| Author | Message | ||
Saarang Hero Username: Saarang Post Number: 15976 Registered: 06-2012 Posted From: 97.113.94.59 Rating: N/A |
i used firstcal, roundpoint mortgage in the past...you can find more on zilow mortgage | ||
Maverick Legend Username: Maverick Post Number: 64074 Registered: 01-2008 Posted From: 68.50.111.95 Rating: N/A |
any suggestions for online lenders? Union bank has .125 les than mkt for amzn employees. Can online lenders beat that? Happy Vizag | ||
Saarang Hero Username: Saarang Post Number: 15974 Registered: 06-2012 Posted From: 97.113.94.59 Rating: N/A |
Sometimes I go with a local bank because of seller constraints or ease of getting a loan. But, they are expensive...Caliber home loans and home street bank are examples. Online lenders are significantly cheaper...but there are a little bit more stringent with loan approvals. You should probably go with them. | ||
Maverick Legend Username: Maverick Post Number: 64073 Registered: 01-2008 Posted From: 68.50.111.95 Rating: N/A |
any local bank CU suggestions? I'm up for loan hunting Happy Vizag | ||
Happydays Side Hero Username: Happydays Post Number: 5372 Registered: 02-2015 Posted From: 165.156.40.42 Rating: N/A |
ok..thanks..malli taxes..alantivi emi vundavu kadha? Chiru,Veturi,SPB,Ilayaraja,Jandhyala,Vamsi,K Viswanath,Sachin,Florida | ||
Saarang Hero Username: Saarang Post Number: 15973 Registered: 06-2012 Posted From: 97.113.94.59 Rating: N/A |
Koncham tricky...depends on the bank rules. Make it a joint account or transfer to your accounts 2 months before applying for a loan. | ||
Starc Side Hero Username: Starc Post Number: 5830 Registered: 03-2015 Posted From: 98.110.245.67 Rating: N/A |
You can but wife has to give you a letter that she is gifting you the money. it happened to me. | ||
Happydays Side Hero Username: Happydays Post Number: 5371 Registered: 02-2015 Posted From: 165.156.40.42 Rating: N/A |
Got it..also, nenu illu konte..i will be the sole owner of the house.wife bank account nunchi deduct chesukovacha for paying downpayment? Chiru,Veturi,SPB,Ilayaraja,Jandhyala,Vamsi,K Viswanath,Sachin,Florida | ||
Maverick Legend Username: Maverick Post Number: 64071 Registered: 01-2008 Posted From: 108.171.130.186 Rating: N/A |
100K DOWN anuko(20%) home..ikkada agent commission 10k towards that..OG has to give only 90K. This is as good as OG borrowing 10k from his friend as he could not arrange the 100k(20%) down..so banks dont like..i think this is what happened Happy Vizag | ||
Happydays Side Hero Username: Happydays Post Number: 5370 Registered: 02-2015 Posted From: 165.156.40.42 Rating: N/A |
oka..mukka artham kaaledu..can u guys please elaborate.. Chiru,Veturi,SPB,Ilayaraja,Jandhyala,Vamsi,K Viswanath,Sachin,Florida | ||
Saarang Hero Username: Saarang Post Number: 15969 Registered: 06-2012 Posted From: 97.113.94.59 Rating: N/A |
Yes, banks dont like down payments going down because of the credit..so they will ask for changes to avoid/reduce that. | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1566 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
we tried using it in closing | ||
Happydays Side Hero Username: Happydays Post Number: 5369 Registered: 02-2015 Posted From: 165.156.40.42 Rating: N/A |
you mean comission related ? Chiru,Veturi,SPB,Ilayaraja,Jandhyala,Vamsi,K Viswanath,Sachin,Florida | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1565 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
agent credit accept avcaledu so we need to change loan documents so it got pyshed to next week. | ||
Gochi Side Hero Username: Gochi Post Number: 2795 Registered: 12-2006 Posted From: 64.121.67.210 Rating: N/A |
Ivaala closing annaavgaa...emayyindi OG vunkul.. | ||
Happydays Side Hero Username: Happydays Post Number: 5365 Registered: 02-2015 Posted From: 73.206.238.181 Rating: N/A |
Emaindi? Chiru,Veturi,SPB,Ilayaraja,Jandhyala,Vamsi,K Viswanath,Sachin,Florida | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1547 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
i will keep you guys posted what happens..i hope they will not spoil there name for the sake of 1 transaction | ||
Khaleja Side Hero Username: Khaleja Post Number: 4168 Registered: 09-2009 Posted From: 167.114.102.230 Rating: N/A |
super  . maa vadu 1099 ichadu. tax dobbinchukovalsi vachindi. | ||
Banam Hero Username: Banam Post Number: 12938 Registered: 12-2011 Posted From: 70.246.74.143 Rating: N/A |
Maaa builder direct ga down payment lo jama chesadu... Super anipinchindhi... Green Bay PACKERS ||San Antonio SPURS ||Sachin Ramesh TENDULKAR | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1546 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
yes 1 exam raasi new venture lo enter ayei oka 4-5 desis ni represent chesthey its a good start | ||
Andhrawala Legend Username: Andhrawala Post Number: 58827 Registered: 03-2008 Posted From: 136.56.13.159 Rating: N/A |
