If you've never closed on a house before... - Wargaming Forum and Wargamer Forums
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post #1 of 14 (permalink) Old 03-27-12, 08:02 PM Thread Starter
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Default If you've never closed on a house before...

...allow me to be the first to tell you it will make you desire to jam your fist through your bank/loan providers face and out the back of its tight-assed balding little cranium.


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post #2 of 14 (permalink) Old 03-27-12, 08:07 PM
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Brother it could be worse ... trust me. I know. But in the time to come you will see that it is worth it for owning your own home.
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post #3 of 14 (permalink) Old 03-27-12, 09:43 PM
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Done it twice now. I would far rather get whacked in the junk with a 2+4 then do that again.
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post #4 of 14 (permalink) Old 03-27-12, 10:21 PM
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I don't own a house but I don't know that getting pummeled in the sack would be better than closing on one. That just seems harsh...


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post #5 of 14 (permalink) Old 03-27-12, 10:25 PM
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Originally Posted by jonileth View Post
I don't own a house but I don't know that getting pummeled in the sack would be better than closing on one. That just seems harsh...
Considering the fact you have to sign your name to a stack of papers the size of your head, during and after all the other bullshit.... the sack pummeling kinda sounds better on reflection.

The one time I bought a house it took so long because of random crap that:
My wife walked down the block
Selected a washer and dryer
Signed up for a Sears Credit card
Got approved
Set up delivery of the washer and dryer
Got lunch
And came back to me still waiting for them to finish the bullshit that cropped up at the last minute.

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post #6 of 14 (permalink) Old 03-27-12, 10:34 PM
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Considering the fact you have to sign your name to a stack of papers the size of your head, during and after all the other bullshit.... the sack pummeling kinda sounds better on reflection.
Funny, that sounds disturbingly identical to both times I joined the military. Except... I didn't stop signing stacks of paper that meant nothing until I got out. If this is what buying a house demands, I think I got this one whipped!


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post #7 of 14 (permalink) Old 03-27-12, 10:42 PM
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Makes the military paperwork seem like a 1 page survey :-p Course some of that paperwork could have been cause I was using the VA home loan.

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post #8 of 14 (permalink) Old 03-27-12, 10:44 PM
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It's so worth it to have your own place (I bought my first house 2 years ago) but yeah, the process is a giant pain in the arse.


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post #9 of 14 (permalink) Old 03-27-12, 11:07 PM
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I've found it a breeze, but maybe we have the process a bit more trimmed down in Oz. It is kinda what I do for a living as well so maybe I am just used to BS.

I've just last week closed (which I am guessing is what we call settlement?) on my 5th house ands looking forward to the next...... maybe I am ill?

For the record, no I do not enjoy a sac attack with 4 x 2
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post #10 of 14 (permalink) Old 03-28-12, 12:31 AM
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Course it would be easier in Aussie country ... you just buy a small section of land and tow your house there .... he he he

When the War Department and I were looking at getting financed we were curious as to what we could afford for a payment. Now mind you this was about 4 years ago this summer. The first guy we talked to told us that we could afford a $250,000 house with no problem. My jaw hit the floor. I said nothing the rest of the time we were there and at the end of it he asked me if I had any questions. I said no but I had a statement for him. He was perplexed.

I told him that people like him were the reason that this housing market was in a serious state of disrepair, and that we would be going elsewhere for our loan. My only suggestion is to take a serious look at your finances and figure out what you could afford if you had to live on unemployment. If you do that then you are not going to live beyond your means and if your job does go away for some reason then you are not really in jeopardy of losing your house.
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