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hummy
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#801
Old 02-05-2018, 03:20 PM


But of course.
And I can say I knew BSW WHEN...

bloodstainedwings
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#802
Old 02-05-2018, 07:59 PM

lol too true. you support me in so many ways. i am happy and grateful to have a friend like you.

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#803
Old 02-05-2018, 08:45 PM


I try my best i'm blessed to have you as my friend, too

bloodstainedwings
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#804
Old 02-05-2018, 08:54 PM

oh hummy, i wanted to let you know, we got pre approved for a mortgage! so fingers crossed, we might be buying a house soon! well probably a condo... we are hoping for a townhouse condo with low fees in our city. but still! its a step in the right direction! and im so happy!

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#805
Old 02-05-2018, 08:55 PM


oh congratulations! I will keep you both in my prayers.
I do love when good things happen for good people

bloodstainedwings
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#806
Old 02-06-2018, 01:12 AM

thank you so much! <3

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#807
Old 02-06-2018, 01:38 AM

Congrats, BSW!! :D
That's HUGE news!

bloodstainedwings
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#808
Old 02-06-2018, 11:25 AM

thanks ava!!! im scared... and excited.

hummy
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#809
Old 02-06-2018, 08:49 PM


Just make sure you read everything thoroughly and if you don't understand it ask a question. The only thing that I can think of to pass on would be make sure that your loan is for a 30-year loan and not an ARM loan because those loans change with the rate changes. And it's looking like we're going to have two or three more rate hikes this year. So it's a good time to buy a house actually before the rate start going up. And I think anything between 3.8% and 4% APR is a good rate

bloodstainedwings
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#810
Old 02-07-2018, 11:29 AM

thanks hummy.

hummy
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#811
Old 02-07-2018, 06:29 PM


you're very welcome

bloodstainedwings
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#812
Old 02-07-2018, 09:52 PM

we have picked a guy named Mike. and now we just have to wait to find the right place

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#813
Old 02-07-2018, 11:02 PM


Is he your realtor

bloodstainedwings
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#814
Old 02-08-2018, 11:30 AM

yes. we are at step 2: pick your realtor.

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#815
Old 02-08-2018, 03:43 PM


make sure you check out how he has treated his clients =3
hope y'all picked a good one and don't be shy to change
if he doesn't meet your needs/wishes, good luck!

bloodstainedwings
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#816
Old 02-09-2018, 01:38 AM

thanks hummy.

hummy
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#817
Old 02-09-2018, 02:05 PM


Any places to go see yet?

bloodstainedwings
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#818
Old 02-10-2018, 11:22 PM

maybe. we are trying to take is slow.

hummy
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#819
Old 02-11-2018, 03:32 AM


How are your interest rates

Nephila
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#820
Old 02-18-2018, 12:05 PM

That's weird I was just talking to my nephew about this the other day. He's one of those people that thinks "I'll just go with the same bank as mum without researching" Oh boy! XD

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#821
Old 02-18-2018, 02:16 PM


What are Canada's interest rates?

Nephila
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#822
Old 02-18-2018, 04:29 PM

Depends on your bank and what you owe and if you've had to make deals to get out of trouble. :)
Probably roughly around the same as you guys.

My credit card is 12.3% (I've never had to pay the interest cuz I'm a nut about paying it right away. Eff free money for faceless company's)
My savings is about 5.4% with a high interest. (However I have to keep a high minimum to receive it at the end of the year)

hummy
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#823
Old 02-18-2018, 08:27 PM


It depends on your gender? Seriously? I thought your dad was all about the everybody's equal. Anyway I was wondering about a home mortgage loan what that interest rate was if you are a girl

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#824
Old 02-19-2018, 04:16 AM

It depends on your gender what?

hummy
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#825
Old 02-19-2018, 04:19 AM


I totally read that sentence wrong. I know I was way overtired. I think it said something about guys in it and I thought you said it depends on your gender. That was a sweet little show of telephone game right there. My apologies.

 


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