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Thread: Exciting News!

  1. #31
    Senior Member razz's Avatar
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    Quote Originally Posted by sweetana3 View Post
    Thankfully you are adults and have not gotten into it is this one or nothing. Do you have any credit unions around that you could become members of? We have used them for 30 years for all our credit and mortgage needs. Excellent service.
    Same for me.
    Gandhi: Happiness is when what you think, what you say and what you do are in harmony .

  2. #32
    Senior Member SiouzQ.'s Avatar
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    I am still using my credit union in Michigan for all my banking on-line because it has shared banking with any other credit union in the whole country (I can make deposits and withdrawals in Santa Fe, and move my money around different accounts online). But K. is not a member of a credit union and his name has to be on the mortgage because I don't make nearly enough, and since we are not married, it is all based on his income (he works in IT down in Albuquerque).

  3. #33
    Senior Member SteveinMN's Avatar
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    At my CU, family members can join regardless of whatever original criteria qualified you for the CU. DW did that when we got married. K might be able to do that, too, though I can understand not wanting to disturb a banking relationship of his that already works.
    Success is to be measured not so much by the position that one has reached in life as by the obstacles which he has overcome. - Booker T. Washington

  4. #34
    Senior Member SiouzQ.'s Avatar
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    Latest News: K. got them set straight at last night's meeting and the new numbers they ran were good so he signed the papers! Now the biggest hurdle is what the appraiser is going to say, and that can be tricky. Houses in Madrid, well, how should I say it, are pretty funky because the county looked the other way for a long time regarding a lot of building issues. The appraisal guy needs to be someone who *knows* this about Madrid. It might be that the owner is going to get nailed on the unfinished stucco and lack of paint on the outside walls, so if she has to get that remedied as well, we are prepared to offer to pay for the paint (as an olive branch, and to be able pick the color we want) and have her workers do the labor. We know she is very, very anxious to get this house sold and she has had to put a lot of money into just to get it up to par and sell-able to someone who has to take out a mortgage for it.

  5. #35
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    Quote Originally Posted by SiouzQ. View Post
    Latest News: K. got them set straight at last night's meeting and the new numbers they ran were good so he signed the papers! Now the biggest hurdle is what the appraiser is going to say, and that can be tricky. Houses in Madrid, well, how should I say it, are pretty funky because the county looked the other way for a long time regarding a lot of building issues. The appraisal guy needs to be someone who *knows* this about Madrid. It might be that the owner is going to get nailed on the unfinished stucco and lack of paint on the outside walls, so if she has to get that remedied as well, we are prepared to offer to pay for the paint (as an olive branch, and to be able pick the color we want) and have her workers do the labor. We know she is very, very anxious to get this house sold and she has had to put a lot of money into just to get it up to par and sell-able to someone who has to take out a mortgage for it.
    sometimes they automatically add insurance and taxes to the payment...……...hope it works out for you!

  6. #36
    Senior Member SteveinMN's Avatar
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    Quote Originally Posted by SiouzQ. View Post
    we are prepared to offer to pay for the paint (as an olive branch, and to be able pick the color we want) and have her workers do the labor.
    You might want to do that the other way around: have the seller pay for the paint and pick your own workers. It's likely workers you choose will cost more, but the seller has zero incentive to hire good workers and make sure they do a quality lasting job. You do. The best paint in the world won't hold up long to a bad application.
    Success is to be measured not so much by the position that one has reached in life as by the obstacles which he has overcome. - Booker T. Washington

  7. #37
    Senior Member SiouzQ.'s Avatar
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    UPDATE: We are still waiting for the appraisal. Escrow technically ends on August 1st, with a grace period until Aug. 10th. They better get cracking on this! Apparently, someone in the area has picked up the appraisal but are swamped (or so they say).

    I hate waiting!!!!!!!

  8. #38
    Senior Member SiouzQ.'s Avatar
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    The appraisal is TODAY! Wish us luck!!!!!!

  9. #39
    Senior Member JaneV2.0's Avatar
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    Fingers crossed. I'm into vicarious thrills!

  10. #40
    Senior Member SiouzQ.'s Avatar
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    The appraisal went well, the papers will be signed on Friday. I won't really believe it until I get those keys in my hot little hand! Then let the fun begin! Sanding and sealing the living room and dining area floors (K's project) and reorganizing the layout of the kitchen (my project), some accent wall painting, then cleaning, cleaning, and more cleaning!

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