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Jalsa
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Username: Jalsa

Post Number: 16170
Registered: 02-2008
Posted From: 24.185.56.67

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Posted on Saturday, August 18, 2012 - 04:16 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Rajusk:



inthaki itemized lo na leka standard aa?
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Rajusk
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Username: Rajusk

Post Number: 22756
Registered: 02-2008
Posted From: 24.185.0.74

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Posted on Saturday, August 18, 2012 - 03:21 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:


Mav,

Tax lo return vachedi manam intiki pette maintenance ki set avuthundi..so ekkuva hisab veyyaku
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Jalsa
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Username: Jalsa

Post Number: 16167
Registered: 02-2008
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Posted on Saturday, August 18, 2012 - 03:06 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:



taxes file chesetappudu, with standard deductions on turbotax, it asked me if i paid property tax, even though i was renting and counted some percentage of the rent towards property tax
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Maverick
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Username: Maverick

Post Number: 40338
Registered: 01-2008
Posted From: 98.214.85.176

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Posted on Saturday, August 18, 2012 - 03:05 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Assuming 350k with best rate u may pay 1000 interest..spn11500 meeda konchem ekkuva and property taxes
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Maverick
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Username: Maverick

Post Number: 40337
Registered: 01-2008
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Posted on Saturday, August 18, 2012 - 03:02 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jalsa:




I think he replied in a hurry. Iddaru working aithe above 11500 what ever is the interest paid,that is beneficial and property taxes. Mee house prices ki STD deduction datutundi ile
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Jalsa
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Username: Jalsa

Post Number: 16166
Registered: 02-2008
Posted From: 24.185.56.67

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Posted on Saturday, August 18, 2012 - 02:59 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Maverick:

StD deduction chesi ink a mortgage interest,property taxes chestara? Ee desam lo? Itemize chesi malla STD deduction enti?



naa doubt idhey. mari simba endhi atla cheppaaru?
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Maverick
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Username: Maverick

Post Number: 40336
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Posted on Saturday, August 18, 2012 - 02:56 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Urumi:




Naaku gc proof adigaru
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Maverick
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Username: Maverick

Post Number: 40335
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Posted on Saturday, August 18, 2012 - 02:56 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jalsa:


and samba?

StD deduction chesi ink a mortgage interest,property taxes chestara? Ee desam lo? Itemize chesi malla STD deduction enti?
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Rajusk
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Username: Rajusk

Post Number: 22751
Registered: 02-2008
Posted From: 24.185.0.74

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Posted on Saturday, August 18, 2012 - 01:57 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Emc2:

owner financing emina unda..


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Emc2
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Username: Emc2

Post Number: 8412
Registered: 03-2008
Posted From: 71.246.229.243

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Posted on Saturday, August 18, 2012 - 01:22 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Rajusk:




owner financing emina unda..
cherapakura chedevu.
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Rajusk
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Username: Rajusk

Post Number: 22749
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Posted on Saturday, August 18, 2012 - 01:10 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jalsa:

adeti, last year ye konnaru ga?




offline me baath karenge
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Jalsa
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Username: Jalsa

Post Number: 16164
Registered: 02-2008
Posted From: 24.185.56.67

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Posted on Saturday, August 18, 2012 - 12:48 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Rajusk:



adeti, last year ye konnaru ga?
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Rajusk
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Username: Rajusk

Post Number: 22748
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Posted on Saturday, August 18, 2012 - 12:35 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jalsa:

that tempted me a bit but immi status stable ayyaka choodhaamnu ani wait chesaanu




nenu ammutha konukko...madhyalo broker gaadiki ichede edo...neeke price cut istha..
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Urumi
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Username: Urumi

Post Number: 2992
Registered: 12-2011
Posted From: 71.174.226.211

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Posted on Saturday, August 18, 2012 - 12:30 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

inkaa, h1 expiry date lu ilaantivi em adagaraa gc leni vaallaki loan ivvataaniki
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Jalsa
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Username: Jalsa

Post Number: 16162
Registered: 02-2008
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Posted on Saturday, August 18, 2012 - 11:52 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

Meeru Edison lo konali ane obligation undha? Very towns explore chesara? Are your kids in middle to high school?



manchi place ayithe chaalu. i was actually looking for something closer to my workplace (hehehe, near metropark ;-) )...

nenu cheppina illu kooda independent house andi.

btw, how much work is it owning a independent house, considering the cold weather here etc.
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Simba
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Username: Simba

Post Number: 6933
Registered: 02-2008
Posted From: 24.188.108.251

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Posted on Saturday, August 18, 2012 - 11:49 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jalsa:

3 br, 2 bath house with basement in north edison for 385K.



