| Author | Message | ||
     2009 Side Hero Username: 2009 Post Number: 2154 Registered: 07-2008 Posted From: 72.24.120.140 Rating: N/A |
Thanks everyone for your valuable suggestions  | ||
| Khaleja Side Hero Username: Khaleja Post Number: 3836 Registered: 09-2009 Posted From: 99.67.74.174 Rating: N/A |
closing costs nene pettukuntunna..title cost(around 3k) builder pay chesthunnadu. migilina dantlo oka 1500 lender isthunnadu. migathadi nene. builder tho loan velli unte inkoka 1k thaggedi kani prasthutham matladina lender anni documents chosindi..work chesindi ga ani vellipothunna inka aamethone. adi kaka chinku aame. bank statements lonivi ekkuva adagaledu so kanichesa ala. | ||
| Netra Megastar Username: Netra Post Number: 24569 Registered: 01-2008 Posted From: 69.53.237.72 Rating: N/A |
then it should be around the same.. ippudu naadhi 4.3 ki ellindhi ani vinna.. don't know the facts.. so needhi 3.8 ante reazanable anpisttandhi.. any closing costs or did you pay anything for points?? iyanni lekunte u hit bulls eye anuko  YSR AMAR RAHE | ||
| Khaleja Side Hero Username: Khaleja Post Number: 3835 Registered: 09-2009 Posted From: 99.67.74.174 Rating: N/A |
loan amount ante excluding the downpayment or the total amount? total ayithe 485k and 20% down payment andulo. | ||
| Khaleja Side Hero Username: Khaleja Post Number: 3834 Registered: 09-2009 Posted From: 99.67.74.174 Rating: N/A |
loan amount 385k annai. | ||
| Netra Megastar Username: Netra Post Number: 24567 Registered: 01-2008 Posted From: 69.53.237.72 Rating: N/A |
andhuke antunna loan amount entha ani.. varies between jumbo and conventional.. nenu 475 aithe i can get it less than 3.5% aa time lo YSR AMAR RAHE | ||
| Netra Megastar Username: Netra Post Number: 24566 Registered: 01-2008 Posted From: 69.53.237.72 Rating: N/A |
ikkada 700 ante credit score kaadhi.. 700K loan YSR AMAR RAHE | ||
| Khaleja Side Hero Username: Khaleja Post Number: 3833 Registered: 09-2009 Posted From: 99.67.74.174 Rating: N/A |
nenu rate lock cheyincha oka 3 weeks back. 30 years fixed ki 3.875 ichindi. inka thaggithe aa rate lock theyinchi malla adagocha? | ||
| Netra Megastar Username: Netra Post Number: 24565 Registered: 01-2008 Posted From: 69.53.237.72 Rating: N/A |
coming to PMI you can avoid by going 80-10-10 where other 10 is from your HELOC account.. appatlo kasttam gaani ippudu prathi credit union isttunnaru. Your lender can work on it YSR AMAR RAHE | ||
| Netra Megastar Username: Netra Post Number: 24564 Registered: 01-2008 Posted From: 69.53.237.72 Rating: N/A |
Loan value entha?? I did re-finance month back for 700 and it came for 3.87 for 30 yr fixed. I don't think it is that low now.. YSR AMAR RAHE | ||
| Khaleja Side Hero Username: Khaleja Post Number: 3832 Registered: 09-2009 Posted From: 99.67.74.174 Rating: N/A |
vasthu chodakunda illu konali US lo. evaranna vasthu gurunchi chepthe assala vinaku and later illu konnaka koda aa inti vasthu gurunchi matladodhu ani adugu. vasthu velthe existing houses kontaniki jeevitha kalam vethakalsinde unless new build ki velthe thappa. | ||
| Andhrawala Legend Username: Andhrawala Post Number: 35672 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
whichs state are u? contact this guy http://www.clearlinemortgage.com/EmployeeDetail.aspx?Employe eID=1478 No Signature | ||
| Kurrokurru Comedian Username: Kurrokurru Post Number: 1629 Registered: 01-2008 Posted From: 71.228.34.39 Rating: N/A |
Ok so join ayyaka oka 9 months aagi inspect cheyinchadam best anukonta | ||
| Gochi Comedian Username: Gochi Post Number: 1741 Registered: 12-2006 Posted From: 8.7.228.252 Rating: N/A |
normal gaa aithe akkarledhu baa...anni inspect ayyaakane they will give a certificate of occupancy to the builder which is needed for closing...different departments and township vaallu occhi seal esi pothaaru..so no need to inspect again..plus warren cheppinattu u get warranty..kaani naa friend okadu kottha illu aina inspection cheyinchuko ani suggest chesaadu....endukante closing ki mundara manaki walkthrough untundi, aa walk through lo 1 hr lo what ever u find an issue will be fixed rightaway by the builder..kaani warranty vi they will come slowly and fix all at once unless its an emergency...kaani andaru builders before closing allow cheyyaru to bring in an outside inspector...they say it has to be spelled out in the initial contract itself...so ilaantidhi cheyinchaali ante nuvvu sign chesinappudu mention this point and sign it... | ||
| Simba Hero Username: Simba Post Number: 16929 Registered: 02-2008 Posted From: 206.210.17.33 Rating: N/A |
mac mini like but windows computer. More here: http://www.chalanachithram.com/discus/messages/115/275999.ht ml | ||
| Kurrokurru Comedian Username: Kurrokurru Post Number: 1628 Registered: 01-2008 Posted From: 71.228.34.39 Rating: N/A |
