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  1. Brownells Cancelled .22 Ammo Order Two Years Later

    You mean this 22LR? LOL It was $99 for 2000 rounds, I ordered 3, I would have been surprised if it ever shipped. A while ago now, you ordered some ammunition and/or reloading components - as shown on the orders listed below. At that time, you received a backorder notice alerting you that the...

  2. Shopping for a Mortgage Co?

    Thank you Sir, I appreciate the kind words. :cool:

  3. Housing Market

    The Lender I work for offers "Home Scouting" exclusively in Atlanta at no charge to our clients. You can search the same listings MLS offers as well as homes that have sold in your area, set up alerts etc.. It is a great tool if you want to see what the market is doing in your area. If you...

  4. Housing Market

    This is so true. I've had a few clients over the past few months that got a reasonable offer one their home only to have the home inspection done and the buyer comes back with a lowball offer due to repairs. From what I've seen, it's a common strategy that's used in the investor world.
  5.

    Item Gone: FS AR 15

    Gone
  6.

    Item Gone: FS AR 15

    Thanks, it's not a DD but it would be a great 1st AR for someone that needs one and doesn't have DD money :)
  7.

    Item Gone: FS AR 15

    PM replied
  8.

    Item Gone: FS AR 15

    Item Name: FS AR 15 Location: Gwinnett Zip Code: 30096 Item is for: Sale Only Sale Price: $560 OBRO Caliber: 5.56 Willing to Ship: No Bill of Sale Required?: NO - see below Item Description: AR15 5.56 GA Precision Lower with forward asst and dust cover, unknown upper. New PSA SOCOM midlength...

  9. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    USDA doesn't have PMI but they do have a guaranty fee that's like PMI, it's now .50% of the loan amount, used to be .40%. If you had a really old USDA loan you may not have that but 2010 I believe they had the guaranty fee. Depending on your rate and balance there may be something you can do...

  10. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    I misread the post, you should be fine.

  11. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    Glad I can help, the ODT has always been a great place and I finally have something to contribute. PM me your balance and I'll tell you how much to pay bi-weekly to pay your home off in 72 months. Bi-weekly's do accelerate the principle reduction but they won't turn a standard 7/1 ARM into a 7...

  12. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    Welcome to the new world of mortgage lending. Don't feel bad, if you were making $50,000 per month, putting down 50%, had $200,000 in your checking account after closing and an 825 score we would still get everything you had to provide. Fed's put some stiff rules in place for lenders due to all...

  13. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    A good rule of thumb is this. If you can save .50% for free go for it, if you can save 1.5% or more with some costs go for it, if you can save 2% of more even with standard costs go for it. My test is if you can get back whatever costs incurred within 24 or so months. If it takes 3+ years to...

  14. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    Ken, There are 2 things to consider. If you refinance without cost it won't hurt you equitywise but that depends on if you are going to keep the house or sell it and when you are going to sell it. If you are going to sell it and you can refinance for free then go for it. If you are not going...

  15. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    Rural is not the issue as much as unique properties. I recently financed a cabin in Polk county with 10 acres, a pool, a pond and a separate 3 car garage. The appraiser was able to find comparables within a reasonable distance so it worked out. If there weren't any comps it never would have...

  16. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    I'm with you on this. Unfortunately a lot of abuse is on FHA and VA loans because the people trust what they are told. I work for a lender that has given away 26 mortgage free homes to veterans over the past 2 years, we have a companywide charity to help Vets, Sean Parnell is a spokesperson...

  17. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    I'm about to head home, if I missed anything or anyone please let me know. I'm working some tomorrow.

  18. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    BINGO you are 100% right, any time you are extending your term you are backing up. But there are a lot of ways to skin a cat. For example, someone with a lot of Credit Card debt, I could show you how extending your term could allow you get you out of debt (no not by including the credit cards...

  19. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    Steep is relative. We used to be able to say closing costs are 3% or 2.5% or 1.75% but it's different now. It depends on how much you are borrowering and the sales price. There are certain fees that are not loan amount related, fees that are the same whether you are borrowering $100,000 or...

  20. Mortgage people - whats the deal with these new mortgage insurance rules and offers??

    Chase and Wells both did this several years ago. When the rates kept going down runoff was a HUGE problem for servicers and investors. Refinancing your servicing portfolio used to be a HUGE NO NO in the industry but over time it's become more common. Better to have loans that payoff and get...
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