The price is very close to what I sold mine for. But mine is, 4 BR, 2.5 bath, 2 car garage with full basement (another 800 sft), "detached" home.

Meeru Edison lo konali ane obligation undha? Very towns explore chesara? Are your kids in middle to high school?
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Jalsa
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Username: Jalsa

Post Number: 16159
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Posted on Saturday, August 18, 2012 - 11:44 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

yes. That is one of the driving factors for buying a house.



on top of standard deductions aa, that's nice to know. just end of last month, naa colleague oka athanu konnaru 3 br, 2 bath house with basement in north edison for 385K. It's a split level house with a all-weather room facing the backyard. that tempted me a bit but immi status stable ayyaka choodhaamnu ani wait chesaanu. he wasn't sure if it was deductible on top of standard deductions. that's a lot of money saved :-)
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Blackmamba
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Username: Blackmamba

Post Number: 20062
Registered: 05-2010

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Posted on Saturday, August 18, 2012 - 11:43 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

em appa? aa reaction endhi??



torture anipinchindi.. took two ciggy breaks in btw.. vaammo naa valla kaaledu...
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Telugu_times
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Username: Telugu_times

Post Number: 31498
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Posted on Saturday, August 18, 2012 - 11:38 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Politricks:


Virginia, NJ lo....you guys will be competeting with other desi guys......
:-)
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Simba
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Username: Simba

Post Number: 6931
Registered: 02-2008
Posted From: 24.188.108.251

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Posted on Saturday, August 18, 2012 - 11:37 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jalsa:

is property tax, mortg interest tax deductible on top of standard deductions?



yes. That is one of the driving factors for buying a house.
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Jalsa
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Username: Jalsa

Post Number: 16158
Registered: 02-2008
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Posted on Saturday, August 18, 2012 - 11:33 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

last year illu kosam tirigi chaala ibbandhi paddaamu. ee year immi status stable avvaali ani choostunna...chinna size illu konukkuntey better emo anukunna gaani, i'm not able to justify the cost...like mortg payment, property taxes etc

is property tax, mortg interest tax deductible on top of standard deductions?
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Linkmaster
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Username: Linkmaster

Post Number: 28441
Registered: 02-2008
Posted From: 98.214.146.140

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Posted on Saturday, August 18, 2012 - 11:28 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:




Thanks for this thread.. I have cancelled rental deed.. just going with purchase
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Jalsa
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Username: Jalsa

Post Number: 16157
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Posted on Saturday, August 18, 2012 - 11:27 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

I had to come down about $15K from asking price.



that's pretty common anukunta ga unless it's in a area with demand?
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Politricks
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Username: Politricks

Post Number: 13418
Registered: 03-2008
Posted From: 76.120.242.1

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Posted on Saturday, August 18, 2012 - 11:20 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

"Edison lo 10 year old 2600 sft house was listed for $550k. "


Arachakam saami ee NOTHERN VA....EDISON NJ which is not even 30 miles from NY lo 550K listing anta...denemma ee VA lo adesize 10 year old 600K septhar saale gallu..
PULP thammud about JAGAN REDDY: vaadu oosaravelli kaadhu simhabaludu!

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Simba
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Username: Simba

Post Number: 6930
Registered: 02-2008
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Posted on Saturday, August 18, 2012 - 11:12 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Emc2:

Nikkor AF 18-35mm f/3.5-4.5D ED (DX)



This is a light weight wide-angle zoom lens.

Pros: Inexpensive. Light-weight.
Cons: Not wide enough. DX lens (not suitable for FX cameras). Smaller aperture.

Wide angle kosam aite, idhi cheaper option. Ippudu Cons lo cheppina anni ponits beat cheyyali ante, you should pick $1800 heavier lens.

For D7100 I will go with the one you suggested.
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Emc2
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Username: Emc2

Post Number: 8411
Registered: 03-2008
Posted From: 71.246.229.243

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Posted on Saturday, August 18, 2012 - 11:00 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:




Nikkor AF 18-35mm f/3.5-4.5D ED (DX)

aa lens meeda thodara ga nee opinion cheppu,i am going to buy this today,

i need this for portraits and wide angles pictures

i am going to use this on d7000..


cherapakura chedevu.
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Simba
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Username: Simba

Post Number: 6928
Registered: 02-2008
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Posted on Saturday, August 18, 2012 - 10:48 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Emc2:

renting work out avvaleda?