Got it thanks bro | ||
| Warren Junior Artist Username: Warren Post Number: 82 Registered: 02-2009 Posted From: 170.63.120.83 Rating: N/A |
kurro, you have warrenty for 1 year for your home which covers everything. do the inspection at 9th month so that you can get it fixed. I do not think you required before move in | ||
| Gandhiguevara Legend Username: Gandhiguevara Post Number: 49857 Registered: 10-2009 Posted From: 172.250.25.143 Rating: N/A |
Like what? Mac Mini or Raspberry Pi? | ||
| Kurrokurru Comedian Username: Kurrokurru Post Number: 1627 Registered: 01-2008 Posted From: 71.228.34.39 Rating: N/A |
If we take new construction home which is still under construction from National Builder... do we need to hire a home inspector to inspect after home completion ... | ||
| Dreamcatcher Side Hero Username: Dreamcatcher Post Number: 6567 Registered: 11-2009 Posted From: 208.86.145.68 Rating: N/A |
Yes, it is hard to gauge what issues you might run into once you buy the home. There is a luck factor also in this, just like buying a used car. You could get some idea of issues you will eventually run into based on the age of the house.
you can get your own inspector, you don't need to go with the realtor one. | ||
| Legend Username: Twitter Post Number: 35979 Registered: 10-2009 Posted From: 198.240.130.75 Rating: N/A |
manasulo baga ayyindhi ..leka pothe naki share ivvanantava anukoni untav | ||
| Warren Junior Artist Username: Warren Post Number: 81 Registered: 02-2009 Posted From: 170.63.120.83 Rating: N/A |
Kurrokurru it is all because you are inexperienced. Tell you one thing, before buying house you should observe one thing. If the house is in the market more time then you should think that it has some issues. if it is taking long time to get sold now then it will take same amount when you sell it. may be more time for less money. First time buyers does not know these equations. You need really good and honest Realtor. Finding good Realtor who does not just think on commission but more on your gain is really less. Another part is finding the quality of the house. it is very tough. Even inspector who inspect house will not be able to tell some issues. Some times i feel that is the scam. Some xyz inspector will come and inspect house who is from realtor and he says everything is fine. But own experience will make much difference. Watch some HGTV programs. that might give some idea on home problems. | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 41776 Registered: 02-2008 Rating: N/A |
naaku kuda cheyanu annadu.. jaali ga face etti.. chaala competition undi.. maaki anta buginess undatamledu inka nee istam nuvve cheppu nannu eti cheyamantaavo type lo chepedu maa realtor.. nen sare le lite anna.. kaani tana badluck eti ante naaki SalebyOwner house set ayindi..he was ok.. vunkul inkaa naatho touch lo untaadu.. | ||
| Kurrokurru Comedian Username: Kurrokurru Post Number: 1626 Registered: 01-2008 Posted From: 71.228.34.39 Rating: N/A |
why...can you tell the situations/areas where the buyers get raxxped because iam also first time buyer brought new constuction | ||
| Saarang Side Hero Username: Saarang Post Number: 7561 Registered: 06-2012 Posted From: 206.29.176.51 Rating: N/A |
Redfin vaalu ivvatam ledha? State lo allowed ayithe anaru...poti padi maree sharing chestaaru. | ||
| Ustad Megastar Username: Ustad Post Number: 21481 Registered: 07-2008 Posted From: 76.169.161.29 Rating: N/A |
+1 Calif lo commission sharing ante dobbeyi antunnaru relators. Strength is the product of struggle, you must do what others don't to achieve what others won't - Henry Rollins | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 41774 Registered: 02-2008 Rating: N/A |
first oka wishlist preparing chesukondri..prioritize the wish list.. next house searching starting cheyandi.. nen buying chesinappudu..naa main point was aa community lo maa kids age grp kids undaali(idi elaa telustaadi ante naaki teldu) visit the community at diff times of the day.. oka idea vostaadi.. next iskool dist, next mana commute ilaa unde maa wish list..next house lo ivi undaali .. alaa undaali.. ivi undakudadu type chusemu.. eppudooo ammataniki ippatinuncheee aa future buyer ni mind lo etukoni house buying concept naaki sajam kaadu.. ippudu super location lo unna house oka 15yrs taravatha anta hot location kakapovochu.. ikkada posts chustaa unte.. maaki elaa buying cheyaaalo teldu annatu feeling vostondi.. | ||
| Vasu Comedian Username: Vasu Post Number: 1571 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
Information teliste cheppandayya edava etakaralu enduku? Chala roju la nunchi chustunna mi iddaru pedda thopu anukuntaro emo teliyadu evaranna help kosam or information kosam adigite matram salaha emi undadu kani edava etakaralaki emi taggaru.  | ||
