{{Cass}}

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And I walked along the ocean for a half hour or so.

Hi Cass! My sistah in beach strolling. I walked a half hour on the beach this morning for the first time in about forever. It was wonderful, not cold though. 60's maybe. Good to see you taking care of yourself.

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Yeah, I know about that, but it's kind of unwieldy. I'm a fan of HREFs. I'll just wait until the new tag is displayed here from now on.

I just meant that by way of general information. I generally don't click on the b.org links posted here (by anyone, for any reason) unless I know what thread it's linking to, because when I have, I've lost my place in the thread. Unwieldy how, though?

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Nora, seriously, if this is a house you want, it's possible. When ex-DH and I bought our condo, we had no money for a down payment. I really mean none. We had to borrow the 5% deposit from our parents. We got a 100% financed 30-year fixed rate mortgage, so we got our deposit back at the closing and were able to pay back the loan from our 'rents.

I can give you the name of the mortgage guy who got it for us--he's awesome. He didn't have a fee, and he would periodically call us and say that we could refinance for a great rate, no points, no closing costs, yadda yadda. Never cost us a cent to refinance, and we did it at least three times.

Our first mortgage, we had a rate that was a half a point higher than the going one (which at the time was 7%) but we were able to refinance rather quickly using the equity, and by the last mortgage we were paying something absurd like 3.75%.

So it's possible.

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meara is right, Nora. GF and I put 5% down. Our place has doubled in value in the two years we've lived here. Getting in a home isn't as daunting as it first seems, at least that was my experience and I live in LA where housing costs make my head hurt.

ETA that Jen is right as well.

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Thanks P-C.

This is cutted and pasted from an editing of my previous message cause I edited after P-C saw I think...

If someone doesn't want their tag change acknowledged, I need to know so I won't do it.

You know, I was thinking of going through a lot of personal/emotional/theraputic tags recently (didn't as it turned out) and was going to just send you a quick note to ignore for the duration. So, for me, this is a good solution. If I don't want them mentioned, I would let you know. Also I need a new tag. It feels like it is time. Now I just need to be inspired.

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My sistah in beach strolling. I walked a half hour on the beach this morning for the first time in about forever. It was wonderful, not cold though.

It was gorgeous. I just watched the waves and felt a lot better. And Laura, you are my sistah in much! Which makes me happy.

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Jess, Snapfish wants me to sign up. Are they good about the non-spamming thing?

Oh, I didn't realize. I've never gotten any spam from them, though.

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Unwieldy how, though?

Just that it's big and long in comparison to a poster's name. It's a way cool feature, though, and I use it when I don't care as much about formatting.

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Nora, all it means is you'll pay PMI on the percent...Urgh to find the words.

If you put down 20%, you don't typically have to pay PMI. If you put down let's say 15%, you might have to pay PMI (depends on the first time buyer program), but only on 5%, and once you've got 20% equity in your home, the PMI is usually canceled.

eta...

Oh, gotcha, P-C. I fear no wield.

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"... Little Jackie paper loved that rascal Puff, and brought him strings and Sealing Wax, and other fancy stuff."

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