Anybody with Reverse Mortgage experience?
Roberta_z5
17 years ago
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quiltglo
17 years agolast modified: 9 years agoRelated Discussions
Anybody have experience with Sharkbite connectors?
Comments (49)We had a plumber come out to give an estimate to fix a leaky toilette and a leak in a basement ceiling. He wanted $1,100 to fix two leaks with the toilette being about $400. I did get some lower offers for about $300 to $400, but even at that, I have several more things to fix and at that rate it was going to be pretty costly. And I've read some other people's here and their prices are pretty high. Like $180 for ONE outdoor faucet. Before trying shark bite, or gator bites, I taught my self to weld pipes with a torch and solder etc. I did a couple and was pretty proud of it and saved like $400 for a water heater pipe repair. The reason I didn't try the shark bite at that point is that I couldn't find them near by so tried using the torch that time a year back or so. But now this week I noticed shark and gator bites at Lowes and Home Depot and decided to try them out. I had to go to both stores since some parts were sold out. I used it to replace the outdoor faucet with a washerless, ball faucet in the front of the house And was amazed. IT WORKED! And even though I knew how to use a torch, felt like it was easier. Besides I would have had to put something flame retardant in the basement to weld because there are wooden beams there. Or at least spray with water. But now I didn't even have to worry about it. I only had to cut the pipe in the basement, and use a gator bite coupling and push the two pipes together. Then I did the same for the faucet by screwing it onto a shark bite part and then pushing it onto the pipe. It was easy. I was worried about it leaking, but I've checked and no leaks. Not even a drip. Nothing. It sealed perfectly. Now tomorrow, I am going to replace the other out door faucet on the back of the house. No more miserable, leaking 20 year old faucet. And now I have 3 or 4 more repairs I've been putting off all lined up. Over all, I like Shark Bites. You can also get Gator Bites at Lowes or other places....See MoreMortgage Broker WOES...we are going to lose our dreamhouse!
Comments (18)Loan players are as follows: Broker: A person that has access to a network of lenders...some private, some banks, some have actual money themselves. They are the "sales people" in the equation usually. Loan officer: Usually the term for a broker-type, but they work directly at a given lender. Sometimes is used interchangeably with broker. Processor: The person that works with the broker/LO and the client to get all the necessary paperwork together. Essentially gets everything "packaged" into a folder to present to.... Underwriting: Underwriters are the final go-ahead people on the broker/LO end. They make sure the loan meets all the requirements set forth by the given investor. I.e. if the broker has you plugged into Acme corps "whiz-bang no money down option loan" then the Underwriter makes sure that all the requirements are actually met. If they don't, they return it to the processor to get missing information. If it's a case of you not meeting the requirements at all, then they kick it out permanently. This is called "falling out in underwriting." Even if you fall out then, a broker will try to find other programs that you might qualify for. Generally, the more lenient (the fewer requirements for you to meet), the greater the risk to the lender, so the higher the fees and interest rate. I have a handful of our closest friends that work in each of these positions and I can tell you that the lines and job descriptions are far from standard. At some places, the processor is just a clerk. At others, processors basically do the processor and underwriter job. Also, even though an underwriter may underwrite a loan (say "this candidate is good to go for that program) the loan can still fall out with the investor's side for a number of reasons. Obviously if you're dealing with a direct lender, when it meets underwriting, then it's done because they actually lend you the money. aiki...See MoreHis name is on the mortgage...and I want him out
Comments (47)Maybe I will change my mind in the future, but for now I will move forward with the "what's mine is mine, what's yours is yours" attitude. There are NO garantees in life. I never want to be legally bound to anyone ever again...by marriage, real estate or otherwise. My current husband was the same way. He never wanted to marry again. Eventually, when the hurt wears off you too may change your mind. These days, to even last 10 years is against the odds. A lot can happen in 10 years, people change, married or not. Hopefully, you won't lose a lot & hopefully you can recover from this financially. Hi, OP here. My apologies. ItÂs my fault the topic diverted. I honestly did not mean for this topic to go the way it has. Waking up this morning and reading the latest input, taking in everyone's views on marriage / non marriage. There is a lot of great feedback. No one knows what happened with your relationship, hopefully not being married will be to your advantage. I am 3 times married myself, 1st time too young, 2nd too blind, 3rd much older & wiser. I've seen a lot in my 40 years, people change whether you have that piece of paper or not. Trying to work through things depends on what the situation is. Should I have tried to work out marriage 1? No. Marriage 2 - staying wasn't an option - verbal abuse turned to physical abuse. Currently 8 years that I'm with my husband. He's a good guy, more so then my other choices. He has his moments, some how we've worked through some really rough times. It wasn't that piece of paper that made me stay, being disabled & having no income has made me stick it out. After almost divorcing a few times we're doing really well. It isn't at all clear to me how the OP would be in a better position if she and the BF had married. If anything, their finances would be even more entangled. I have to agree. Divorce #2 for me was costly. Doing a google of Connecticut divorce law, it may be to the OP's benefit that she was not married... Division of Marital Property - Connecticut is referred to as an "all property equitable distribution state." In Connecticut, the Court has the power to "assign to either the husband or wife all or any part of the estate of the other." Conn. Gen. Stats. § 46b-81. Any property, therefore, regardless of when or how acquired, can be re-distributed by the Court. Conn doesn't recognize common law, so that's a plus. I'm interested to hear what the attorney says. Here is a link that might be useful: Connecticut Divorce...See MoreOur buyers need more time to get a mortgage committment
Comments (54)I merely mistyped on first posting you quoted, Summers. Complete accident ( I was probably interrupted and failed to read back). I use a broker to LIST only (so to sell, not buy). I do buy direct, and my second post is accurate. My listings are indeed short. Again, why obligate myself to someone for a long period of time, and of course, if we are in a transaction when the listing ends or if the broker was the procuring cause, I am on the hook anyway. So there is no reason to enter long listings or equivalently, enter long relationships with Buyer brokers. You can always renew. That was the point of that post in which you caught my inadvertent use of the wrong word. My error, and I can see how that caused confusion. I apologize for stating the word "buying" when I meant "listing". I have one user name only, by the way. That said, I stand by what I said in this post regarding the strange delays. And I do hope it works out for this poster....See MoreChemocurl zn5b/6a Indiana
17 years agolast modified: 9 years agojannie
17 years agolast modified: 9 years agopamghatten
17 years agolast modified: 9 years agojoyfulguy
15 years agolast modified: 9 years agoemma
10 years agolast modified: 9 years agojoyfulguy
10 years agolast modified: 9 years ago
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