| Warren Junior Artist Username: Warren Post Number: 80 Registered: 02-2009 Posted From: 170.63.120.83 Rating: N/A |
Loan process. if you have 20% down then you are going to avoid mortgage insurance. if not you have to pay around 250$ mortgage insurance which is not counted towards your loan. But paying 20% is like clearing your all savings and reserves. unless you have 20 years saving you cannot pay so much amount. Alternative is go for State backing loans which might go for "lender paid mortgage insurance" which extra .25 to .5 % interest of the loan. The main advantage of this is, that interest is tax deductible. At the end of the day you might be paying around 100$ mortgage loan, which is really cool . even 3% down is fine. There is hitch here. if you put less down payment then your offer getting accepted is very low. In market, first time buyers are least proffered buyers by sellers. Becoz high risk of loan denial are there. So for first time buyers best bet would be newly constructed homes. If you are interested go for it and build equity. Second time you will have some money to put down payment. For first time buyer is bakra for everyone. you are putting your head down in front of everyone to get looted and r###ped | ||
| Maverick Legend Username: Maverick Post Number: 54976 Registered: 01-2008 Posted From: 98.222.238.98 Rating: |
make sure u have transperant drywalls installed..and buy dubai tvs..u can watch from front and back..its a added selling point when u want to sell and move Happy Vizag | ||
| Simba Hero Username: Simba Post Number: 16925 Registered: 02-2008 Posted From: 206.210.17.33 Rating: N/A |
My weekly TV watching does not exceed 5-6 hours.  | ||
| Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 29094 Registered: 02-2009 Rating: N/A |
nice. you have too much time to watch TV | ||
| Onlymovies Junior Artist Username: Onlymovies Post Number: 416 Registered: 05-2014 Posted From: 199.173.224.31 Rating: N/A |
deeni meeda konchem lite veyyi bhayya.. naa loan aroudn 279K vundi.. right now 3.375 for 7/1 ARM, if I can get zero cost refinance for 30 years, I will like to do it.. | ||
| Vjawarrior Hero Username: Vjawarrior Post Number: 12226 Registered: 02-2014 Posted From: 153.2.247.30 Rating: N/A |
konchem explain cheyyi basu....advantage enti....can u control the computer with a remote or do u need intervene manually...also how did u interface ur computer with ur TV....hdmi cables aaa? asalu enti nee set up advantage.... | ||
| Simba Hero Username: Simba Post Number: 16924 Registered: 02-2008 Posted From: 206.210.17.33 Rating: N/A |
Nope. Each TV has a separate NUC.  | ||
| Vjawarrior Hero Username: Vjawarrior Post Number: 12225 Registered: 02-2014 Posted From: 153.2.247.30 Rating: N/A |
wireless printing possible anukuntaa...ctrl P undi ley.... | ||
| Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 29093 Registered: 02-2009 Rating: N/A |
interesting each TV each kattam ...all TVs hooked up to one NUC? fire stick is like chromecast prime lo dead seap gaa 19 kee pettad intro offer | ||
| Whyme Hero Username: Whyme Post Number: 10275 Registered: 09-2009 Posted From: 65.184.65.66 Rating: N/A |
Printer kooda vunda? Remote meeda "info" button nokkithey story printout vachuddaa | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14547 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
wrong notion, National builders ki konni state ki saripadda rules and regulations telvadu.....they get building codes easily, kaani konni states building codes vere untayi avi local builders telustayi if you are supposed for doom day, you will go through it irrespective of national or local | ||
| Vjawarrior Hero Username: Vjawarrior Post Number: 12224 Registered: 02-2014 Posted From: 153.2.247.30 Rating: N/A |
antha outdated aa lol.....my tv has inbuilt computer within it | ||
| Vasu Comedian Username: Vasu Post Number: 1570 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
E madhya ekkuva vintunna, evadeedu? Enti speciality | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14546 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
kaadu, some local builder le, pulte gaadu corporate style danda chestadu careful gaa undala | ||
| Simba Hero Username: Simba Post Number: 16923 Registered: 02-2008 Posted From: 206.210.17.33 Rating: N/A |
inka ee sticks gola enti? anni peeki paresa... now, all my TVs have tiny computers attached. No need to try and test anymore. | ||
| Coolmac Megastar Username: Coolmac Post Number: 29437 Registered: 05-2007 Posted From: 65.170.103.234 Rating: N/A |
there are always some exceptions..I have seen homes from reputed builders and local ...clear ga telisipothondhi..esp when the home becomes old like 8-10yrs | ||
