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Friday, July 24, 2009
JUST CUZ I HAVE TIME NOW
I'm not sure if anybody still checks on this blog, or even gives a shit, BUT, I have some some extra time on my hands as of today so WTF...
In these perilous, awful, economically "crippling" times, let me share some in-sight as to why the country is a fucked up mess.
As most of you know, I'm in the real estate biz, and since April 1st, I have sold 7 properties in Northeast Indiana. Oddly enough, people still have jobs, still have kids, and still want and need to own their own home.
The hilarious part of it is, all of the government programs in place to "help" every slug and their idiot brother buy there own "twiced-wide" have actually caused so many layers of regulation that the average family can't get a mortgage without ALL the money down, and even then, they'll have 120 days worth of scrutiny that is akin to Dr. Mengele's inquiries into your ethnic heritage.
Of ALL 7 transactions SOLD since April 1st, I have CLOSED 1. YES ONE. All clients have over 700 credit scores, all have impeccable credit, all have debt to income ratio's less than 40% and all have money down ranging from FHA (cuz the rate is artificially subsidized and low so it steals from regional banks) 3.5 % to 20%.... None of the other 5 has closed BECAUSE of 4 months worth of burdensome regulations on lending and respa (real estate settlement procedures act) as investigations go on as to the authenticity, financial veracity, and of course ethnic background of sellers & buyers. Thank GOD we have the Government to help us streamline the real estate sales process. All my mortgage loan business (until now) has gone to a major player in the biz that ryhmes with "Fells Cargo". Draw your own conclusions why I do not, and will not do business with them, 5th 3rd, Chase, etc. ever again. There is NO maor lender that isn't beholden to FEDERAL HORSESHIT.
Any major bank that has (or has had foisted upon them) any kind of TARP money is sucking major dick as of this point to satisfy layers upon layers of fed horseshit.
My wife and I have both been annual multi-million producer for years in the mortgage & real state business and have NEVER encountered ANYTHING as onorous as this.
You can be a Rockefeller with HALF the money down, an 800 FICO, and a 20 year job and it will take you 120 days to close on a $50 property.....
If you think waiting 120 days to close is a pain in the ass, just wait until your Messiah and Democratic Congess passes Cap & Trade (energy bill) whereby EVERY home sold will have to meet new "energy efficient" criteria (like 90% furnaces, double glazed windows, etc)...
Hope and fuckin' change baby,
Let's just KILL the real estate business so we can all live in the fuckin' projects...
In these perilous, awful, economically "crippling" times, let me share some in-sight as to why the country is a fucked up mess.
As most of you know, I'm in the real estate biz, and since April 1st, I have sold 7 properties in Northeast Indiana. Oddly enough, people still have jobs, still have kids, and still want and need to own their own home.
The hilarious part of it is, all of the government programs in place to "help" every slug and their idiot brother buy there own "twiced-wide" have actually caused so many layers of regulation that the average family can't get a mortgage without ALL the money down, and even then, they'll have 120 days worth of scrutiny that is akin to Dr. Mengele's inquiries into your ethnic heritage.
Of ALL 7 transactions SOLD since April 1st, I have CLOSED 1. YES ONE. All clients have over 700 credit scores, all have impeccable credit, all have debt to income ratio's less than 40% and all have money down ranging from FHA (cuz the rate is artificially subsidized and low so it steals from regional banks) 3.5 % to 20%.... None of the other 5 has closed BECAUSE of 4 months worth of burdensome regulations on lending and respa (real estate settlement procedures act) as investigations go on as to the authenticity, financial veracity, and of course ethnic background of sellers & buyers. Thank GOD we have the Government to help us streamline the real estate sales process. All my mortgage loan business (until now) has gone to a major player in the biz that ryhmes with "Fells Cargo". Draw your own conclusions why I do not, and will not do business with them, 5th 3rd, Chase, etc. ever again. There is NO maor lender that isn't beholden to FEDERAL HORSESHIT.
Any major bank that has (or has had foisted upon them) any kind of TARP money is sucking major dick as of this point to satisfy layers upon layers of fed horseshit.
My wife and I have both been annual multi-million producer for years in the mortgage & real state business and have NEVER encountered ANYTHING as onorous as this.
You can be a Rockefeller with HALF the money down, an 800 FICO, and a 20 year job and it will take you 120 days to close on a $50 property.....
If you think waiting 120 days to close is a pain in the ass, just wait until your Messiah and Democratic Congess passes Cap & Trade (energy bill) whereby EVERY home sold will have to meet new "energy efficient" criteria (like 90% furnaces, double glazed windows, etc)...
Hope and fuckin' change baby,
Let's just KILL the real estate business so we can all live in the fuckin' projects...
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Yes, I check this blog EVERY week, so mark me guilty of stopping by.
You bring an astounding aspect to the whole mortgage situation, and, dare I say it...a VERY EDUCATIONAL one.
(I said it, so sue me)
My wife and I have C/Rs each over 800 (yeah, we care that damn much about OUR finances), and our house (assessment) down here in the armpit of the S/E side of FTW has DROPPED from $74K to $50K in LESS than TWO years (wow...so much for an "investment" property.)
Goes to show HOW MUCH progress the city "believes" it's making down HERE, hmm?
(read - NONE AT ALL)
We are still in the running for the highest assessed property, nonetheless.
(Has to be that WHITE, HOMEOWNER thing causing it...must be pissing off the deadbeat landlords wanting to buy up MORE houses when "we" keep the assessments UP...LOL)
It HAS proven to be a godsend with property taxes, though (big f$cking deal - the city bilked us for YEARS prior)
It's going to really be difficult to get a GOOD price for this place (that would be anywhere NEAR $40K-$50K), so that shoots any D/P for another home (FAR away from these animals) in the frigging foot for now).
I appreciate you sharing the housing situation IN FACT, rather than getting the "dope" from the MSM (read DOPES).
You keep posting...I'll keep reading, Tim.
B.G.