NWI INGO General Post - Part 8

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    jedi

    Da PinkFather
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    Oct 27, 2008
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    Remember thugs and rednecks tomorrow...
    12254892-the-day-xp-dies.jpg
     

    xfrostybeersx

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    Dec 26, 2011
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    May as well get another post in before the mods close this one. :) some lenders take forever to send out an appraiser. Just waiting on thst so we can close on the houses.
     

    jedi

    Da PinkFather
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    51   0   0
    Oct 27, 2008
    38,337
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    NWI, North of US-30
    We told you to stop looking at ginger porn but nnnnnoooooo you would not listen.

    My xp rig is fine and will remain so for some time to come.
    Come on win 9 I'm waiting for you.
    Granted i will probably get a win7 budget pc later this year
     

    RyanGSams

    Sharpshooter
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    Jan 10, 2013
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    May as well get another post in before the mods close this one. :) some lenders take forever to send out an appraiser. Just waiting on thst so we can close on the houses.

    Still waiting for my appraisal as well. Just found out today after putting an offer in about a month ago, that the house is in a flood zone...Will be about 800/year so not a real deal breaker. Hopefully closing in 2 weeks.
     

    t_star

    Master
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    Sep 8, 2011
    2,037
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    :xmad: :xmad: :xmad:
    So I get an email from Chase saying my account is overdrawn. WTF?!?!! I called them, and less then fifteen minutes later, that debit card is cancelled, fraudulent charts are being reversed. I pick up my new card tomorrow.

    Super weird how this was just brought up here the other day.
     

    xfrostybeersx

    Master
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    Dec 26, 2011
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    Still waiting for my appraisal as well. Just found out today after putting an offer in about a month ago, that the house is in a flood zone...Will be about 800/year so not a real deal breaker. Hopefully closing in 2 weeks.

    We declined an appraisal on our new house (wasnt needed & save $410.00) but the buyers of my house will more than likely need one due to their FHA loan. I just wanna get the ball rolling
     

    danmdevries

    Master
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    18   0   0
    Apr 28, 2009
    1,908
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    Top Left Corner
    The official (bank) appraisal of my house when I bought it valued it at $180,000.

    I haven't a clue how they came to that number, I could list the house for sale at that price today (after doing 50K in work to it) and wouldn't even come close.

    Refinanced last year and the new bank required an appraisal (2.25% on a 10yr mortgage, don't care about a $350 appraisal/inspection) and they valued me at $120k, much more appropriate, but also less than I have in the house now.

    They're worthless.
     

    Ericpwp

    Grandmaster
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    18   0   0
    Jan 14, 2011
    6,753
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    NWI
    The official (bank) appraisal of my house when I bought it valued it at $180,000.

    I haven't a clue how they came to that number, I could list the house for sale at that price today (after doing 50K in work to it) and wouldn't even come close.

    Refinanced last year and the new bank required an appraisal (2.25% on a 10yr mortgage, don't care about a $350 appraisal/inspection) and they valued me at $120k, much more appropriate, but also less than I have in the house now.

    They're worthless.

    It's so they can lend you more money.;)

    I heard a new thing on the radio this weekend, Pre-underwriting. It's a step beyond pre-approval. They vet you deeper before you come to terms with the seller. The reasoning was to even the playing field for the buyers getting a mortgage up against a cash offer. The bank can get you the money quicker making you more appealing to the seller. They didn't say what lenders are doing this though.
     

    melensdad

    Grandmaster
    Rating - 94.7%
    18   1   0
    Apr 2, 2008
    24,384
    77
    Far West Suburban Lowellabama
    :xmad: :xmad: :xmad:
    So I get an email from Chase saying my account is overdrawn. WTF?!?!! I called them, and less then fifteen minutes later, that debit card is cancelled, fraudulent charts are being reversed. I pick up my new card tomorrow.

    Super weird how this was just brought up here the other day.
    CitiBank's Fraud Department called me Monday. Apparently my card was used several times in Mexico, simultaneously in Pennsylvania, and then also in Texas.

    All charges were reversed. My new card will arrive in 4 to 5 days.
     

    KLB

    Grandmaster
    Rating - 100%
    5   0   0
    Sep 12, 2011
    23,953
    77
    Porter County
    CitiBank's Fraud Department called me Monday. Apparently my card was used several times in Mexico, simultaneously in Pennsylvania, and then also in Texas.

    All charges were reversed. My new card will arrive in 4 to 5 days.
    Sounds like maybe Chase was compromised.
     
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