| Vjawarrior Hero Username: Vjawarrior Post Number: 12223 Registered: 02-2014 Posted From: 153.2.247.30 Rating: N/A |
on hold pettanu....lot of confusion....appatiki ippatiki same homes 20-30k paddayi | ||
| Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 29092 Registered: 02-2009 Rating: N/A |
second time buyers kee varthinchadhu... fire stick use sesaara? do you see diff in prime vs netflix audio-video output on stick? | ||
| Jalsa Megastar Username: Jalsa Post Number: 28395 Registered: 02-2008 Posted From: 159.53.46.143 Rating: N/A |
inthaki nuvvu konnaava? towhome ani dabbaa kottaavu ga appatlo | ||
| Simba Hero Username: Simba Post Number: 16922 Registered: 02-2008 Posted From: 206.210.17.33 Rating: N/A |
There are regional builders that are quite reputed. Don't have to be national builders. If it a new house, national builders don't accommodate much for structural changes where as local/regional builders do. | ||
| Vjawarrior Hero Username: Vjawarrior Post Number: 12221 Registered: 02-2014 Posted From: 153.2.247.30 Rating: N/A |
u might have lost 30k ammaaa.....ippudu emi cheyalev ley...sit tite anthe | ||
| Coolmac Megastar Username: Coolmac Post Number: 29433 Registered: 05-2007 Posted From: 65.170.103.234 Rating: N/A |
warranty ennaallu raja..just 3yrs istaaru max..aa tharvatha ye problems vachedhi... and consturction model, vaadina wood nujnchi motham diff vuntadhi...oka manchi civil engineer ni attuko ...clear ga septhaadu diff | ||
| Coolmac Megastar Username: Coolmac Post Number: 29432 Registered: 05-2007 Posted From: 65.170.103.234 Rating: N/A |
history ani link vuntadhi..choodu rajaa Zillow lo | ||
| Vjawarrior Hero Username: Vjawarrior Post Number: 12220 Registered: 02-2014 Posted From: 153.2.247.30 Rating: N/A |
doola teerustaar veellu aithe...some local builder also good man....warrantyb istaar gaa...tim hortons laanti vaallu baane chestharu.. | ||
| Simba Hero Username: Simba Post Number: 16921 Registered: 02-2008 Posted From: 206.210.17.33 Rating: N/A |
Step 1 execute cheyyakunda ne, illu konesa... ippudu etla?  | ||
| Vjawarrior Hero Username: Vjawarrior Post Number: 12219 Registered: 02-2014 Posted From: 153.2.247.30 Rating: N/A |
how can u say this annai....ivala high demand area avochu...after 5 years...it might not be....it all depends bro | ||
| Coolmac Megastar Username: Coolmac Post Number: 29431 Registered: 05-2007 Posted From: 65.170.103.234 Rating: N/A |
one more thing, builder shud be national builder... tootumbar local builders kuda cookiecutter homes kaduthunnar... choodataniki new ithe anni oke laga vuntai... few years lo telisipothundhi vesina quality enti anedhi... lot of things we cannot see in a home with naked eye.. always go with National builders like Pulte, Toll bros etc.. | ||
| Vjawarrior Hero Username: Vjawarrior Post Number: 12218 Registered: 02-2014 Posted From: 153.2.247.30 Rating: N/A |
ad choodu...in ur area...in ur budget....has atleast one school with 10 rating...has no rough neighbourhood within 2-3 miles....has millionaire homes within 2-3 miles.....has some shops nearby... if sooo....go to the owner....bargain by 20-30k and seal the deal... ask abt inspections/warranty/any problems...check the records online.... hire an atoorney for doc puprposes...also closing costs seller ni pettukomanu as he is also saving 5% Realtor will help a lot in some cases but dabbul denkestaaru.... | ||
| Tombrady Legend Username: Tombrady Post Number: 30103 Registered: 05-2012 Posted From: 216.163.216.56 Rating: N/A |
pulte vaadena? | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14542 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
illu paadu seyakandi pesident goru | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14541 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
yes ct ye, construction stage 6 more months annat  | ||
| Rajusk Legend Username: Rajusk Post Number: 34592 Registered: 02-2008 Posted From: 170.74.56.80 Rating: N/A |
I am not sure about Northern jersey communities like Edgewater etc.. Oranges(East/West), Summit areas are one choice..which are easy commute to Jersey city..and probably the least commute other choices are East/North Brunswick..where there is a direct bus to Jersey City using NJ Transit Other choice I think is Old Bridge/Sayreville..where buses go to Jersey City.. | ||
| Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 29091 Registered: 02-2009 Rating: N/A |
sonyesh nuvvu konesaav ani seppav CT aa | ||
| Coolmac Megastar Username: Coolmac Post Number: 29429 Registered: 05-2007 Posted From: 65.170.103.234 Rating: N/A |
yes..vachestadhi naa location tharvatha needhe | ||
| Coolmac Megastar Username: Coolmac Post Number: 29428 Registered: 05-2007 Posted From: 65.170.103.234 Rating: N/A |
