June 19, 201214 yr No kidding. I was less than 24 hours away from closing on a house when the mortgage company told me during their final employment check that my HR department put that my "likelihood for future employment" was not good because my contract was set to expire in a couple months. Because I'm in education, I work on contracts and my district hadn't put out the new contracts yet. That killed the deal, and as a result, I could have killed the lady in the HR department that told them my contract was expiring! Had I worked in a non-contract position, say at a place like MacDonald's, the employment check never would have been an issue. I was basically punished because I had a job in Eduation. I ended up getting a contract through the district like I knew I would, but by that time, I had lost the deal on the house. I also lost out on the $8,000 housing credit that was being offered at the time. I got royally screwed on that whole mess. Seriously...24 hours away from closing. So close. Now I'm back to throwing good money away on rent each month. Still makes me mad when I think about it.
June 19, 201214 yr Whats a good Home Inspection cost? I would suggest spending between $300 and $600 on your inspector. Less or more than that would either make me curious why they're so cheap, or make me think they're already crooked for charging too much. Ask before you hire them if they personally will offer repair services. There are a good number of guys out there who will walk through a house, pick out every little ticky-tack item and tell you how, "You may not realize it, but this is a big deal because......" and then turn around and offer you his proposal for repairs on all of his walk-through items. That's not an inspector you want. He's just trying to find a way to get you to spend more of your money paying him. Ask about what (if any) certifications or background they have. Certified/licensed inspector? Licensed electrician/plumber/hvac technician? Did they ever work in any of those trades? What is their experience or knowledge set in water intrusion/air intrusion? What building codes are they inspecting for when they look at the house? What do they know about structural integrity in wood framing, concrete structure, or masonry structure? Also, and I know it's been stated here, always go for someone who comes on a recommendation from someone you know and trust, if it's an option. Word of mouth is ABSOLUTELY the best way to find a good inspector.
June 19, 201214 yr No kidding. I was less than 24 hours away from closing on a house when the mortgage company told me during their final employment check that my HR department put that my "likelihood for future employment" was not good because my contract was set to expire in a couple months. Because I'm in education, I work on contracts and my district hadn't put out the new contracts yet. That killed the deal, and as a result, I could have killed the lady in the HR department that told them my contract was expiring! Had I worked in a non-contract position, say at a place like MacDonald's, the employment check never would have been an issue. I was basically punished because I had a job in Eduation. I ended up getting a contract through the district like I knew I would, but by that time, I had lost the deal on the house. I also lost out on the $8,000 housing credit that was being offered at the time. I got royally screwed on that whole mess. Seriously...24 hours away from closing. So close. Now I'm back to throwing good money away on rent each month. Still makes me mad when I think about it. This statement was in response to someone's earlier post that a lot can still happen between putting in an offer and closing. Forgot to hit the the "reply with quote" button.
June 19, 201214 yr No kidding. I was less than 24 hours away from closing on a house when the mortgage company told me during their final employment check that my HR department put that my "likelihood for future employment" was not good because my contract was set to expire in a couple months. Because I'm in education, I work on contracts and my district hadn't put out the new contracts yet. That killed the deal, and as a result, I could have killed the lady in the HR department that told them my contract was expiring! Had I worked in a non-contract position, say at a place like MacDonald's, the employment check never would have been an issue. I was basically punished because I had a job in Eduation. I ended up getting a contract through the district like I knew I would, but by that time, I had lost the deal on the house. I also lost out on the $8,000 housing credit that was being offered at the time. I got royally screwed on that whole mess. Seriously...24 hours away from closing. So close. Now I'm back to throwing good money away on rent each month. Still makes me mad when I think about it. That's rough man, I'd be ticked.
June 19, 201214 yr No kidding. I was less than 24 hours away from closing on a house when the mortgage company told me during their final employment check that my HR department put that my "likelihood for future employment" was not good because my contract was set to expire in a couple months. Because I'm in education, I work on contracts and my district hadn't put out the new contracts yet. That killed the deal, and as a result, I could have killed the lady in the HR department that told them my contract was expiring! Had I worked in a non-contract position, say at a place like MacDonald's, the employment check never would have been an issue. I was basically punished because I had a job in Eduation. I ended up getting a contract through the district like I knew I would, but by that time, I had lost the deal on the house. I also lost out on the $8,000 housing credit that was being offered at the time. I got royally screwed on that whole mess. Seriously...24 hours away from closing. So close. Now I'm back to throwing good money away on rent each month. Still makes me mad when I think about it. That is terrible. We have a bunch of crazy stuff happening right before the closing on my house. Luckily it got done.
June 19, 201214 yr Guess were all headed to Guru's. I took a dip the other day after I mowed the grass at 6am As long as you didn't park in the grass everything is cool!
June 19, 201214 yr I accepted a counter-offer on a home last night (paperwork to be signed today), and have finally bought my first house. I've been looking for the better part of 2+ years, and was starting to think I was never going to find anything. Now on to the scary part....cutting that dang downpayment check. :scared: :lol: Any words of advice for me between now and closing? (The deal is contingent on passing a home inspection and an appraisal) What part of town is your new estate?
June 20, 201214 yr ^Taylor Mill. Close to the Remke. Congrats, I sure wish I could sell my condo right now. When they were rebuilding my unit in '07 I lived off of Winston Hill in Taylor Mill. I loved every minute of it but Taylor Mill Rd traffic was brutal on school days. With the new road I'm sure it will be much better. It's a great location right next to 275, you can get to all the good spots in 15 minutes or less.
June 20, 201214 yr I used a guy named Ralph Zilliox out of Florence for my Home inspection. Great guy, honest and sent me a nice computerized document that outlined everything.
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