cougarguard.com — unofficial BYU Cougars / LDS sports, football, basketball forum and message board  

Go Back   cougarguard.com — unofficial BYU Cougars / LDS sports, football, basketball forum and message board > Search Forums
Register FAQ Community Calendar Today's Posts Search

Showing results 1 to 9 of 9
Search took 0.00 seconds.
Search: Posts Made By: jay santos
Forum: Finances 09-11-2007, 08:26 PM
Replies: 20
Views: 8,088
Posted By jay santos
Possible. But probably takes away your...

Possible. But probably takes away your negotiating position.
Forum: Finances 09-11-2007, 04:40 PM
Replies: 20
Views: 8,088
Posted By jay santos
You're closing in two weeks or getting ready to...

You're closing in two weeks or getting ready to make an offer in two weeks? Closing in two weeks, you must already have your loan started, I would think. If you're getting ready to buy, I would...
Forum: Finances 09-10-2007, 04:33 PM
Replies: 20
Views: 8,088
Posted By jay santos
Someone making $72 I can live with. I've paid...

Someone making $72 I can live with. I've paid plumbers $200 an hour, which is tough, but sometimes you're stuck. I paid a doctor $1,200 for a 20 minute surgery. That's tough, too, but what can you...
Forum: Finances 09-10-2007, 03:42 PM
Replies: 20
Views: 8,088
Posted By jay santos
I'm sure there are some options available. I...

I'm sure there are some options available. I know some realtors will ignore those listings out of principle. I think the best you might find is to cut your commission from the standard 6% down to...
Forum: Finances 09-10-2007, 03:25 PM
Replies: 20
Views: 8,088
Posted By jay santos
Of course mortgage companies will offer you 1/2...

Of course mortgage companies will offer you 1/2 point origination to get you in the door and charge you something else. That something else is called yield spread. If someone goes into the deal...
Forum: Finances 09-10-2007, 03:19 PM
Replies: 20
Views: 8,088
Posted By jay santos
It's rare (and ineffective--as far as trying to...

It's rare (and ineffective--as far as trying to sell a house) to do much else. Advertising for a realtor is self promotion not promotion for your listings.
Forum: Finances 09-09-2007, 02:25 PM
Replies: 20
Views: 8,088
Posted By jay santos
If several thousand dollars = a few bucks to you,...

If several thousand dollars = a few bucks to you, then you are right. If not, I can show you multiple settlement statements where I paid 1/2 point in closing costs (including yield spread) for my...
Forum: Finances 09-05-2007, 04:14 PM
Replies: 20
Views: 8,088
Posted By jay santos
I don't know exactly how that works, but I'm...

I don't know exactly how that works, but I'm thinking you would pay more that way than going to a mortgage broker and have them do it for you for half point. For example, if you called Zion's bank,...
Forum: Finances 09-05-2007, 03:44 PM
Replies: 20
Views: 8,088
Posted By jay santos
Real Estate Closing Costs--how to shop for a loan

1. Find a loan officer that has access to a bunch of lenders. Ask them who they use, and make sure they have a good variety. If they're the kind of broker that does loans just for one bank, then you...
Showing results 1 to 9 of 9

 
Forum Jump

All times are GMT. The time now is 03:20 AM.


Powered by vBulletin® Version 3.8.2
Copyright ©2000 - 2024, Jelsoft Enterprises Ltd.