Ammithe araganta lo ellipovali... Rent ki iste one week lo fill ayipovali... high demand vundali area ki.. mortgage payment equal or greater ga rent vache area yenaa? paina moodu questions ki answer NO ithe, aa area lo illu konatam is DOOLA and LUXURY..not an investment at all... my 2 paisa | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14540 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
location set, anushka ochestadi antavaa | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14539 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
oh nee enakale nunchunta uncle ayite | ||
| Vasu Comedian Username: Vasu Post Number: 1568 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
Ante Sony bhayya ni santodi category lo esesava? Chas, nenu jump  | ||
| Tombrady Legend Username: Tombrady Post Number: 30102 Registered: 05-2012 Posted From: 216.163.216.56 Rating: N/A |
 | ||
| Coolmac Megastar Username: Coolmac Post Number: 29423 Registered: 05-2007 Posted From: 65.170.103.234 Rating: N/A |
First Point: Pick a location where u want to buy a home Second Point: Pick a location where u want to buy a home Third Point: Pick a location where u want to buy a home | ||
| Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 29090 Registered: 02-2009 Rating: N/A |
sthreelu , vrudhulu taruvaatha needhay chance | ||
| Legend Username: Twitter Post Number: 35977 Registered: 10-2009 Posted From: 198.240.130.75 Rating: N/A |
yup ..@jodha ck vaadu scores ekkadinundo thesukuradu he gives the score provided by Transunion which is the highest score among 3 bureaus, that 30 difference might be the difference between Experian/Equifax one among these bureaus will give low score . | ||
| Vasu Comedian Username: Vasu Post Number: 1567 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
Livingston area is easy anukunta and you get good homes for rent in that area | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14537 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
all 6 steps executed, seat ichettaraa | ||
| Humpty_dumpty Moderator Username: Humpty_dumpty Post Number: 29089 Registered: 02-2009 Rating: N/A |
the lender does not use credit karma, mint etc 1. pick a mortgage lender in your area who is well rated in yelp etc 2. set up an appointment 3. tell your buying range (quote 10-15% less, as you will eventually end up buying in that range) 4. he will ask your annual income, rough monthly expenses, existing loans etc and how much DP 5. he will then give you options on available loans( usually pvt lenders dont want to do pmi and try to sell equity loans- so ignore his opinion and digest the info) 6. simultaneously, they will ask you to fill out a loan app and give permission for credit history and score check...based on that their loan options and amount vary. Getting credit score checked for RE loan , a couple of times, is not goign to hurt your eventual history/score. 7. after digestion, post in ccdb to get views from seasoned warriors like AW and co most important: Execute Step 1 then come to db good luck no offense to anyone: thanksgiving deals laaga credit sites ani gola seyyakandi...it is a waste of your precious time | ||
| Jalsa Megastar Username: Jalsa Post Number: 28392 Registered: 02-2008 Posted From: 159.53.78.140 Rating: N/A |
Raju goru, commute to jersey city easy ga undi, schools decent ga undey (for autism, special needs) areas untey seppandi...all therapists/school teachers are saying she needs a sensory room like thing...maaku intlo space undatledhu konnavi petti adinchataniki...i know home buying is a huge commitment, but pedhha house rent cheyadam vs konadam ye choice | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14536 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
credit karma is reliable | ||
| Tombrady Legend Username: Tombrady Post Number: 30101 Registered: 05-2012 Posted From: 216.163.216.56 Rating: N/A |
nice thed warren post follow avvatame
| ||
| Vasu Comedian Username: Vasu Post Number: 1565 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
Antha ledu bhayya edo potta kooti kosam nana thippalu padutunnam. Chinna kottu in a strip mall dorikindi, offer ichanu along with a friend. Iddari ki kotte risk theesukuntunnam around 400K | ||
| Chiru_fan Megastar Username: Chiru_fan Post Number: 21269 Registered: 04-2008 Posted From: 72.81.129.167 Rating: N/A |
Annai, Jodha's message choodandi....about creditkarma CHIRU - SACHIN - FEDERER | ||
| Vasu Comedian Username: Vasu Post Number: 1563 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
Experian Range is 330-844 Equifax is 334-818 Transunion is 309-839 Avi min and max range of their scoring. How they come up with our scores is based on their algorithm. Complex math ani telusu eppudu ardham chesukundaniki try cheyaledu. | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 29596 Registered: 02-2008 Posted From: 69.174.58.116 Rating: N/A |
