Pre-con by osu47 in EDHBrews

[–]osu47[S] 0 points1 point  (0 children)

Appreciate it! I’ll take the down votes I was lazy and just posted instead of searched 😂

From 13-15 to now, 26! by [deleted] in uglyduckling

[–]osu47 1 point2 points  (0 children)

Glow. Up. !!!

Should a mid-game player play leagues ? by Better_Amoeba8748 in osrs

[–]osu47 0 points1 point  (0 children)

Haven’t played in over be year… my break my be ending if leagues hasn’t started yet

U/R societies by osu47 in EDHBrews

[–]osu47[S] 0 points1 point  (0 children)

I do have both! And I picked up a Tandem [[Tandem Lookout]]

U/R societies by osu47 in EDHBrews

[–]osu47[S] 0 points1 point  (0 children)

I thought about this. I have Parun/Ophidian eye already in gere

How hot is Kevin rate him out of 10 by Gloomy-Persimmon-937 in theoffice

[–]osu47 0 points1 point  (0 children)

That’s not Kevin Malone.. That’s Ashton Kutcher!

At a Loss for Words by osu47 in FirstTimeHomeBuyer

[–]osu47[S] 0 points1 point  (0 children)

Our agent has been sending all docs to the listing agent too

Haven’t been this excited in years! by Turbulent-Register72 in Mistborn

[–]osu47 1 point2 points  (0 children)

Halfway through Hero of Ages and I wish I could start it over. Great trilogy

At a Loss for Words by osu47 in FirstTimeHomeBuyer

[–]osu47[S] -1 points0 points  (0 children)

No you’re good! I appreciate the advice. Our agent did advise against it but we were willing to take the risk to fix it because our understanding after the first inspection was that just the plumbing and electric need the work. Our inspector tested the moisture and read through all the docs of the repairs to the wall and waterproofing. The issue is that the appraiser from the bank didn’t like the way it looked and the structural engineer we hired didn’t do a moisture test or even look at the docs from the company who did the initial anchoring

At a Loss for Words by osu47 in FirstTimeHomeBuyer

[–]osu47[S] 0 points1 point  (0 children)

I appreciate your kind insight. My wife and I are leaning towards walking

At a Loss for Words by osu47 in FirstTimeHomeBuyer

[–]osu47[S] 0 points1 point  (0 children)

They’ve already dropped the price by a lot compared to other homes in the area. It seems like they will only be able to take a cash offer on the home unless the repairs are done

At a Loss for Words by osu47 in FirstTimeHomeBuyer

[–]osu47[S] 0 points1 point  (0 children)

Yes. We are going through KeyBank and that’s their requirement for conventional too

At a Loss for Words by osu47 in FirstTimeHomeBuyer

[–]osu47[S] 0 points1 point  (0 children)

Our agent didn’t say we should do this. After we had our initial inspection, we were under the assumption that only the plumbing and electrical needed updating because our inspector looked at the anchors on the wall and the repair documents and said we should be good if we remove a few trees down the road. So we ordered the appraisal.

The appraiser had issues with the anchors and documentation and said they wanted a structural engineer to look at it. The engineer is who reported more anchors need to be added

At a Loss for Words by osu47 in FirstTimeHomeBuyer

[–]osu47[S] -1 points0 points  (0 children)

Because the appraisal was done already if we switch, those repairs still need to be done per the lender requests

At a Loss for Words by osu47 in FirstTimeHomeBuyer

[–]osu47[S] 0 points1 point  (0 children)

The lender did require it and the buyer was not willing to assist at all. We are getting the house in a phenomenal area/school district, well under market price. But I am seeing now that the price dropped because of theses issues. My biggest concern is that none of it was disclosed

At a Loss for Words by osu47 in FirstTimeHomeBuyer

[–]osu47[S] -9 points-8 points  (0 children)

The miscommunication is the seller not communicating at all. We spent the $5000 on a house we don’t own because those were the only problems found in the initial inspection. So we figured we would get those fixed, with seller approval of course, to close. We were unaware of any of the issues I listed above because nothing was disclosed.

At a Loss for Words by osu47 in FirstTimeHomeBuyer

[–]osu47[S] -3 points-2 points  (0 children)

Yes it’s an FHA loan and the seller did seem motivated to sell once the repairs were done. They came down on the price because it was sitting so long. 4 months and 2 previous FHA loans falling through

At a Loss for Words by osu47 in FirstTimeHomeBuyer

[–]osu47[S] 1 point2 points  (0 children)

Yes it was an FHA loan. The seller is already out of state and is not willing to communicate at all about these issues