I noticed two houses, similar to mine, have been on rental market. No takers for 2.5K rent. Any lower rent minus property taxes would not justify holding on it than moving the equity to current mortgage (higer one though).
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Emc2
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Username: Emc2

Post Number: 8410
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Posted on Saturday, August 18, 2012 - 10:40 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:




cool,renting work out avvaleda?
cherapakura chedevu.
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Simba
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Username: Simba

Post Number: 6925
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Posted on Saturday, August 18, 2012 - 10:12 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

oh last 6 months e na..ayethe case ledhu



yeyy... inga shopping shuru?
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Simba
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Username: Simba

Post Number: 6924
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Posted on Saturday, August 18, 2012 - 10:11 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Unorthodox:

enni rojulu nundi neeku illu undi? konnappudu enta down chesaavu? $20k ekkuva price ki ammite asalu profit elaa make chestaavu? undedi e uullo? naakenduko neededo non-busy area lo $300k or $200k lopu house anipistandi!(nee house price telusukovaalane uddesam kaadu!)



Sayreville, NJ (4 BR, 2 car garage, full basement)

'02 lo 300 ki konna. '06/'07 lo peak (450) ki vellindi. I listed for 425 expecting 400. Finally settled for 390.

For the mortgage payments I paid in 5 years (I paid off by then), I am at break-even to little profit. If I had rented a big place like this for 10 years , it would be just a waste. Now, I could us this equity for future.
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Simba
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Username: Simba

Post Number: 6923
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Posted on Saturday, August 18, 2012 - 10:05 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Blackmamba:



em appa? aa reaction endhi??

Ek Tha Tiger naaku baagane anipinchindi. Salman recent movies okkati kooda naaku nacchaledu. Indulo athi cheyykunda control lo pettaru. Thodalu kotte scenes, chanthaadu antha davilogs, mind twisting logics ekkada levu. Action scenes are well shot.
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Blackmamba
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Posted on Saturday, August 18, 2012 - 01:14 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

Just out from Ek The Tiger. Nice movie.



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Simba
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Username: Simba

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Posted From: 166.137.88.177

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Posted on Saturday, August 18, 2012 - 12:56 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Hookah Bar is awesome...
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Subzero
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Username: Subzero

Post Number: 14394
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Posted From: 117.195.229.128

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Posted on Friday, August 17, 2012 - 10:11 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

congrats Simba, good for u
en kaadhal puriyalaya un nastam anbe po
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Telugu_times
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Posted on Friday, August 17, 2012 - 10:02 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

I had to come down about $15K from asking price. Inka late ayite, schools start avuthayi, sales chala padipotayi. Inka next spring varaku empty ga unchatam kante, entho kontha ku ammatam better



Yup
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Simba
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Posted on Friday, August 17, 2012 - 09:51 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Just out from Ek The Tiger. Nice movie. Next stop, Fire & ice.
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Pointblank
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Posted on Friday, August 17, 2012 - 07:20 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

congrats
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Abcdefghij
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Username: Abcdefghij

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Posted on Friday, August 17, 2012 - 07:01 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Unorthodox:

If you are calculating down payment+mortgage paid till date(-sum of what you would have paid had you rented)+selling agent commission, are you still making profit with sold price being just $20k higher than bought price?





Ravino: jail antava gandhi kuda welladu adhe bata lo jagan anna
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Unorthodox
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Username: Unorthodox

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Posted on Friday, August 17, 2012 - 06:59 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Home loan process was always the same, but before 2008 because of the loose lending practices from loan makers, they did not strictly follow the procedure. You still have FHA route if you want to put down less money. Anyone looking for home loan?
No tears in the writer, no tears in the reader. No surprise in the writer, no surprise in the reader - Robert Frost.
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Unorthodox
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Posted on Friday, August 17, 2012 - 06:56 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:


enni rojulu nundi neeku illu undi? konnappudu enta down chesaavu? $20k ekkuva price ki ammite asalu profit elaa make chestaavu? undedi e uullo? naakenduko neededo non-busy area lo $300k or $200k lopu house anipistandi!(nee house price telusukovaalane uddesam kaadu!)