Realtors ki official gaa limit vuntundhi that they cant share more than certain percentage ani. General gaa icchedhi has to be given towards closing costs only. More than that ainappudu they give under the table cutting the taxes No Signature | ||
Khaleja Side Hero Username: Khaleja Post Number: 4167 Registered: 09-2009 Posted From: 167.114.118.4 Rating: N/A |
usually ram keeps 0.5% and gives back remaining. Frisco side builders(few) can sometimes allow you to use that amount directly in upgrades(I highly doubt if they do that now) also can use in closing costs. also builder ni batti untadi. ekkuva mandi 3% ee istharu, kani again mee vepu 5 to 6% undi. so pandaga chesuko. memu closing cost lo koda use chesukovataniki ledu. closing ayyaka agreed amount 1099 icharu. so tax kattanu malla andulo. | ||
Sesani Legend Username: Sesani Post Number: 51999 Registered: 08-2014 Posted From: 69.114.184.2 Rating: N/A |
Naaku direct ga telvadu kaani a guy in NJ became a realtor after buying a home in a new community.. andharhi pull cheyyadam start chesi to his community just as realtor commission 200k+ earn chesindu.. maa relative friend he is... | ||
Guriginja Legend Username: Guriginja Post Number: 36408 Registered: 02-2008 Posted From: 71.92.53.3 Rating: N/A |
hmm ok...nuvvu sign chesina closing docs neeku kuda oka copy icchuntar, dantlo clear ga ye agent ki yentha vacchindi $ ammount vesuntundhi...so go by that....neeku aa agent promise chesunte I am assuming he will pay, okka transaction ki reputation padu chesukoru ga...manchigane adugu yeppudu istharu ani...I will see how he will not give ante dobbey ante peekedemi ledhu....it is agent's money...so santham kantham la orpu sahanam tho povadame. | ||
Happydays Side Hero Username: Happydays Post Number: 5320 Registered: 02-2015 Posted From: 73.206.238.181 Rating: N/A |
really strange..the maximum they get is 3%..6% ante..chaala ekkuva..may be yours is exception case. Chiru,Veturi,SPB,Ilayaraja,Jandhyala,Vamsi,K Viswanath,Sachin,Florida | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1545 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
starpro realtor ram kinda chesey agent confirmed since we exceeded transactions limit we got 6% in this ani. so they are getting 6% | ||
Guriginja Legend Username: Guriginja Post Number: 36407 Registered: 02-2008 Posted From: 71.92.53.3 Rating: N/A |
at the time of closing, in the docs you sign there will be a break up of how much commission each agent gets. Usually builders have their own in house agents who get paid like like the listing agent, they are on site and cannot work as an agent. Usual ga the first time you go to see the property, if you don't go with your buyer agent, manky companies are not paying the 3% split, 1 - 1.5 pay chestharu....first time chusesi tharuvathaokadni teesukelli he is my agent ante work out avvadhu. Nuvvu intha teesuko, naku intha ivvu ani deal kudurchukunte, that is between the buyer and the agent, ivvaka pothe chesedem ledhu...desis and desi agents are the only ones that do this mostly as they do this as a secondary business....full time agents don't do it...6% buss adhi kuda ee market lo is koncham not nammable ga vundhi. | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1544 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
they applying 9k directly at closing as agent credit do i need to pay tax then as iam not getting any as cash | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1543 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
endi saami emi reply evvaledu niku | ||
Starc Side Hero Username: Starc Post Number: 5822 Registered: 03-2015 Posted From: 98.110.245.67 Rating: N/A |
Builder gives lots of coupons. discounts etc to buyer.. may be your agent is giving you all those to you as %.. Remember you need to show this as part of the tax returns.. means if you get 15k in return than 30% will go for tax. my brother got 3% worth of furniture coupons from the builder.. .. that you need not to show for tax returns. hope you understand.. remember.. whaterver you are getting in return is from what you are paying. no one is giving you from the pocket or you not getting any discount at all. you might be paying 500k for house which is worth of 400k.. in that extra 100k .. they give you some piece ... you ould be paying that amount for next 30 years.. you do not really realize that.. so niku kinda kosi.. malli niku mida chupistaru | ||
Seeker Junior Artist Username: Seeker Post Number: 451 Registered: 10-2016 Posted From: 50.7.78.235 Rating: N/A |
separate thread vesi mana vallani adugu macha. ee optiongenius kurrod andaru thanaki help seyyali ani expect chesthad kaani not give & take type guy. reply kuda ivvadu. | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1542 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
how to know that litigation. | ||