Naa experian score usbank itchedhi eppudu 700+ choopisthadhi..second car kosam ani loan ki pothey 660 choopichaaru akkada  | ||
| Andhrawala Legend Username: Andhrawala Post Number: 35665 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
ethalo kontunnaavu commercial properties?? million or 2 million No Signature | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 29595 Registered: 02-2008 Posted From: 69.174.58.116 Rating: N/A |
i know about diff unions..ee score gola eppudu ardham kaadu..choopinchedhi okati..edhanna konaali ani pothey vadu diff score choopisthaadu | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14535 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
Raju gaaru, Creditkarma.com is best, alage MINT.com both provide free credit score | ||
| Vasu Comedian Username: Vasu Post Number: 1562 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
I too think so, scores ante you have to pay a small amount. | ||
| Chiru_fan Megastar Username: Chiru_fan Post Number: 21267 Registered: 04-2008 Posted From: 72.81.129.167 Rating: N/A |
Sister, I think vaadu credit history maatramee isthaadu anukuntaa not the scores.... CHIRU - SACHIN - FEDERER | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 29594 Registered: 02-2008 Posted From: 69.174.58.116 Rating: N/A |
usbank card untey vaadu isthunnaadu free Experian score every month.else every year once annualcreditscore portal lo isthaadu free ga all 3 scores. | ||
| Vasu Comedian Username: Vasu Post Number: 1560 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
You can take 2 loans and avoid PMI bhayya. I'm venturing into commercial property buying now. Chudali first time risking donno how it will work out. Too many loans ani esestada leka commercial ki separate ga chustado teldu. Anyone here who bought commercial properties? Konchem guidance kavali. | ||
| Kurrokurru Comedian Username: Kurrokurru Post Number: 1625 Registered: 01-2008 Posted From: 71.228.34.39 Rating: N/A |
sis meeku kuda Chicago ne kada | ||
| Vasu Comedian Username: Vasu Post Number: 1558 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
Discover and DCU give free of cost every month. Nuvvu NJ ne kada, you should get all 3 reports for free konchem fees ki score kuda istaru. | ||
| Vasu Comedian Username: Vasu Post Number: 1557 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
Each union has a separate scoring range. I'm at 800+ on all 3, Experian, Quifax and Transunion. But 780+ is very good ani cheppedu oka sari oka mortgage lender. | ||
| Rajusk Legend Username: Rajusk Post Number: 34590 Registered: 02-2008 Posted From: 170.74.56.80 Rating: N/A |
free gaa score soosukone site seppandi .. | ||
| Gochi Comedian Username: Gochi Post Number: 1739 Registered: 12-2006 Posted From: 8.7.228.252 Rating: N/A |
http://www.zillow.com/mortgage-calculator/refinance-calculat or/ idhi follow aipo risingesh... | ||
| Warren Junior Artist Username: Warren Post Number: 78 Registered: 02-2009 Posted From: 170.63.120.83 Rating: |
It all depends on the budget. Best suggestion is. first have money in reserve. Even your paying below 20% down. You should have money in reserve for at least 6 months payments. Rule of thumb 1)Down payment(10 to 20% of amount) for 400k house it is 40k to 80k 2) Closing cost around 1 to 3%. take 3% as max. around 10k 3) 6 months payments in reserve . 2500 month =15k 4) moving cost 1k 5) appliance cost 2k above are just average cost to buy house. It may increase a lot. Never go without having money in reserve. You cannot use credit card for above things as your loan approval process is big and you should keep your credit cards usage at low and credit history at high to get loan approval. god bless you. | ||
| Chiru_fan Megastar Username: Chiru_fan Post Number: 21266 Registered: 04-2008 Posted From: 72.81.129.167 Rating: N/A |
thanks Jodha....maree +30 antee kastham ley....nenu monna oka payment cheyyatam marichaanu (two months kinda)....as usual naa score ki gandi padi vuntundi... okka saari choosukundaamu ani post vesaa.... so that loan ki apply cheyyali antee ee information manaki avasaram kadaa ani.... CHIRU - SACHIN - FEDERER | ||
| Andhrawala Legend Username: Andhrawala Post Number: 35664 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
2000 per year kathaa approximately?? Zero cost refi dorukuthundhi. sometiems u may make money in refi too No Signature | ||
| Legend Username: Twitter Post Number: 35974 Registered: 10-2009 Posted From: 198.240.130.75 Rating: N/A |
ippudu 640 undhi | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 29593 Registered: 02-2008 Posted From: 69.174.58.116 Rating: N/A |
