OK, I figured out that, if I use my debit card rather than transferring by using the routing numbers for the checking account, it's a lot faster. That's irritating, but at least it's a kind of irritating that I can work with.
Zoe: Don't think it's a good spot, sir. She still has the advantage over us. Mal: Everyone always does. That's what makes us special.
'Serenity'
Spike's Bitches 49: As usual, I'm here to help you, and I... are you naked under there?
Spike-centric discussion. Lusty, lewd (only occasionally crude), risqué (and frisqué), bawdy (Oh, lawdy!), flirty ('cuz we're purty), raunchy talk inside. Caveat lector.
Hil R. - Mar 11, 2019 2:41:39 pm PDT #5482 of 8216
Sometimes I think I might just move up to Vermont, open a bookstore or a vegan restaurant. Adam Schlesinger, z''l
Hil R. - Mar 11, 2019 3:20:02 pm PDT #5483 of 8216
Sometimes I think I might just move up to Vermont, open a bookstore or a vegan restaurant. Adam Schlesinger, z''l
And, just got my PayPal account suspended for suspicious activity. (I think I fixed it. Waiting for confirmation on that.)
Deena - Mar 11, 2019 5:57:55 pm PDT #5484 of 8216
How are you me? You need to stop that. Only I can be me. ~Kara
Holy crap, Hil! It usually takes until close of business for paypal funds to show up in my account, using the debit card. Though sometimes it's the next morning. It usually takes them a little longer to sort out weird stuff.
Thanks for the eyebrow ramble, guys. I feel much less incompetent.
Hil R. - Mar 12, 2019 8:00:24 am PDT #5485 of 8216
Sometimes I think I might just move up to Vermont, open a bookstore or a vegan restaurant. Adam Schlesinger, z''l
The mortgage guy says that I can get an adjustable rate mortgage, but not a fixed rate one, and that if some more condos in the complex sell at more reasonable prices in the next few years, then we can renegotiate the rate. I'm not totally sure what all that means, so now I'm googling stuff. (If anyone actually knows what it means, and if it's good or not, I would be very grateful if you could explain it to me.)
Dana - Mar 12, 2019 8:04:02 am PDT #5486 of 8216
I'm terrifically busy with my ennui.
It means the interest rate you pay changes at some fixed interval, I believe. A fixed rate means you pay, for example, 5% over the life of the mortgage.
I would say it depends when it's adjusted and how high it can go.
Dana - Mar 12, 2019 8:07:18 am PDT #5487 of 8216
I'm terrifically busy with my ennui.
It looks like some also include a charge for early payoff of the balance, so that would obviously be something to look out for.
Jessica - Mar 12, 2019 8:09:52 am PDT #5488 of 8216
And then Ortus came and said "It's Ortin' time" and they all Orted off into the sunset
Hil, are you working with a mortgage broker or a bank? A broker should be able to get you a fixed-rate mortgage.
ARMs generally start out cheaper than fixed-rate, but because the interest rate fluctuates with the market, they are riskier for the buyer.
Hil R. - Mar 12, 2019 8:26:46 am PDT #5489 of 8216
Sometimes I think I might just move up to Vermont, open a bookstore or a vegan restaurant. Adam Schlesinger, z''l
Thanks. He gave me a few different options for how long it would be until the rate was adjusted, and there were different rates for each of those options. I'm working with a bank. I'll talk to the realtor about other mortgage options. The mortgage person had been saying that I could get a fixed rate mortgage, until the appraisal came in. I'm waiting to hear back from the realtor now.
Laura - Mar 12, 2019 8:36:16 am PDT #5490 of 8216
Our wings are not tired.
I've had adjustable the last couple times. It is only a danger if interest rates spike. And yes, you can continue to look for a fixed rate later.
Mortgage brokers have more options than banks.
Hil R. - Mar 12, 2019 8:42:40 am PDT #5491 of 8216
Sometimes I think I might just move up to Vermont, open a bookstore or a vegan restaurant. Adam Schlesinger, z''l
My issue is that the closing is scheduled for next week, so I don't have too much time to shop around.