If you are calculating down payment+mortgage paid till date(-sum of what you would have paid had you rented)+selling agent commission, are you still making profit with sold price being just $20k higher than bought price?
No tears in the writer, no tears in the reader. No surprise in the writer, no surprise in the reader - Robert Frost.
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Jodhaa
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Username: Jodhaa

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Posted on Friday, August 17, 2012 - 06:55 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Abcdefghij:

last 6 months.. particularly last 2-3 bank statements


oh last 6 months e na..ayethe case ledhu.
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Abcdefghij
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Username: Abcdefghij

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Posted on Friday, August 17, 2012 - 06:52 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

hmm..ila enni years back transactions anni check chestharu gen ga?last 2 3 or 4 years?




last 6 months.. particularly last 2-3 bank statements
Ravino: jail antava gandhi kuda welladu adhe bata lo jagan anna
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Jodhaa
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Posted on Friday, August 17, 2012 - 06:49 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Goonda:

in 2007 while buying gold.. i pooled money from all my friends and to send to gold seller. it was some thing like 28k. when i was finalizing the mortgage, the bank asked me why there were so many.. incoming transactions and where did the money go.. i had big time in explaining about what happened..


hmm..ila enni years back transactions anni check chestharu gen ga?last 2 3 or 4 years?
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Abcdefghij
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Posted on Friday, August 17, 2012 - 06:41 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:




no it has gonna up for past one year... as you said school year start ayye lopu its a good deal...leda it would go up but might have to gamble for next summer.

which city?
Ravino: jail antava gandhi kuda welladu adhe bata lo jagan anna
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Simba
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Posted on Friday, August 17, 2012 - 05:45 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

paltry $20k.



* 80k
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Simba
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Abcdefghij:

if you could sell for profit thats real good and market is turning lookslike to green...house prices seems to go up



Not really. I bought it 10 years ago, before housing market picked up. In the peak market, I could sell for 120K profit. But, now I had to settle for paltry $20k. Have been checking the market for 6 months, it is either stable or going down.
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Abcdefghij
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Goonda:

i had big time in explaining about what happened..




they usually ask letters from all transaction parties that they wont ask that money back or something...

Simba:

I was able to sell with little profit.



if you could sell for profit thats real good and market is turning lookslike to green...house prices seems to go up
Ravino: jail antava gandhi kuda welladu adhe bata lo jagan anna
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Goonda
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Posted on Friday, August 17, 2012 - 05:35 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

in 2007 while buying gold.. i pooled money from all my friends and to send to gold seller. it was some thing like 28k. when i was finalizing the mortgage, the bank asked me why there were so many.. incoming transactions and where did the money go.. i had big time in explaining about what happened..
Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP

Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu
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Goonda
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Oohlala:

Congrats.... telisina vallaki short sale lo 350k house teesukunnaru, on H1, with just 5% down....process doesn't seem to be consistent everywhere


they have to pay mortagage insurance for this..
Sasibabu: If TDP loses next elechens, i will donate 10% of my salary to TDP

Skywalker: Bala chiru type kadu.....narasimha swamy avataram etti posani gadi pegulu medalo esukuntadu
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Oohlala
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Posted on Friday, August 17, 2012 - 05:19 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:



Congrats.... telisina vallaki short sale lo 350k house teesukunnaru, on H1, with just 5% down....process doesn't seem to be consistent everywhere
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Simba
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Maverick:



Understand. But, that's is not how lender thinks. It is not just your potential to pay the money, but any unverified sources flags them into suspecting. Again, these verifications vary on market conditions. Few years ago, when housing market was going up, nobody questioned these. After the bubble, they see every small thing under microscope. Can't help.
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Linkmaster
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Simba:




simba, pl call me on 309 706 2126.. kind of urgent.. thanks
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Jodhaa
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Simba:

Nenu em chesanate... India lo friends ki dabbulu icchi, ikkada valla checks ni naa a/c lo veyakunda, direct ga, new house upgrades contractors ki, appliances dealers ki etc icchesa. Ikkada baaki teerindi, without my personal account anywhere.


superrr
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Jodhaa
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Simba:

Apparently, there is no easy way than hawala. India lo dabbu icchi, ikkada $s teesukovacchu. But, aa dabbu mana a/c lo veste, lender vandha questions aduguthadu.


nah nah..its not hawala..2 many deposits from friends into my checking account and naa bank nunchi valla india bank ki transfer petta.
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Maverick
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>>Neeku dabbu katte thahathu undhi, kaani adhi ela vacchindi annadi imp.

