Ross

Since May I Have been working on a Re FI with BofA. My income is high, my Credit is Excellent and my LTV is about 70%.

Everything is fine, so I thought. When I called they said they were backed up and I wouldn't close until August, than Sept than Oct but my rate and deal were located in, not to worry. I paid $400 to lock in 4.5% and loan discount fee of 2.875. All this was stated on my good faith estimate. Finally this week we are ready to close, and the fees have gone up to almost 3.7%. BofA admits it was their fault it took so long. I remind them I paid $400.00 and I was told that locked in my rate and it if it need to be extended I was told BofA would pay. They said no it took to long and we have to charge you. They accept blame, apologize for the inconvenience but will not give me my rate back.

I am not doing the loan and have made a complaint with my States Attorney General. I have kept notes and have names and time of things promised and a Good Faith estimate. I understand it is an estimate but the fees have gone up form about 5K to 8K because BofA took so long and they even admit it was their fault.

Anybody else having issues with BofA.

There is no real way to make a poll here but I wonder how many Republicans here vs. Democrats have health insurance.

Also the correlation between the two and the feeling of responsibility they take for themselves, their families and the condition in which they live.

I wonder which person has taken on the role of provider for their family as opposed to the ones wanting other to share that responsibility with others?

Aren't you glad Obama is ending the war and bringing home the Troops like he promised???? Or have you realized he will just say anything you want to hear.

Is he a liar or just ignorant?

Democrats, are you ready and willing to become a socialist nation?

As a Democrat are you ready and willing to except Socialism?

Maybe liberals vs. conservatives

Conservatives are protesting because the President has done thing they disagree with. I haven't even heard of any arrests but the press will try to make it wound like there chaos and danger everywhere.

Dems seem to protest them protesting.

They were quick to protest Bush ( and rightly so many of the times). Why don't the want others to protest?

How many realize what this is really going to cost us. It is more than just the $4500 rebate. The government (you and me) is going to have to reimburse the dealership for the trade in value of the car as well as the rebate. The government (you and me) will all so have to pay to have the vehicle destroyed. $4500 +trade in value + destruction and disposal of the old vehicle = > $4500.

Your thoughts?

President Obama's accomplishments.

Please list what he has accomplished that is benefiting the U.S.

Anybody been there, what is it like?

I did elven years in the Army and I am now a GS employee with have the Federal Employee Retirement System (FERS). I am checking into buying back my time for retirement. Anybody here ever done this of know how they charge? I have gotten the statement back that says how much I have earned form base pay and have sent it out.

Just curious to know if anybody knows how they figure it or has ever been through it.

I am think about buying a 2003 dodge ram conversion van. It has the 5.9L, 1500, 50k miles. Anybody have any experience with these vans, good or bad?

What "book" do people use for pricing these types of homes.

Before people answer don't buy one they depreciate etc, don't. At a certain point some trailers can be flipped and profit can be made. In my area there is a HUGE demand and market for inexpensive housing. Just because you don't like it doesn't mean the is no market for it.

I am a Realtor in MO and have been contacted by a relocation agency that wants to use me. They want to be able to offer a money back to the buyers/sellers. I know $$$ has to go through the brokers but I am looking for any advice on doing this. There are other similar relocation agencies working in this state.

Who here has recently been successful at selling their own home and how did you do to make it work.

I am only looking for advice from those that have ACTUALLY DONE IT.

I would perfer submersible but it is not neccessary. I have worn out my second one from lowes within 8 months, they replaced the first one they propbably will the second one put I would rather not have to mess with it.

I am looking into Primerica for a refi. Their offer looks good on paper. They have 2 week billing cycles that refigure your principal more often. They require me to carry life insurance with them, but it is a good rate.

An body have any experience with them? Any comments good or bad?

I understand how it all works, my concern is having to maintain life insurance with them. Will they suddenly raise my rates? They have told me there are no pre-payment penalties and I can get out of the loan without any costs.

Anybody recently had any success selling their home on their own???? How did you do it?

My three scores are 750, 710, and 680. The 680 is becasue of Sears. I had unknowingly recieved a master card credit card from them when knowingly I recieved the in-store card. They charged my M/C for fraud prection and I din't relaize until I was trying to get a second on my home.

When I found out I called Sears, they took of all the charges Balance now eguals zero. They said they would send a letter to the credit agency explaing their mistake.

When I check my credit it no longer relflect any deliquency, the balance now shows zero but it shows a 30, 60, and 90 day late and that score is down to a 680. This score has knocked me to a different catagory when it comes to loans.

Another issue is my job. These late payment can make me appear to be unreliable and cause me work problems. I have explained them to my current command and all is good at this point but I don't know about the future.

What can I do to fix this????

I understand how to get the lic, I have completed the neccessary education and testing.

I live in a rural area and the offices here are C21, Remax, V.I.P. and Realty Executive. I am Military and will be ending that career in about a year and a half.

I have talked with C21 and Realty Executives, they said they will hire me part time, I have been a Recruiter and held other sales postions. I am leaning to C21 becasue its closer to my home and the area in whcih I want to market.

I have read quite a few comments telling people to stay away fom part timers but I cannot quite my job and I have to feed my family so I thought I would get a jump start on a new career.

When deciding on who to work for what should I look for. Any advice would be appriciated.

I understand how to get the lic, I have completed the neccessary education requirements and am testsing today.

I live in a rural area and the offices here are C21, Remax, V.I.P. and Realty Executive. I am Military and will be ending that career in about a year and a half.

I have talked with C21 and Realty Executives, they said they will hire me part time, I have been a Recruiter and held other sales postions. I am leaning to C21 becasue its closer to my home and the area in whcih I want to market.

I have read quite a few comments telling people to stay away fom part timers but I cannot quite my job and I have to feed my family so I thought I would get a jump start on a new career.

When deciding on who to work for what should I look for. Any advice would be appriciated.