Buying A House: C or D?

That is what I'm going for. It's a flat fee to the real estate company (where we were the buyer). I asked them to not take it out of escrow and to have the real estate company bill me directly because I assume they won't want to do that.

it's just strange to make us go through the hassle of crosschecking the disclosures, etc., to pay this fee which is a small fraction of what they've already made from the deal. I wonder if it's a legal thing where some money needs to change hands for some weird liability reasons?

not liability but accounting reasons

hmmmm, but then they are still asking me to pay $250 to participate in the extra accounting paperwork they've created

$250 is ~standard if a new document needs lawyer review or for new printings/fed-exes for a closing. But if it's due to your mortgage being sold that is ???

Wasn't due to it being sold. Fee was just submitted late to broker after close. That is also weird since they are in-house.

IMO you shouldn't have to pay that, I'd argue it.

our escrow people fucked up the timing on our refi last month, which lead the old mortgage holder to fine me for a late payment. i complained to my mortgage broker who paid the late fee out of his own pocket as soon as i said "i'd find it very difficult to recommend this service to my friends". all the broker/agent types involved should be very motivated to keep you happy. the escrow people care much less. i would ask your mortgage broker or realtor.

generally don't go karen/threaten a yelp review on people at times like this, but basically everyone who works commission in the mortgage business right now is making once in a lifetime amounts of money for leaving voicemail and forwarding PDFs. also my refi guy tried to commiserate with me after the election because of its implications for our taxes.

thanks for the advice, all. I ended up taking the somewhat passive aggressive approach of refusing to pay it out of escrow, and instead requesting to be billed directly by the realtors. My hope is this scenario will force the realtors to reevaluate passing this fee on to us after closing. They may have been testing to see if we were willing to just sign anything put in front of us. Anyway, the mortgage broker and escrow people seemed to quickly waffle over to our side after I sent the short email. I think this will likely go away.

Bustle of activity this AM with a solicitor and a broker seems to have resulted in an estate agent receiving some sort of letter that we are actually serious adults who would actually probably be able to pay for a house now we are furiously walking about our apartment bumping into each other

brace yourselves for the surprise of having your offer accepted.

Well i wont!

👀

buying a house?

C iirc

Homeownership 103: Maintenance of Fixtures

I have replaced these toilet parts on previous occasions. But WHAT a pain to have to order the replacement parts and wait however long for them to be delivered, rather than going to a brick-and-mortar store to buy them.

The net experience of buying a house: C. But you WILL have to face up to all sorts of D events.

Had a brief scare today when scheduling the delivery of our new dishwasher because the woman from the hardware store couldn’t find whether I had paid for the “haul away (the old one)” service at first

In that panickly liminal stage where sale is agreed and contracts being sent for initial inspection, but final mortgage offers are awaited

Picking flooring, fixtures and paint options out with builder tho so yeah this feels like its happening alright?

C so far, tbh. Nary a hitch, he jinxed

Good luck and congrats?

Ty, ty

go deems, v exciting

congrats!

Congrats Big Man D

Congrats!
Last time we did this we had a buyer for our place who somehow managed to have a mortgage agreement with the one lender that routinely takes approx 2+ months to get the mortgage sorted. This was the least enraging thing about them too.

We're renting, this place isnt yet finished, all going well there's enough play in things that we dont get stuck in any mud

Thanks all, this is good imo

Is there a “Selling a house: C or D?” thread?

Update: the bank has said they'll give us some money if they like the home that we wanna buy.

Er, just have to find the home now.

Same, except contracts are with our solicitor

Its all a bit handy, dont like it

sellers of a place we were buying have decided, two months after we made our offer, that they don't want to sell after all. Cheers!

Oof

part of the fun

yeah we're looking at it that way, we'll get somewhere better. Obviously I hope the sellers rot in hell.

maybe their home will just rot

Now fully approved for mortgage, contracts are back with seller

As long as they manage to finish building this thing in the next four months it looks like a safe bet, this

Have we any threads about living in a country town have we

Moving out of Dublin going to be a change?

Well its been a year of change, and we're both from rural areas so this is going to be an in-between rly

WFH looks like it'll be an option for 2-3 days for each of us even after all this, so there'll still be the few days in dub each week (and still close enough to drive in in less than an hour)

fuck that sounds ideal dmac!

growing up rural & hating every second i thought I would never want to go back to it, or be nostalgic for wide open spaces but in my old age i realize its a life i understand so much bettet

Five mins walk to what ilxors would def call a village but counts as a decent town centre here, it aint a return to our roots or anything.

Going from living in a 1 bed and 1 other room serving as kitchen/living/utility apt with people on three poorly insulated sides to a four bed modern semi-d prob by far a bigger change. I can live with that tbh

sounds good to me; congrats!

Cheers!

That sounds like it could be the best of all worlds. Not sure if semi-d means you will have to take care of a yard, but that can be fun (or not) if you haven't had to in a while. Good luck!

congrats! how is the fishing situation?

Yard (back garden, really) will be rendered as low maintenance as suits the wife, ill not be touching it

If the fishing situation is not some property wheeler dealer code then im am im afraid unaware of even so much as a river running through the place but this was not on our priorities

oh, i am thinking about how i wish the entire last entire year i had a place to go fishing or crabbing. I THOUGHT YOU WERE THE SAME.

I do my crabbing online tbh

Yaaaaaay our very first HITCH

FFS

In 2018 my wife and I moved from London (26 years) to a small village in Norfolk, we wanted to own a place outright and the pace of life in London was too much for my other half, she's recovering from a brain hemorrhage, it's about 25 mins from Norwich but the place is super quiet.

We live right in the centre opposite the church, it's interesting giving up some of the extra sense of mindful-ness I used to have to carry in London, where ppl are much less friendly or talkative and possibly more likely to rip you off in some way. Ppl up here are generaly kinder and more inclined to pass the time of day with strangers.

Fishing is decent up here (I'm told) lotsa mere action.

M3restan

but can you kick a ball in the street?