>>say your 20% down is 50k...and u have funds upto 70K..out of which only 3K is coming from other account. what is the need to verify that 3K when there is a straight verified/clear 67K which is more than the downpayment?
Who is this DB member?
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Simba
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Jodhaa:

naa account ganuka vaadu motham check chesthey easy ga oka 15 flags raise chesthaadu emo.



Remember, 8 months ago I opened a thread here asking ideas to transfer money from India? Apparently, there is no easy way than hawala. India lo dabbu icchi, ikkada $s teesukovacchu. But, aa dabbu mana a/c lo veste, lender vandha questions aduguthadu.

Nenu em chesanate... India lo friends ki dabbulu icchi, ikkada valla checks ni naa a/c lo veyakunda, direct ga, new house upgrades contractors ki, appliances dealers ki etc icchesa. Ikkada baaki teerindi, without my personal account anywhere.
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Simba
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Maverick:

wats the purpose?



Neeku dabbu katte thahathu undhi, kaani adhi ela vacchindi annadi imp.

It is more of regulation than verification.
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Linkmaster
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Simba:




pl send a test mail to dasapaka at yahoo..

need lot of info from you..

Thanks
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Guru
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simba:

enchakka edison lo "mana" valla madhya undi, oak tree lo food thini, movies chooste chaalu. They are just stuck to group-thinking.




tru that but the house i was talking about was in Summit
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Simba
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Jodhaa:

out..clean bowled.




mee friends ila untara?
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Maverick
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simba 40308 choosi konchem decode chestava wats the purpose?
Who is this DB member?
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Jodhaa
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Maverick:

and explaining transactions is also a pain..anything coming in >3k-4k gets flagged and need to explain..


out..clean bowled.
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Jodhaa
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Khandada:

@Jodhaa

meeru bombai lo auto johny..idharr kaa maal udhar aa...hehe


he he..oka range lo..thats mom life..last year verey friends ki kooda transfer chesi petta L1's ki..naa account ganuka vaadu motham check chesthey easy ga oka 15 flags raise chesthaadu emo..
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Khandada
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@Jodhaa

meeru bombai lo auto johny..idharr kaa maal udhar aa...hehe
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Jodhaa
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Simba:

Then, they go thru your checking accounts and monitor large deposits. You have to explain sources for each deposit. If it comes from a friend/relative, they require a signed letter to confirm that it is not a loan (no need to pay back).


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Simba
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Truelies:

congrats, kotha illu konnara?



Nope, just ammina. 4 months kritham vere illu konna.
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Simba
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Posted on Friday, August 17, 2012 - 04:21 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Guru:

btw NJ lo good school districts & commute options to NYC untey inka demand baga undi. Last yr a house was listed on thursday..friday they got an offer..saturday open house tharvatha..Sunday morning ki they had 4 offers in hand..finally they went with a buyer who offered 15k more than the asking price. My offer got rejected.



Agree and feel sad at the same time.

Edison lo 10 year old 2600 sft house was listed for $550k. Multiple offers icchi final ga $565K evaro desi konnadu. Enduku? Edison lo school baguntayi. That is just Middlesex county. Mottham NJ lo Edison school is not even in Top 50 list. If you move to different county, there are much better (newer) home and cheaper. But, desi mentality entante... enchakka edison lo "mana" valla madhya undi, oak tree lo food thini, movies chooste chaalu. They are just stuck to group-thinking.
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Truelies
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Simba:




congrats, kotha illu konnara?
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Guru
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full time and savings acct untey veesey ga isthannaru loans..mine was approved without any issues.

btw NJ lo good school districts & commute options to NYC untey inka demand baga undi. Last yr a house was listed on thursday..friday they got an offer..saturday open house tharvatha..Sunday morning ki they had 4 offers in hand..finally they went with a buyer who offered 15k more than the asking price. My offer got rejected.
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Khandada
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btw, congrats simban
mortgage lending chaala tight sesaar...with added headache for non USC/GC
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Maverick
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paycheck 30 day window of closing was a big hasle for me as consulting always runs behind(most of the cases) special payrol run cheyyalsi vacchindi..and explaining transactions is also a pain..anything coming in >3k-4k gets flagged and need to explain..one thing i dont undertand with these guys is

