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  1. #901
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    Uh, this risks taking this thread very far off topic, but anyone got tips on choosing a lender? I submitted applications for two lenders based on realtor recommendations, one wants a bunch of docs (I'm self employed), the other already gave me a rate of 4.6% for 900k w/ 30% down 30 year fixed. I checked bankrate and I get a handful of options at 4.25%, but I figure there's other ways they can get ya and I don't know if bankrate is reliable or not...

  2. #902
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    Quote Originally Posted by fitek View Post
    Uh, this risks taking this thread very far off topic, but anyone got tips on choosing a lender? I submitted applications for two lenders based on realtor recommendations, one wants a bunch of docs (I'm self employed), the other already gave me a rate of 4.6% for 900k w/ 30% down 30 year fixed. I checked bankrate and I get a handful of options at 4.25%, but I figure there's other ways they can get ya and I don't know if bankrate is reliable or not...
    NOT BofA!
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  3. #903
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    Quote Originally Posted by fitek View Post
    Uh, this risks taking this thread very far off topic, but anyone got tips on choosing a lender? I submitted applications for two lenders based on realtor recommendations, one wants a bunch of docs (I'm self employed), the other already gave me a rate of 4.6% for 900k w/ 30% down 30 year fixed. I checked bankrate and I get a handful of options at 4.25%, but I figure there's other ways they can get ya and I don't know if bankrate is reliable or not...
    Credit unions are pretty awesome.
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  4. #904
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    Quote Originally Posted by Boomchakabowwow View Post
    NOT BofA!
    I actually had OK experience with them, but that was mostly because guy I worked with was good. He now left to Wells Fargo. I can recommend him as easy to deal with.

  5. #905
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    Quote Originally Posted by fitek View Post
    Uh, this risks taking this thread very far off topic, but anyone got tips on choosing a lender? I submitted applications for two lenders based on realtor recommendations, one wants a bunch of docs (I'm self employed), the other already gave me a rate of 4.6% for 900k w/ 30% down 30 year fixed. I checked bankrate and I get a handful of options at 4.25%, but I figure there's other ways they can get ya and I don't know if bankrate is reliable or not...

    That's a jumbo loan and probably pretty close to what your gonna pay, 4 1/2%. I don't believe Bankrate is the actual lender but looks for the best rates so it's would be like asking Zillow for the exact value of your home. It's only a guide. And good luck contacting one of those lenders on Bankrate site and holding them to their Bankrate quote. They can simply say rate changed today as I'm sure there's a disclaimer somewhere on the site that says rates subject to change. Best bet is ask several lenders in your local area and tell them your talking to 2 other people and planning on buying and need a pre qualification. The rate will be better that way.

    OBTW, pre 2008 is gone so yes, you'll have to provide paperwork. Tax returns, etc, etc and whatever else they ask for. And they'll keep asking! Remember, the lender you choose is not the actual lender. They are simply the originator of the loan and in many cases the servicer. Banks, especially the too big to fail will not keep your loan. They want nothing to do w/ the risk of a 30 year 4.5% fixed rate loan. They are far too smart for that. They'll let Wall St or the Federal Housing Finance Agency (Fannie Mae, Freddie Mac, FHA, etc) take ALL the risk while they collect the upfront fees and servicing fees. Oh yeah, they'll collect the administrative fees and legal fees what the property goes into foreclosure. Welcome to the "good old too big to fail club".

  6. #906
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    Quote Originally Posted by mb323323 View Post
    That's a jumbo loan and probably pretty close to what your gonna pay, 4 1/2%.
    Not necessarily a jumbo loan as there are county specific exemptions, What Are Jumbo Loans in California? | Home Guides | SF Gate

  7. #907
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    Quote Originally Posted by alxrmrs View Post
    Not necessarily a jumbo loan as there are county specific exemptions, What Are Jumbo Loans in California? | Home Guides | SF Gate
    $625500 is the max conforming in the most expensive Counties so if his loan is 900k, he's Jumbo. If his purchase price is 900k w/ 30% down, that's 630k so he's close. The difference in rate isn't much though as the only secondary market for conventional conforming loans are either Fannie Mae or Freddie Mac.