Starc Side Hero Username: Starc Post Number: 5821 Registered: 03-2015 Posted From: 98.110.245.67 Rating: N/A |
Builder gives only 3% to buyer agent if there is no seller agent. dantlo agent takes upto 1% and give you 2%.. intha kante ekkuva vaste.. akkada edo litigation unnattu.. | ||
Maverick Legend Username: Maverick Post Number: 64042 Registered: 01-2008 Posted From: 108.171.130.186 Rating: N/A |
how much would ur agent's re firm take..i am in a similar situation..inka closing avvaledu..so aa details didnt talk in detail Happy Vizag | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1541 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
i sell 1 yr subscription to my customer and iam responsible to sell stocks options picks every week and thet send mails every week they chat with me with there questions i do this for full 1 yr to charge 5k. thts amount of effort needed to even get 5k. how can it be 15mins of work fir 10k profit.why so greed | ||
Banam Hero Username: Banam Post Number: 12937 Registered: 12-2011 Posted From: 70.246.74.143 Rating: N/A |
Kontha mandhi 6% kooda istaru anukuntunna... Landon homes gives 4% to traditional 3%, so 6% might be possible too... Green Bay PACKERS ||San Antonio SPURS ||Sachin Ramesh TENDULKAR | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1540 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
i can sebd my Closing disclosure realtor commission which comes to 6% of my house buy price | ||
Banam Hero Username: Banam Post Number: 12936 Registered: 12-2011 Posted From: 70.246.74.143 Rating: N/A |
3% lo ne istaadhu... Ram gives 2.5% anukunta... Green Bay PACKERS ||San Antonio SPURS ||Sachin Ramesh TENDULKAR | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1539 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
there named is used in 100's of closing in recent times that the builder is offering 6% realtor commission. this is different to regular scenario so dont get confused. these guys without even spending 1hr on transaction putting 10k profits is not acceptable multiply with 100 thats million dollars free cash in 1 yr of just 100hrs of work. thats just looting peoples money. what i can do here to claim full 18k from realtor. | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1538 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
builder posted in trulia about year end sale in 2016 oct and i entered into contract so there is no seller agent involved. i just added these starpro guys with gentlemans agreement to deduct 1k and give the rest to me. how can they expect to pocket 9k with 5-10 mins of work and few mouse clicks and sending couple of emails. i will not let this go. if these guys are so greedy pocketing 9k for not even 30mins of there work. its the bhyer who is taking all the risk with 30yrs commitment to pay monthly payments.. charge 1k per transaction that is fine but hell no 10000$ for 30 min work.why so greed. | ||
Andhrawala Legend Username: Andhrawala Post Number: 58824 Registered: 03-2008 Posted From: 136.56.13.159 Rating: N/A |
Seller ledu kabatti just 3% comission vuntundhi U can see how much commission is changing hands on the HUD stateent. Nee 9k neeku ivvanu antee just walkout form closingg No Signature | ||
Maverick Legend Username: Maverick Post Number: 64041 Registered: 01-2008 Posted From: 108.171.130.186 Rating: N/A |
still, you dont get 6% Happy Vizag | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1537 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
i mean no seller involved as its brand new build. | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1536 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
its new build direct from from builder there is seller agent involved only buyer agent is involved | ||
Caone Junior Artist Username: Caone Post Number: 72 Registered: 12-2011 Posted From: 24.4.27.253 Rating: N/A |
Seller agent 3% and buyer agent 3%, total is 6% kadhaa. Builder hires a seller agent kadhaa, mottam 6% meekela istharu? | ||
Happydays Side Hero Username: Happydays Post Number: 5319 Registered: 02-2015 Posted From: 73.206.238.181 Rating: N/A |
6% isthaara?..i thought they only get 3%.. Chiru,Veturi,SPB,Ilayaraja,Jandhyala,Vamsi,K Viswanath,Sachin,Florida | ||
Optionsgenius Comedian Username: Optionsgenius Post Number: 1535 Registered: 12-2014 Posted From: 76.183.220.196 Rating: N/A |
Realtor Ram of dallas of starpro,name is used in my transaction,on monday im closing house.my builder agreed to give 6% commission and this i came to know when im going closing disclosure in leisure today. original gentlemans agreement was that they keep 1k and give back rest to the buyer/customer. i just pinged my agent this morning he says he will taLk to Ram and let me know how much i will get. mana db lo evari kanna e candidate telusa personal ga. pls email sasi.admn at gmail how to get that additional 9k. |