cool. @Chiru_fan- bhayya adhi antha reliable site kaadu..+30 choopisthundhi adhi from actual score. | ||
| Rajusk Legend Username: Rajusk Post Number: 34588 Registered: 02-2008 Posted From: 170.74.56.80 Rating: N/A |
 | ||
| Risingstar Legend Username: Risingstar Post Number: 34966 Registered: 08-2008 Posted From: 192.175.173.142 Rating: N/A |
I am paying 4.25% on 30 year loan.. how much I can save on 400k, if I get 3.75.. Reddy is not casete "its way of life" - Gootle annai on Sunday 29th March 2009 | ||
| Chiru_fan Megastar Username: Chiru_fan Post Number: 21264 Registered: 04-2008 Posted From: 72.81.129.167 Rating: N/A |
Is Creditkarma good place to view our FICO score or are there any good sites where we can get this info? In the past I payed 29.99 to view the scores from three agencies.... CHIRU - SACHIN - FEDERER | ||
| Legend Username: Twitter Post Number: 35973 Registered: 10-2009 Posted From: 198.240.130.75 Rating: N/A |
naku 740 unde loan process time ki ..intha kante thakkuva rate ki vacchindhi ..ofkors adhi 5yrs ARM anuko ..aa time lo 30yr kooda 3.8 ki offer chesaru | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 29591 Registered: 02-2008 Posted From: 69.174.58.116 Rating: N/A |
cool..good to know. Thanks for sharing | ||
| Kurrokurru Comedian Username: Kurrokurru Post Number: 1624 Registered: 01-2008 Posted From: 71.228.34.39 Rating: N/A |
90% of the realtors share their commission with the buyer... at least 50% amount easily... and they wont charge you anything to show you homes... they will get money from the seller... Tell him clearly about your requirements and he will show you only those.. Before going to realtor get your Mortgage loan preapproval from any bank.... Select a home,plan your down payment and close it... | ||
| Jodhaa Megastar Username: Jodhaa Post Number: 29590 Registered: 02-2008 Posted From: 69.174.58.116 Rating: N/A |
all time low na? Credit score entha undaali ee rate raavali antey manaki? | ||
| Andhrawala Legend Username: Andhrawala Post Number: 35660 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
mee CT lo 400K ki illu dorukuthaayaa?? thought expensive No Signature | ||
| Vasu Comedian Username: Vasu Post Number: 1554 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
As of last week 3.75 on 30 year fixed | ||
| Risingstar Legend Username: Risingstar Post Number: 34960 Registered: 08-2008 Posted From: 192.175.173.142 Rating: N/A |
mortage interest rates thaggaya?? Reddy is not casete "its way of life" - Gootle annai on Sunday 29th March 2009 | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14534 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
CT | ||
| Kurrokurru Comedian Username: Kurrokurru Post Number: 1623 Registered: 01-2008 Posted From: 71.228.34.39 Rating: N/A |
PMI can be avoided even with below 20% down if the mortgage loan is below 417K If more than then 2 loans teesukovali..2nd will be equity loan.. | ||
| Vasu Comedian Username: Vasu Post Number: 1553 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
Super ayite... ye state? | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14532 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
recent gaa negotiate chesa bhayya, closing costs are paid by the buyer for me | ||
| Vasu Comedian Username: Vasu Post Number: 1551 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
True. Sony bhayya Seller market lo dorikinde mahaprasadam type lo kummesukuntunnaru janalu. | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14530 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
locality meeda depend avutundi, anni areas lo ala ledu.....250-400K market lo tellolu leru in laid back states | ||
| Andhrawala Legend Username: Andhrawala Post Number: 35658 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
currently it is seller market. janaalu line lo ninchuni kontunnaaru homes No Signature | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14528 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
negotiate cheyochu, where closing costs are paid by the buyer | ||
| Vasu Comedian Username: Vasu Post Number: 1550 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
 Seriously? | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14527 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
One more last thing, if the property you are interested has any HOA fees, HOA fees unte what do they cover | ||
| Sonyvaio Hero Username: Sonyvaio Post Number: 14526 Registered: 12-2006 Posted From: 170.48.19.254 Rating: N/A |