  8. #908
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    With jumbo you'll need to buy mortgage insurance which will add a bit to the total.

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    Thanks for the feedback. I suddenly recalled that on our previous purchase, after I got the first quote I immediately forwarded it to a 2nd broker, and then took his quote and forwarded to a 3rd one. They all beat each other by like .1% IIRC. It only took about 2 hours.

    I am trying to get under the 622k in King County. EDIT: it's actually 667k in King County as of Jan 1 2018.

    The amount of documentation is pretty crazy eg they want to contact my current landlord and my wife's manager... uh, we haven't told either of them our plans and I don't want to scare them at this point since we're just looking. It could be a year or two before anything happens.

  10. #910
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    You should be able to get a pre qual w/o the extra calls, etc. And Jumbo doesn't require mtg insurance. That is only required if the LTV if higher than 80% and not in all cases.

  11. #911
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    I think as the lender knows our realtor, they think she wanted us to get underwritten too. But calling our landlord is pretty scary. We try to make no noise whatsoever, it seems like the rent goes up each time there's contact...

  12. #912
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    I had to go through the same thing. I had to get a letter from my landlord saying that I was a good tenant. My company's HR was a bit of a nightmare. They are there to protect the company from potential lawsuits, not care for the employees. Hence they verified my total comp, stock package, bonus, etc but would not say that my employment was "likely to continue" or that I'd even get a bonus next year. Since a bonus is a large part of how we do compensation here this caused quite a few headaches.

  13. #913
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    Is that check with HR typical for underwriting? My wife's company employs 193,000 people and HQ is in Paris, France. I don't think they'll even get a reply if they try to write them a letter. I am tempted to see how much worse a second home mortgage would be, as then this shouldn't be an issue.

    Even if we get a primary residence loan, I don't think I would move mid school year as arranging school and aftercare, say, at some random point in October or February sounds like a giant PITA.

  14. #914
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    From my understanding yes, employment verification is always part of mortgage underwriting.

  15. #915
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    I looked through a year of photos and picked out some favorites from the Gorge for y'all.Want to leave Bay Area. Where to go?-psx_20170630_105012.jpgWant to leave Bay Area. Where to go?-20171028_152038-gorge-fall.jpgWant to leave Bay Area. Where to go?-rednecks.jpg

  16. #916
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    Quote Originally Posted by fitek View Post
    Is that check with HR typical for underwriting? My wife's company employs 193,000 people and HQ is in Paris, France. I don't think they'll even get a reply if they try to write them a letter. I am tempted to see how much worse a second home mortgage would be, as then this shouldn't be an issue.

    Even if we get a primary residence loan, I don't think I would move mid school year as arranging school and aftercare, say, at some random point in October or February sounds like a giant PITA.
    A second loan home mtg will be the same documentation. All loans are sold on the secondary market which means the requirements are the same for every lender unless it's a real hard money lender but you'd know if it is as the rate will be sky high like 8-11%!!

  17. #917
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    Quote Originally Posted by mb323323 View Post
    A second loan home mtg will be the same documentation. All loans are sold on the secondary market which means the requirements are the same for every lender unless it's a real hard money lender but you'd know if it is as the rate will be sky high like 8-11%!!
    Yeh but a second home they won't ask HR at least, since we wouldn't be moving.

  18. #918
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    Quote Originally Posted by fitek View Post
    Yeh but a second home they won't ask HR at least, since we wouldn't be moving.
    They did for me, they want to verify your employment so you have income to pay the mortgage. HR should be apart from your boss anyways, so this should theoretically not affect your status with your company.