say your 20% down is 50k...and u have funds upto 70K..out of which only 3K is coming from other account. what is the need to verify that 3K when there is a straight 67K which is more than the downpayment?
Who is this DB member?
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Khandada
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yo bunty
manchi listing open house kee potha ganta lo 15 parties vassar...andulo 10 desi :P
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Siloan
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Posted on Friday, August 17, 2012 - 04:04 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

humpesh 700k ki trying anta...soooddari
http://www.youtube.com/watch?v=KOgzdZqNtKQ&feature=player_embedded
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Simba
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Starts with credit checks, Employment verification. Property appraisal chesi, adhi market rate lo undha ledha ani confirm chestaru.

Asking for down payment of about 15-20%. Then, they go thru your checking accounts and monitor large deposits. You have to explain sources for each deposit. If it comes from a friend/relative, they require a signed letter to confirm that it is not a loan (no need to pay back).

Ee sodhi antha ayye sariki oka nela paduthundi. Cedit checks expire ayyayi ani malli chestaru. Day before closing, job undha oodindha ani malli checks.

Anni correct ga unnodiki no problem. Lekapote, peddha headache...
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Maverick
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simba nakanta verification anipinchaledu..credit/salary/residency checks common ee kada..i dont know about bigger loan scenario >500k
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Jodhaa
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Simba:

Oka level lo checks, verifications chestunnaru.


elaanti verification untunnaaye these days?
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Simba
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Thanks guys.

Eyala repu mortgage ravatam kante fresh ga H1B visa ravatam easy. Oka level lo checks, verifications chestunnaru. OKa 5 years kritham entha easy ga loans dorikevo, ippudu antha diffult ga undhi.
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Bunty717
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Khandada:

market lo ma alanti despo buyers unnar.




idi chaala chinna %.. major shopping antaa.. by july ayipotaadi.. malli march
aprl nunchi start chestaaru
andariki golden heart PK telusu.. naaku KF telusu..
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Kish
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Simba:



|| || PK || JP || MODI || CBN || SACHIN || JDLN ||
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Bunty717
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2012 lo simban vunkul.. alladinchestunnadu..
andariki golden heart PK telusu.. naaku KF telusu..
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Khandada
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Posted on Friday, August 17, 2012 - 03:43 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

//Inka late ayite, schools start avuthayi, sales chala padipotayi.//

market lo ma alanti despo buyers unnar...if all is well demand is still there
Humpty Dumpty sat on a wall,Humpty Dumpty had a great fall
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Jodhaa
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Simba:


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Simba
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Post Number: 6907
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Posted From: 24.188.108.251

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Posted on Friday, August 17, 2012 - 03:36 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Bunty717:



yeah.. I had to come down about $15K from asking price. Inka late ayite, schools start avuthayi, sales chala padipotayi. Inka next spring varaku empty ga unchatam kante, entho kontha ku ammatam better.
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Bunty717
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Username: Bunty717

Post Number: 28652
Registered: 02-2008

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Posted on Friday, August 17, 2012 - 03:33 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Apl lo listing .. Aug lo closing ante fast gaane move ayindi kada
vunkul..
andariki golden heart PK telusu.. naaku KF telusu..
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Simba
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Username: Simba

Post Number: 6905
Registered: 02-2008
Posted From: 24.188.108.251

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Posted on Friday, August 17, 2012 - 03:33 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Last year listing chesi, teesesaa. Double move ante kastam ani. Malli ee year April lo list chesaa.. found this buyer in June but loan processing, paper work ayye sariki August vacchindi.
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Bunty717
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Username: Bunty717

Post Number: 28651
Registered: 02-2008

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Posted on Friday, August 17, 2012 - 03:31 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

enni days attindi ammadaniki..
andariki golden heart PK telusu.. naaku KF telusu..
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Thelegend
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Username: Thelegend

Post Number: 18416
Registered: 04-2008

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Posted on Friday, August 17, 2012 - 03:30 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Simba:

Ee market lo ammatam antha easy kaadu. I was able to sell with little profit


good fo you, kwangratz
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Simba
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Username: Simba

Post Number: 6903
Registered: 02-2008
Posted From: 24.188.108.251

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Posted on Friday, August 17, 2012 - 03:27 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Final ga, naa paatha illu ammesaa. Just back from closing. Ee market lo ammatam antha easy kaadu. I was able to sell with little profit. That's a big burden off the chest.

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