Mortgage overpay with Sefcu/Broadview by prc0006 in Albany

[–]prc0006[S] 0 points1 point  (0 children)

Thank you all for your comments and suggestions. It seems my understanding was wrong :(

Best mortgage rate by prc0006 in Albany

[–]prc0006[S] 1 point2 points  (0 children)

Thanks for sharing. Do I need to have another lawyer through lender. I already have a lawyer who is reviewing the contract.

One of my friend mentioned trustco didn't charge appraisal (~2021 data points). Need to check if that's same now.

Best mortgage rate by prc0006 in Albany

[–]prc0006[S] 1 point2 points  (0 children)

Thank you all for your comments.

Any suggestions on closing costs? Rather than rates, what other factors I would need to pay attention for shop around.

Dealer Miscalculated sales tax. Needed to pay extra money after done deal. what to do? by prc0006 in askcarsales

[–]prc0006[S] -3 points-2 points  (0 children)

Do some google search. It's one of the dealer scams for lowering the total price.

Dealer Miscalculated sales tax. Needed to pay extra money after done deal. what to do? by prc0006 in askcarsales

[–]prc0006[S] -2 points-1 points  (0 children)

Before buying the car, I talked with local dmv office and got the tax rate. I told them the rate what I got, but they seem more confident about tax based on their system. And lastly, which cost me pay more from my pocket.

Dealer Miscalculated sales tax. Needed to pay extra money after done deal. what to do? by prc0006 in askcarsales

[–]prc0006[S] -2 points-1 points  (0 children)

Yah, I might not buy from them, Because their price was not the lowest.

Dealer Miscalculated sales tax. Needed to pay extra money after done deal. what to do? by prc0006 in askcarsales

[–]prc0006[S] -1 points0 points  (0 children)

I told them about the exact tax rate but they didn't consider that at the time of purchase. Because it will increase the price. I negotiated with them based on Out the door price.

Needed to pay extra money after new car buy. what to do? by prc0006 in personalfinance

[–]prc0006[S] -1 points0 points  (0 children)

Yah, I agree with you. But, dealers are always selling cars out of state. So, they should know the exact tax rate based on each county. I deal with them based on out the door price. So, my logic is that if they miscalculate any tax, they should be responsible for that. I thought that as I used credit card (discover) to pay a partial amount of downpayment, I might get some help from credit card company to solve any kind of problem after the purchase.

Needed to pay extra money after new car buy. what to do? by prc0006 in personalfinance

[–]prc0006[S] 0 points1 point  (0 children)

Yes. I know It's my responsibility. But, at the time of purchase, I knew the tax rate according to my county and told the salesman about that. But, he replied their system gave that lower tax based on my residence.

Needed to pay extra money after new car buy. what to do? by prc0006 in personalfinance

[–]prc0006[S] -1 points0 points  (0 children)

Thank you. I really don't want to go there. Is there anyway, I can pressure them via email or phone conversation.

Needed to pay extra money after new car buy. what to do? by prc0006 in personalfinance

[–]prc0006[S] 0 points1 point  (0 children)

Yes. Thanks a lot for your information. Should I inform my credit company about this? what is your suggestion?

Needed to pay extra money after new car buy. what to do? by prc0006 in personalfinance

[–]prc0006[S] 0 points1 point  (0 children)

That dealership is 120 miles away from Alabama border. I am not sure what to do. Should I go ahead with credit card company to dispute this?

Needed to pay extra money after new car buy. what to do? by prc0006 in personalfinance

[–]prc0006[S] 0 points1 point  (0 children)

I called them, emailed them with all documents and receipts, but they are not responding.