  19. #919
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    I submitted paperwork to Watermark Home Loans which was one of the cheaper options on bankrate but still great reviews. They're saying Im good for 4.25% and the fees are in line w the others. Using the same tactics of asking "can you do better than the other guy?", I'm going to see if I can get insurance agents to duke it out for our renters, homeowners, and car policies. So maybe this whole exercise has some positive side effects.

    Between estimated payments, retirement contribution, and what I owed the gubament for 2017 they've wiped out half my cash though. Pretty brutal. The messages from the mortgage people said not to make any large transactions, heh!

    EDIT: Im thinking of dragging my slopestyle or MTB up to SEA, it's only $25 on Alaska (vs $75 on SWA) each way-- just need a case. Duthie was pretty sweet. There's dirt jumps in Bellingham and Vancouver. Will report back on how these stack up.

    EDIT 2: The weather up north seems to be turning. Lookin' real good.
    https://darksky.net/zipcode/98109/us12/en

  20. #920
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    I appreciate parts of that drive between Shasta and Vacaville. The oak tree studded hillside and the occasional empty prairies without any construction or even telephone poles or towers. Not dramatic, but rare to get that in california unless you go to the deserts, far north or east side and even then you have to go looking for it.

    Quote Originally Posted by fitek View Post
    I returned last night. Gawd that 11 hour drive from the Gorge back to San Mateo is painful. It's beautiful for the first six hours, especially in Spring when there's still snow on the mountains, but after Shasta it's monotonous till you hit the Bay Bridge (you get ample viewing time as you crawl through the maze, even at 7pm on Sunday). At least 5 and 505 through Corning and the other boring flatness are mostly civilized and well paved; just turn on cruise control and some music. The merge onto 80 is a rumbling, shaking, potholed reminder that you are back in the land of dog eat dog driving and cratered roads. I've driven smoother fire roads in OR than bits of 80 and 101.

    Over the last half decade I've mostly avoided prolonged bad weather, but not this time. It was mostly cold, cloudy, and drizzly or rainy, with the exception of Friday. I could see how half a year of this could be very depressing. I still got more riding in than normal anyway, even though you can't ride Post Canyon year round, and I somehow lost five pounds despite generous dinners and two beers/day minimum. Also, half the time it was raining, it was snowing in the mountains. I found neither Mt Hood Meadows or Timberline particularly great skiing (Timberline is especially flat), but Timberline has many terrain parks. I've never ridden these but gave it a shot and it was a lot of fun, even with the wrong skis and no idea how to ride many of the features. A good excuse to start a conversation with a passerby. The fresh snow made crashes cushy. Both of these ski areas are also way easier with kids. Timberline didn't even require a ticket for my son or his friend. My son said skiing their easy run was the highlight of his week.

    One other note, but there were signs that a snow park parking pass is required, but I don't have one. I wonder how much the ticket is hehe...

  21. #921
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    man..Vancouver Island would be awesome for me to live. that place is stunningly beautiful.
    Santa Cruz 5010 C
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  22. #922
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    Condemned Fremont home sells for $1.23 million: 'The buyer bought the dirt'

    https://www.sfgate.com/realestate/ar...e-12838774.php

    I'm originally from the Bay Area.Lots has changed since I left.
    Prefer smaller towns and warmer weather as I get older.

    We really liked Oregon.But the winters got to us and we moved back to California.Might just stay in Auburn and buy A vacation home in the south west region ,when we sell our Oregon home.

    And I plan at looking at areas that have gravel and mountain bike trails in the area.Really have no idea yet.

  23. #923
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    Quote Originally Posted by jjbnum3 View Post
    POrefer smaller towns and warmer weather as I get older.
    Half the bay area just blew a fuse! I'm not sure where this "we have the best weather ever" mantra comes from.

  24. #924
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    Where is better weather? San Diego hills? Hawaii? What else?

  25. #925
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    LA? Utah? Colorado? Somewhere I don't have to wear a jacket every summer night and don't get 7 amber alerts when the temp hits 85F.

  26. #926
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    Utah and Colorado? LA??? Over Bay Area? (SF excluded, all the commie hippie liberals can have it and its fog and bums).

