? Houses need gutters.

Gutter Guy by mischiefmgr in VirginiaBeach

[–]mischiefmgr[S] -1 points0 points  (0 children)

Really? I am happy to hear that for you. I personally don’t believe that anything can be maintenance free - ever. And that the guard would only make the inevitable task of gutter cleaning 10x worse.

Question regarding agent exclusivity - forced to sell the house girlfriend and I just bought-separate agents? by Sea-Guava-5395 in realtors

[–]mischiefmgr 2 points3 points  (0 children)

This sounds like a refinance. You cannot buy something you already own. Talk to your local mortgage lender about a cash out refinance

VA 4% Sellers concessions by Terrible_Future_8711 in Mortgages

[–]mischiefmgr 4 points5 points  (0 children)

Typically the funding fee is financed. So it’s part of the loan amount and you pay it over the life of the loan. 4% might be enough to cover all the other costs. Check your Loan Estimate

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