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The Home Ownership Thread - Page 77

post #1141 of 2631
Quote:
Originally Posted by Ataturk View Post

It really annoys me that counter-depth refrigerators cost so much more than the regular ones.

Conne, you should go talk to somebody who sells mortgages. It might make no difference in the rate and closing costs whether you put down 5% or 20%... You will have to pay mortgage insurance, but if house values keep going up you can get rid of it in a couple years.

Also, something I'm considering: putting 5% down, using the extra cash to finish a basement etc, should improve the LTV sufficiently to drop the PMI.
post #1142 of 2631
I put down 5 on a conventional.
post #1143 of 2631
Thread Starter 
Appliance purchases in general are a huge PITA. You make a decision, it's an expensive one, information is usually fairly limited, and then you live with it for a long time.

I have a top-loading HE washer, Whirlpool Cabrio, we have had a good time with it so far but I don't really have a point of comparison with front-loaders. I have heard of the odor issue and it sort of scared me off.
post #1144 of 2631
I've literally never had the smell problem with my front loader, but then we've always known about leaving the door cracked open. I also habitually wipe the inside of the door and seal with a rag.

I've also heard using a full-on hot wash from time to time prevents gunk from building up in the drum. Mine was super clean when I took it apart. Here's a picture of the inside of the rear drum. You can see the rusted bearing that was causing the noise and a little bit of gunk in the deepest recesses of the drum.

post #1145 of 2631
Quote:
Originally Posted by RedLantern View Post

Also, something I'm considering: putting 5% down, using the extra cash to finish a basement etc, should improve the LTV sufficiently to drop the PMI.

You might want to check into seeing if there are any sort of minimum time periods between initial appraisal and acquisition and new appraisal and revaluing for the sake of your mortgage. I would not be surprised if there's some exclusionary time period, probably 1-5 years, where you cannot reset your LTV.
post #1146 of 2631
I think it's two years, but check on that before you make your plans.
post #1147 of 2631
Scheduled to close on a place in a month - need an outdoor dining set. Thinking to go with a relatively simple teak set. Thoughts?
post #1148 of 2631
I'm in bankview so I'm good here. Just really sad to see the destruction. I'm a teacher and some of my kids have been displaced, they don't have much and it's such a shame to see them get the few possessions that they have already destroyed.
Quote:
Originally Posted by imschatz View Post

Man, that's tough .. where you evacuated? Up until October, I was living at 4th st and 15 ave sw .. Definitely would have been evacuated, and my basement apartment likely flooded.

It's great to see the water receding so quickly though. Was out on the Deerfoot yesterday, and it still looked like a warzone, but this morning - water levels in some spots have dropped 4-5 feet.
post #1149 of 2631
Quote:
Originally Posted by Piobaire View Post

You might want to check into seeing if there are any sort of minimum time periods between initial appraisal and acquisition and new appraisal and revaluing for the sake of your mortgage. I would not be surprised if there's some exclusionary time period, probably 1-5 years, where you cannot reset your LTV.

Quote:
Originally Posted by Ataturk View Post

I think it's two years, but check on that before you make your plans.

Thanks, fellas, will do.
post #1150 of 2631
Quote:
Originally Posted by JohnGalt View Post

Scheduled to close on a place in a month - need an outdoor dining set. Thinking to go with a relatively simple teak set. Thoughts?

I've had teak outdoor furniture for years and love it. I had an inexpensive table I picked up at Cost Plus that lasted 15 years. It might have lasted a lot longer except it was damaged in a storm. I've also had heavier teak furniture from France and from a local guy who designs and imports it himself from SE Asia. We leave it outside year-round and never cover it. It turns gray fairly quickly. About once a year I take some fine sand paper and smooth out the seating areas and the table tops. There can be a slight amount of swelling and it prevents snags on loose knit fabrics.
post #1151 of 2631
Thread Starter 
Turk, wondering how that bearing got so rusted. That would suggest a leak somewhere, would it not?

I'd keep an eye on the washer if I were you. Bearing retention in a concentricity-sensitive application is a difficult issue, and I bet its at least part of the reason the mfg was hesitant to do or warrant the repair. Trust me, bearings, bearing retention bores, concentricity, and bearing noise in long-term applications is something I do every. single. day.
post #1152 of 2631
Quote:
Originally Posted by pocketsquareguy View Post

I've had teak outdoor furniture for years and love it. I had an inexpensive table I picked up at Cost Plus that lasted 15 years. It might have lasted a lot longer except it was damaged in a storm. I've also had heavier teak furniture from France and from a local guy who designs and imports it himself from SE Asia. We leave it outside year-round and never cover it. It turns gray fairly quickly. About once a year I take some fine sand paper and smooth out the seating areas and the table tops. There can be a slight amount of swelling and it prevents snags on loose knit fabrics.

Did you oil it at all? I've read to oil once a year or so.
post #1153 of 2631
Quote:
Originally Posted by Piobaire View Post

You might want to check into seeing if there are any sort of minimum time periods between initial appraisal and acquisition and new appraisal and revaluing for the sake of your mortgage. I would not be surprised if there's some exclusionary time period, probably 1-5 years, where you cannot reset your LTV.

my thoughts exactly. Even in a high appreciative market, a lot of times banks will make you re-use the initial appraisal if its within a certain time frame. Friends bought a condo under value, cleaned it up, then had to sell for a job transfer. They were having problems selling it as everyone agreed based on the changes and the market it was worth a lot more than they paid, but the banks were sticking with their original appraisal and were making it hard to sell.
post #1154 of 2631
My credit union offers no PMI regardless of down payment... so there's that...
post #1155 of 2631
Quote:
Originally Posted by VLSI View Post

My credit union offers no PMI regardless of down payment... so there's that...

Hmmm, good to know! I'll start looking into CU for financing options . . .
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