December 8, 201114 yr Appraiser came today. Wife not optimistic. Neither am I after looking at some comps, though there aren't that many to work off of. It is what it is, I guess.
December 8, 201114 yr Well, I hope it works out for you, Dinny. We need to provide yet more documents to the bank for our refinancing process. The annoying part is, I know that they have some of the documents requested since I had to send them in previously - it looks like the people/departments that are involved are not talking to each other enough. Unfortunately, it'll just be quicker and less pain if I just send them the said documents rather than have them find the ones I've sent previously.
December 8, 201114 yr Well, I hope it works out for you, Dinny. We need to provide yet more documents to the bank for our refinancing process. The annoying part is, I know that they have some of the documents requested since I had to send them in previously - it looks like the people/departments that are involved are not talking to each other enough. Unfortunately, it'll just be quicker and less pain if I just send them the said documents rather than have them find the ones I've sent previously. lol, I had the exact same experience. They are really papering these things up now.
December 8, 201114 yr Congrats, Shelly! Great news! Dinny, sorry for the rotten refi. I hate it, hate it, hate it!
December 8, 201114 yr Banks have become a massive PITA for mortgages (the mortgage for the lake house was possibly one of the most frustrating things I have ever done) but I think that I rather this than they making a lot of stupid ass loans/taking hughe volume bonuses and then getting bailed out.... just my two cents.
December 8, 201114 yr Just took the last exam. 5 consecutive in 4 days. Frreeeeeeeeeeedddddddddooooooooommmmmmm Until jan 9 oh well. It was a long but good semester.
December 8, 201114 yr Congrats Shelly, Banks are only good for taking your money.On a positive note the bank sent me my mortgage paid in full papers & sent a copy to the county clerks office to be filed. Good luck with the refi's it pays to do it.
December 8, 201114 yr Congrat on paying off the mortgage Tom! We paid off our house in SF a few years ago and it felt pretty awesome. I got lucky and when the economy turned to shit my bank asked if I wanted a lower rate without any hassle and with only a small fee. I think they were trying to make it easier to stay with them than to shop elsewhere. I literally signed papers and the rate changed. So nice compared to all the bullshit of these things generally. Good luck Dinny, and hang in there for a better deal. As Tom says, it really pays.
December 8, 201114 yr I literally signed papers and the rate changed. Wow, sweet deal! Now that, I'd jump on, if my bank would offer it!
December 8, 201114 yr Me too! My bank seems to be trying to drive me away. EDIT: How long does it usually take for an appraisal to come in? Now THAT is nerve wracking.
December 8, 201114 yr For us it was about 5 working days if I remember right. We had to get it modified 2x because of issues with the lisiting etc.... PITA
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