I got like 10 pages into that ignorance and had to stop, why waste so much time talking crap back and forth over something as stupid as badges on a car?

 

dude I think its pretty hilarous how much crap these people actually talk, im on page 17, gonna try and finish it today in my philosophy class

 

Lmao Morning BTW, it may give me something to do today at work...hmm might have to give it another go. Also Ricky you werent kidding about the premier section theres bewbs EVERYWHERE. Im scared to even go in that section while im logged in at work lol.

 

Good morning.

 

When I was premier I never looked at

 

lol your missing out bud ^

 

^ lol

So no one here has any home loan experience? my credit union quoted me 5% down and 4.25% apr.... anyone know of anything better?

 

Really depends on your credit. 4.25 is a good rate but you can do better with great credit or larger down payment. Or go with ARM or even 15 year mortgage for a better rate.

 

I'm right under the "excellent" marker, I had a lender tell me that he can bump my score up by 10 points in 5-6 days which is interesting, I had never heard of that before... Another bank quoted me 3.8-4.25%. My credit union quoted me 4% with 10% down or 4.25% with 5% down...

Down payment is more important to me than APR, the difference between 3.8% and 4.25% is only $20/mo...

 

Ikea is addicting. So cheap!!! Once I buy this house I'm going to remodel the kitchen and bathrooms, which won't be for a few months but I can't help shopping right now

 

^women

 

It's crazy. $15 bar stools... $39.99 for 8' x 2' kitchen countertops ... $20 faucet, $30 sink...

 

Lol your sounding like my mom

 

Veronica. Those are all pretty good rates that you were quoted. I would stay away from the ARM an stick with the fixed. It does pay off to have good credit an 5% down is good also. Go get your house and enjoy. I think it's a great time for the buyers and people looking to step into owning their own home. Rates are pretty low.

 

If i was making like 60 right now id go buy one as stated nows the time to buy!