1. Go to Zillow/Realtor/Trulia websites and find the houses in the locality you are interested get the general idea about the area. 2. Intersted areas lo Open houses ki velli randi 3. During Open houses you will find Home Sellers agent there, 4. When you get a real feel and idea what you wanted in your house and locality then call for local agents. 5. Buyer agent ask you to sign a form that says for next 6 months any house needs to go through with you dont sign for this, ask him if you find something you can go with other realtor. 6. Agent commission is between 2 to 3 percent which they get it from seller, ask for share. 7. Make sure with agent that Closing costs are something that are paid by the seller but not by Buyer Above steps lo Buyer is you | ||
| Vasu Comedian Username: Vasu Post Number: 1549 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
You are right... again it depends, on my first home they generated 1099 which I had to use it for tax filing. Second one ki nuvannattu HUD ani gurthu, chala dinalu ayyindi marchipoya | ||
| Andhrawala Legend Username: Andhrawala Post Number: 35656 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
1099 generate avvadhu Usually they put it in HUD saying contributing towards closing costs also kontha amount (more than leggally allowed0 they give in cash after deducting taxes. this many desi realtors do to gain business No Signature | ||
| Vasu Comedian Username: Vasu Post Number: 1546 Registered: 10-2014 Posted From: 47.16.177.98 Rating: N/A |
Buyer agents usually get 2% or 3% max. Nuvve cheppe 5% or 6% is for selling agent. Yes everything is black and white and the agent company generates 1099 on this and you have to show it as income in your tax returns. Believe me this is the most easiest process in this country. Apart from the realtor, you also have to look for an attorney to close the deal. He may charge anywhere from $750 to $1200 all inclusive. | ||
| Andhrawala Legend Username: Andhrawala Post Number: 35651 Registered: 03-2008 Posted From: 152.51.56.1 Rating: |
ee sharing is not being done in all states. expecially California side seyatam ledhuu
which state and whats ur budget?? Be ready with 20% down to avoid PMI. also keep 10% handy for furniture etc. another 10% for 6 month payments No Signature | ||
| Legend Username: Twitter Post Number: 35972 Registered: 10-2009 Posted From: 198.240.130.75 Rating: N/A |
yeah ..most of the banks ki realtor compulsory for both parties, usually seller pays 5% to his realtor and he will share 50% of that with buyers realtor..aa 50% lo manaki entha isthadu anedi matadukovali | ||
| Time_pass Side Hero Username: Time_pass Post Number: 5688 Registered: 06-2008 Posted From: 216.52.207.103 Rating: N/A |
mundu meeku e type illu kaavali, e location, entha price o decide avvandi age of the house emina pattimpu vunda facing of the house pattimpu vundha decide chesukondi daani batti searching chyandi if you are a novice go with realtor and do not let him push you on anything. take your time to decide what you need and what you want, and balance them my only suggestion is do not rush ATB | ||
| Abhysg Hero Username: Abhysg Post Number: 19712 Registered: 08-2008 Posted From: 73.29.102.28 Rating: N/A |
ikkada kooda unda... ila.. bilak aa white aa..? | ||
| Gochi Comedian Username: Gochi Post Number: 1738 Registered: 12-2006 Posted From: 8.7.228.252 Rating: N/A |
mundhu nee requirements listing chesko..like budget (idhi mostest imp), school district, square footage, any specific things u expect in home like vaaasthu, # of bedrooms, Land Area, Age of Home etc etc...aaa tharavaatha Realtor gurinchi telusuko, vaalla process elaa, per showing emanna charge chesthaara leka final sale amount lo commission theeskuntaaraaa( usually mana daggara emi theeskoru, seller nunche mottham theeskuntaaru), realtor tho emanna agreement sign cheyyaala (ante like what if I find a home by myself or not satisfied with them and want to go with a different realtor) Pre-mortgage Approval emanna kaavalaa, home inspection gatraa seyinchaneeki vaallaki emanna contacts unnaaya etc etc.. | ||
| Legend Username: Twitter Post Number: 35971 Registered: 10-2009 Posted From: 198.240.130.75 Rating: N/A |
use realtor just to get the list of homes to look and ask him whether he can share his commission and how much % ..if he agrees to share at least 50% then you can go ahead .. migathavi nuvvemi vethukuthunnavo neeku thelusu ..listing lo inti history mottham untadhi ..home owner tax payment and other property related sites untai for more details.. anthe ..ATB | ||
| Jalsa Megastar Username: Jalsa Post Number: 28387 Registered: 02-2008 Posted From: 159.53.110.140 Rating: N/A |
Detailed ga ettandi, excel update chesukunta future kosam. | ||
| 2009 Side Hero Username: 2009 Post Number: 2153 Registered: 07-2008 Posted From: 72.24.120.140 Rating: N/A |
Meeting a realtor tomorrow. How to deal with this complex home buying process in U.S.? What questions to ask ? etc mee experiences ettandi.. with any suggestions please. |