    Just no. No, no, no. And I like Utah.

  27. #927
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    Quote Originally Posted by Axe View Post
    Utah and Colorado? LA??? Over Bay Area? (SF excluded, all the commie hippie liberals can have it and its fog and bums).

    Just no. No, no, no. And I like Utah.
    I have no idea what you're saying here.

  28. #928
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    Quote Originally Posted by alxrmrs View Post
    I have no idea what you're saying here.
    He is saying that the weather sucks in all those locales compared to the bay area.

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  29. #929
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    I grew up in California, (Bay Area, Sierras) lived there for 36 years... now live in Wa state.
    You couldn't pay me to live in California now with what's going on down there.
    In fact I don't even want to set foot in that state. I'll leave it at that...we're all riders and more the same than we are different so I won't get political.

    Great weather in the Bay Area? Sure...if you like air you can see.
    I hate landing on Oakland/smog-fest to visit family in the East Bay...no more.

  30. #930
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    Quote Originally Posted by Gambit21 View Post

    Great weather in the Bay Area? Sure...if you like air you can see.
    I hate landing on Oakland/smog-fest to visit family in the East Bay...no more.
    So much this. The air you can see is as bad as LAís now. Even SF has a layer of smog around it.
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  31. #931
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    Quote Originally Posted by stripes View Post
    So much this. The air you can see is as bad as LAís now. Even SF has a layer of smog around it.
    Pretty much every large city does. Denver does. As does that dump Colorado Springs.


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    Quote Originally Posted by Le Duke View Post
    Pretty much every large city does. Denver does. As does that dump Colorado Springs.


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    Fair enough...but more rain in Wa keeps things a clearer on average.
    I did a lot of my growing up in Fremont, and I don't recognize that place anymore.
    Just can't do it.

    I may end up on Montana down the road if I can make it work from a job standpoint.

  33. #933
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    Quote Originally Posted by Le Duke View Post
    Pretty much every large city does. Denver does. As does that dump Colorado Springs.


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    What? You donít like the Springs?

    Iím thankful I live north and west of Denver and slightly higher than it. Also, with it much drier here than the Bay Area, it doesnít bother me. Additionally, the Bay Area has some of the highest particulate matter in the country. That does bother me. Denver is ozone, which does not.

    And we get enough wind gusts and rain to clear it out. It just hangs out now in the fog and humidity in the Bay Area, along with all the allergens.
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  34. #934
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    Quote Originally Posted by stripes View Post
    What? You donít like the Springs?

    Iím thankful I live north and west of Denver and slightly higher than it. Also, with it much drier here than the Bay Area, it doesnít bother me. Additionally, the Bay Area has some of the highest particulate matter in the country. That does bother me. Denver is ozone, which does not.

    And we get enough wind gusts and rain to clear it out. It just hangs out now in the fog and humidity in the Bay Area, along with all the allergens.
    I live in Palmer Lake. Well north of COS. I only go there when absolutely necessary. But I can look down from one of the climbs here and see the layer of smog there.

    Not surprising for a city with more pickup trucks than average and little to no public transportation.



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  35. #935
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    Quote Originally Posted by Gambit21 View Post
    ...
    Great weather in the Bay Area? Sure...if you like air you can see.
    I hate landing on Oakland/smog-fest to visit family in the East Bay...no more.
    Ok... not perfect but let's not make stuff up now.
    IPA will save America

  36. #936
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    Afternoon breeze from the ocean makes it quite nice and clean on my hill. Bit more of a concern in office.

  37. #937
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    Quote Originally Posted by fc View Post
    Ok... not perfect but let's not make stuff up now.
    No ones making that up. The air quality in the Bay Area is one of the worst in the country.
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    I can see the brown hanging over the city from the bay trail. It comes and goes.

