Recent Posts

Pages: 1 [2] 3 4 ... 10
11
Owner's Issues / HOA Board of Directors salary?
« Last post by doomsday on Yesterday at 09:16:03 PM »
I am a resident of the Stonegate. Today I received a memo from my neighborhood association saying the election of director failed due to a lack of quorum so the board appointed a person that was up for election as the director. Apparently not that many people were interested in being a HOA director. But don't they get compensated for that? If so how much?

12
Owner's Issues / Re: Garage Cabinets
« Last post by eyephone on Yesterday at 08:59:10 PM »
Sorry, had trouble posting the pics.

Thanks for posting. I like the cabinets, but not the color.
13
City Hall / Re: City Election 2014
« Last post by eyephone on Yesterday at 08:57:42 PM »
I don't believe in that slow growth argument. But I do think the $200 or $205 million question is more important. Where did the money go? (Show me the money/invoices)
14
Owner's Issues / Re: Garage Cabinets
« Last post by shadyoc on Yesterday at 08:54:21 PM »
Do they have a showroom?  I was under the impression that Premier Garage does not.  Its hard to determine the quality vs someone who has a showroom.  You're taking a chance on something designed on a software program.  Do you guys know if they build it onsite or is it prebuilt, delivered and then installed?

Anyone have pics of closets done by them?
15
City Hall / Re: City Election 2014
« Last post by test on Yesterday at 08:40:14 PM »

16
Irvine Real Estate / Re: Mortgage rate shopping advice
« Last post by thezeb00 on Yesterday at 07:00:24 PM »
Thanks, u answer one time, no need to reply to both lol
17
Irvine Real Estate / Re: Mortgage rate shopping advice
« Last post by eyephone on Yesterday at 06:53:04 PM »
I think you posted twice.
18
Irvine Real Estate / Mortgage rate shopping advice
« Last post by thezeb00 on Yesterday at 06:24:24 PM »
looking for rate shopping, does it hurt your score if multiple people pull your report? Any personal experience or advice? As per this source if you shop within 14 days it shouldn't impact your score. Thanks in advance

....,,,,,,,,,,,,
The first important concept is that -- unlike applying for multiple credit cards -- when you apply multiple mortgages, you won't get dinged for multiple, consumer-initiated inquiries. This is because when you apply for 5 credit cards, you'll likely get the option to use them all five.

By contrast, with the mortgage applications, you'll only get an approval once.

As such, the credit bureaus have made it formal policy to permit "rate shopping". In fact, it's encouraged. And this leads us to the second important FICO-protecting concept.

You have the right to shop with as many lenders as you like. The trick, though, is to shop for your mortgage within a limited, 14-day time frame. If you can manage that, the credit bureaus will acknowledge your first credit pull as a "ding", but will ignore each subsequent check.

This means that you can have your credit checked by an unlimited number of lenders within a 2-week period, enabling you to compare mortgage rates and fees ad nauseum.  And, no matter how many credit checks you do, the mortgage inquiries get lumped into a single credit score hit.
19
looking for rate shopping, does it hurt your score if multiple people pull your report? Any personal experience or advice? As per this source if you shop within 14 days it shouldn't impact your score. Thanks in advance

....,,,,,,,,,,,,
The first important concept is that -- unlike applying for multiple credit cards -- when you apply multiple mortgages, you won't get dinged for multiple, consumer-initiated inquiries. This is because when you apply for 5 credit cards, you'll likely get the option to use them all five.

By contrast, with the mortgage applications, you'll only get an approval once.

As such, the credit bureaus have made it formal policy to permit "rate shopping". In fact, it's encouraged. And this leads us to the second important FICO-protecting concept.

You have the right to shop with as many lenders as you like. The trick, though, is to shop for your mortgage within a limited, 14-day time frame. If you can manage that, the credit bureaus will acknowledge your first credit pull as a "ding", but will ignore each subsequent check.

This means that you can have your credit checked by an unlimited number of lenders within a 2-week period, enabling you to compare mortgage rates and fees ad nauseum.  And, no matter how many credit checks you do, the mortgage inquiries get lumped into a single credit score hit.
20
Technology / Re: COX GIG
« Last post by eyephone on Yesterday at 06:09:02 PM »
Just because you have a lot of money, doesn't mean you can't live in a ghetto.

#KnowYourGhettoism :)

He lives in Tustinranchhillsestates  ;)
Pages: 1 [2] 3 4 ... 10

Talk Irvine Links

[Recent Posts]
[FAQ / Rules]

Site Supporters




Related Links

Recent Posts

Re: HOA Board of Directors salary? by aquabliss
[Yesterday at 10:39:46 PM]


Re: Garage Cabinets by aquabliss
[Yesterday at 10:35:32 PM]


Re: Gardener referral and rate by Maserson
[Yesterday at 10:30:41 PM]


Re: HOA Board of Directors salary? by qwerty
[Yesterday at 10:01:17 PM]


Re: Non-disclosure claims / real estate litigation by cutandtie
[Yesterday at 09:58:20 PM]