Yes, the way she flails in the pool is like wtf?
Political consultants usually get a bad rap. Thanks for sticking up for the citizens on this issue, we will all come to appreciate it here soon!
Every single Chevy truck rusts in the same spot. I had to break down and get the bigger fender flairs because of this.
Owner before me used bed liner to stop the rust from spreading, but the Michigan salt ate through it after 2 years.
Detroit technically sits in a valley, not sure if that has something to do with it or not.
I'm thinking his numbers will probably drop with Diggs on the team now.
Money, and the quest for more never lies
1978 is the cutoff date for lead paint in the US. All residential homes built after 1978 should not have used lead paint in construction.
What kind of crew is it? Lead abatement crew or just the owners crew?
When lead is detected in a wall, as long as there is no hazard it's fine. The proper way to remove lead or abate is to wet the surface and scrape the walls. There should be Polly set up as a barrier to ensure if any dust does release into the air it's only being done in the area. They also need signing put up to show it's a lead abatement area.
The other issue is the method used to test the lead in the walls. Those cheap tests that you get at home Depot are not intended to tell you the lead levels in the wall, it will just change a color if it detects lead at all.
Legal limits are 1mg of lead per sq meter. Anything at or above this limit where there is a hazard (chipping, peeling, deteriorated paint) must use the methods mentioned above. If it's below this limit, the cheap tests will still pick it up, but it's not considered a hazard in most states. The only way to get accurate levels is to use a xrf gun, which is what a lead inspector uses to determine the levels in a home.
I was a full time lead inspector/risk assessor for over 5 years.
Yea USDA goes through 2 underwrites, one with the lender and another with the state. Bought my home the same way, walked into closing only owing 32 dollars out of pocket. Seller covered all closing costs. My mortgage is also cheaper than what I paid in rent
Could mean a number of things, but usually it's a landlord selling rental property to another landlord/ investor, since there is already a tenant in place and a rental agreement with the tenant.
3% is the least you can put down on a conventional loan. USDA does allow for 103% LTV, which allows you to roll in closing costs and possibly put down less than 3%. It also depends on your purchase price, 3-5% of 150k is a lot less than 3-5% of 700k.
PMI still applies, but could be removed once the loan reaches 80% LTV by calling the servicer and requesting. It's an income based program, must be at or below the median income in the area you purchase the home.
Most state down payment assistance programs are the same, if you sell of refi the house the down payment is due at that point.
You have to go through a mortgage broker to even get into the program, a good broker should be able to tell you if it's a good deal for you or not, and would more than likely present multiple options alongside this one for the borrower to choose.
Depending on how much the second lien is, there will be scenarios where some folks will probably stay in the home for 5-10 years, build some equity, then just pay for the second lien out of the equity when they refinance. This won't happen everywhere but I'm sure there will be scenarios where this would be feasible.
Not a bad program for some, but everyone won't qualify, and if you have money to put down, it's probably best to still do so, you will get better pricing and terms on a conventional loan and less of a headache when ready to refi/ HELOC when it's time.
You get yelled at by LOs who are trying to close a loan to get paid and get the borrower out of their hair. If you have tough skin and like talking on the phone a lot, you will be fine. Otherwise, steer clear, it's not for the weak hearted.
When they were testing, it was a saliva test, super easy to pass
But I think they stopped a few years ago I'm told
When you niche down to very specific subreddits, there are a lot of good and smart discussions that warrant gathering the data from.
The rest of the place is a dumpster fire though
😂 I'm dying over here rn.
Depends on your situation. If you are buying one to put on land you own, depending on the builder and the quality, it could be just as good as a stick built home.
If you're looking to go super cheap and get a used one I would steer clear. Most older mobile homes can't be moved once they settle into a spot, and you could be costing yourself more money in the long run.
I currently own a stick built home with about 50k in equity and I'm thinking of selling and buying some land to put a brand new double wide on with enough space to build a tiny home for my mom who is close to retirement age. Some of the mobile homes I've been seeing are more beautiful than newly built stick built homes, but they also cost more money.
Blocked main sewer line a week after we moved in. Had to have a plumber dig up the line to clear and put in a clear out on the line. Cost was $1100 and a week away from our new house during the install. Paid with a credit card and stayed at our in-laws for the week.
I'm with everyone else on the D8. It's a keeper
Sounds like a condotel, can't use a regular traditional mortgage for it and BoA probably doesn't do much non traditional mortgage loans.
Seek a mortgage broker or credit union, they will probably give you the best rate against BoA anyway. When you stick with a retail lender like BoA you are stuck with their rates and fees.
If you have enough money you will be fine. If you have no money well, you will find out real fast you don't belong.
The economy can run without the benefit of below market labor.
But the shareholders of the companies wouldn't be in the 1% anymore and would no longer be able to dictate to the 99%.
It's about keeping power. Until Americans realize that modern day corporations are the issue and not left vs. Right, we will probably get somewhere.
Just know you sign your life over to being in the store 24/7. When I worked at Walmart, our store manager made 300k easily, would routinely get 70k bonus checks for performance throughout the year, but the guy lived in the store. When they cut back on cashier's and truck unloaders, you are responsible for picking up the slack
Yes, Walmart Store Managers Really Can Make $500,000 a Year
economy