    BTW, don't you all go running too fast after this one right near me...Want to leave Bay Area. Where to go?-screen-shot-2018-04-23-10.21.33-pm.jpg

  39. #939
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    Quote Originally Posted by stripes View Post
    So much this. The air you can see is as bad as LAís now. Even SF has a layer of smog around it.
    It's more a layer of smug



    The city has become a parody of itself. Look at this whole scooter debacle. SF people who don't dare complain about the real problems now have something that's more of a minor annoyance to shift their anger towards.

  40. #940
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    Quote Originally Posted by fitek View Post
    I can see the brown hanging over the city from the bay trail. It comes and goes.

    BTW, don't you all go running too fast after this one right near me...Click image for larger version. 

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    3300 square foot, hot home!!! And the landscaping is integrated inside the house!
    IPA will save America

  41. #941
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    Quote Originally Posted by stripes View Post
    No ones making that up. The air quality in the Bay Area is one of the worst in the country.
    #13 by ozone according to Most Polluted Cities | American Lung Association Right before Denver at #14. Salt Lake City at #18.

    San Mateo county though quite a bit better than Bay Area average. Does not feel too polluted between Burlingame and Redwood city.

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    not all of the Bay Area air is bad.

    representing the northbay:
    Sonoma County posts California’s top grade for air quality
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  43. #943
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    Quote Originally Posted by Boomchakabowwow View Post
    not all of the Bay Area air is bad.

    representing the northbay:
    Sonoma County posts California’s top grade for air quality
    Yeah, it's a big place. I love the ocean breeze.
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    As long as you're to the NW of the central bay, then you get the advantage of those NW prevailing winds. Marin Co. is pretty darn clean. We do get the odd high pressure and inversion stuff, but that's rare.

    Now, the South Bay? FUUUUUUCK that. I'd rather be broke in Oregon than clocking the big bucks down there.

  45. #945
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    ... and if we just ...

    Quote Originally Posted by fitek View Post
    I can see the brown hanging over the city from the bay trail. It comes and goes.

    BTW, don't you all go running too fast after this one right near me...Click image for larger version. 

Name:	Screen Shot 2018-04-23 at 10.21.33 PM.jpg 
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    This is a steal!!!!!!!!

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    There's never been a better time to buy real estate!!!

    Quote Originally Posted by mb323323 View Post
    This is a steal!!!!!!!!

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    Has anyone talked about Austin in this thread. Any personal experience? Thx.

  48. #948
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    Quote Originally Posted by alxrmrs View Post
    It's more a layer of smug



    The city has become a parody of itself. Look at this whole scooter debacle. SF people who don't dare complain about the real problems now have something that's more of a minor annoyance to shift their anger towards.
    Scooter debacle? I missed this one. Please fill me in.
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  49. #949
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    Quote Originally Posted by Axe View Post
    #13 by ozone according to Most Polluted Cities | American Lung Association Right before Denver at #14. Salt Lake City at #18.

    San Mateo county though quite a bit better than Bay Area average. Does not feel too polluted between Burlingame and Redwood city.
    Itís not the ozone that bothers me. Itís the particulate matter. The Bay Area has been in the top 10 for some years now.
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  50. #950
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    Quote Originally Posted by stripes View Post
    Itís not the ozone that bothers me. Itís the particulate matter. The Bay Area has been in the top 10 for some years now.
    Not in the western counties. And itís trending down. Hopefully with all the electric cars we will export pollution to where poor people burn coal.

  51. #951
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    Quote Originally Posted by Axe View Post
    Not in the western counties. And itís trending down. Hopefully with all the electric cars we will export pollution to where poor people burn coal.
    Bay Area is still number 10 in long term particulate matter and 6 in short term particulate matter.

    http://www.lung.org/our-initiatives/...ed-cities.html


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  52. #952
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    Quote Originally Posted by stripes View Post
    Scooter debacle? I missed this one. Please fill me in.
    https://m.sfgate.com/bayarea/article...e-12832354.php


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    By twklei in forum Fat bikes
    Replies: 22
    Last Post: 01-25-2012, 11:38 AM

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