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I was just looking at this insurance too. The minimum deductible they provided me is 15% of the assessed value, not the market value, for one thing. For me I would be paying almost $1,000 a year to enjoy a ridiculous $93,000 deductible. If I try to picture what $93,000 of damage would look...

I should have done this earlier, but I want to say thanks to SGIP for all his help in my recent home purchase. The TalkIrvine board was a daily site for me for awhile (as was IHB) as I lurked and learned (and eventually posted) from the many educated, street-smart, talented, witty and HONEST...

I should have done this earlier, but I want to say thanks to SGIP for all his help in my recent home purchase. The TalkIrvine board was a daily site for me for awhile (as was IHB) as I lurked and learned (and eventually posted) from the many educated, street-smart, talented, witty and HONEST...

ROFL.  :P

My wife and I looked at a home there that was on Weeping Willow (I believe) and the upside was that the Santa Ana River Trail (SART) was outside my front door (I'm a cyclist), while the downside was that the Santa Ana River trail was right outside my front door. I was always on the SART when I...

A Tale of Warning on Home Filtration Systems... I had a highly-rated plumber from Angie's List come in to do some repairs and he asked if their "whole house water filtration" guy could come visit. I was in a good mood so I let him, since I had no education on these systems I figured I would see...

Not that I want to give free advertising to TIC...but as a sample of market conditions, please see the attached. Just got it in the mail today. "Free Appliance Package" in San Carlos and "We have a lease-break solution!"

You may be right. My agent asked me if there was another heater in the home, which I said yes. If that translates into "one is enough" then maybe there is no legal issue. If that translates into "is that single heater connected to the vents for every 'living area' in the house" which no it...

I made a very aggressive offer on a house and they took it with an 'as-is' caveat. I had a full inspection done and lots of items were found, but nothing major and nothing immediate. All stuff I can live with and knock out over time. Except for one thing. When they made the 'as-is' comment it...

So I am seriously considering an older house on a hill (fairly steep) and I might be going overboard with the home inspectors... It was built in 1989 and has been kept up, at least on the inside and the outside surface. There might be some history of termites. I want to get a termite...

There are very few episodes where they tell how much it would have cost for a homeowner to do all of the repairs that Holmes did, but there was one where I would not have been surprised if they made no money on that episode. It was a duplex I think, and it was turn-key, very modern...

I saw a recommendation for Bilt-Rite on another post here, but if anyone has anyone else or anything else to add, that would be great. Of course, I am a bit more concerned now that I have become a Holmes Inspection junkie on TV. We are looking at some older properties, from the 70's and 80's...

Can anyone recommend any banks that would be competitive against BofA taking into consideration what everyone knows from this thread? I want to get a few more quotes and BofA was only a litmus test. Are smaller regional banks better or should I stick with the big kids? Is anyone against using...

Unless I missed it, the loan amount and down payment amount is missing. That really matters in knowing how the rate and fees are calculated. I'm assuming in the response below that the down then is 20% and the loan amount is greater than $417,000. The down is 3.5% and the loan amount "out of...

1. What is the Loan-to-Value (LTV) that this rate is for? Since I want to put down as little as possible, the LTV would be 96.5%. I could put down more if I needed to, but again, concerned about putting any more cash in a house than absolutely needed since I can make more with the cash...

We are still waiting a bit longer (been saying that for six years now) but I thought I would get a feel for what we would qualify for by going through the pre-approval process with a bank. I picked Bank of America just to see what your standard big bank would say so I can compare it to other...

I'm in. Where's the link to the IHB Defense Fund? If the Bank Implode-o-Meter could raise money for their defense, I am sure IHB can. What a lame lawsuit. I hope it attracts a lot of attention and people who aren't aware yet about used car home salesmen and get to read all the comments from...

I'd be an FCB if I could just convince my wife to eBay all her shoes  ;) Speaking of FCB...they are all moved in now just next to me. So weird. Less than two months ago I'm sipping coffee on my balcony watching them put tiles on the roof and putting the plaster on the walls. Now there are...

I don't move for a few reasons. I sorta feel I need to explain why I have not moved via buying as well, so this is longer than it should be. The first is that I'm an expert renter. I've been throwing my money down a rental rat hole since 1992 when I moved here at 19. It wasn't until I started...

Low income housing. Not a fan, economically or personally. I do commend Irvine's efforts for taking on the communist state of California's continued efforts at social engineering. What's next? No toys in our Happy Meals? Oh wait... LIH shouldn't be up to the State. It should be up to each...