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hummy
Little birdie ♥
☆ Penpal
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02-05-2018, 03:20 PM
But of course.
And I can say I knew BSW WHEN...
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bloodstainedwings
"avagasm"
☆☆☆☆☆ Moderator
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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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hummy
Little birdie ♥
☆ Penpal
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02-05-2018, 08:45 PM
I try my best i'm blessed to have you as my friend, too
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bloodstainedwings
"avagasm"
☆☆☆☆☆ Moderator
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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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hummy
Little birdie ♥
☆ Penpal
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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 
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bloodstainedwings
"avagasm"
☆☆☆☆☆ Moderator
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02-06-2018, 01:12 AM
thank you so much! <3
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Ava The Vampire
Spooky Action at a Distance
☆☆
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02-06-2018, 01:38 AM
Congrats, BSW!! :D
That's HUGE news!
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bloodstainedwings
"avagasm"
☆☆☆☆☆ Moderator
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02-06-2018, 11:25 AM
thanks ava!!! im scared... and excited.
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hummy
Little birdie ♥
☆ Penpal
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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
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bloodstainedwings
"avagasm"
☆☆☆☆☆ Moderator
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02-07-2018, 11:29 AM
thanks hummy.
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hummy
Little birdie ♥
☆ Penpal
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02-07-2018, 06:29 PM
you're very welcome
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bloodstainedwings
"avagasm"
☆☆☆☆☆ Moderator
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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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hummy
Little birdie ♥
☆ Penpal
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02-07-2018, 11:02 PM
Is he your realtor
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bloodstainedwings
"avagasm"
☆☆☆☆☆ Moderator
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02-08-2018, 11:30 AM
yes. we are at step 2: pick your realtor.
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hummy
Little birdie ♥
☆ Penpal
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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!
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bloodstainedwings
"avagasm"
☆☆☆☆☆ Moderator
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02-09-2018, 01:38 AM
thanks hummy.
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hummy
Little birdie ♥
☆ Penpal
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02-09-2018, 02:05 PM
Any places to go see yet?
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bloodstainedwings
"avagasm"
☆☆☆☆☆ Moderator
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02-10-2018, 11:22 PM
maybe. we are trying to take is slow.
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hummy
Little birdie ♥
☆ Penpal
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02-11-2018, 03:32 AM
How are your interest rates
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Nephila
The Serpent Bride
☆☆☆☆☆☆☆ Penpal
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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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hummy
Little birdie ♥
☆ Penpal
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02-18-2018, 02:16 PM
What are Canada's interest rates?
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Nephila
The Serpent Bride
☆☆☆☆☆☆☆ Penpal
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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)
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hummy
Little birdie ♥
☆ Penpal
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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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Nephila
The Serpent Bride
☆☆☆☆☆☆☆ Penpal
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02-19-2018, 04:16 AM
It depends on your gender what?
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hummy
Little birdie ♥
☆ Penpal
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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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