# Finally moving up.... **URL:** \ **Category:** Shift518 Off Topic\ **Created:** [October 7, 2010, 7:12pm UTC](https://forums.speedlife.net/t/finally-moving-up/254936 "2010-10-07T19:12:16Z")\ **Posts on this page:** 4\ **Page:** 2
**Author:** ![usmc2801](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/usmc2801/32/6387_2.png) [@usmc2801](https://forums.speedlife.net/u/usmc2801)\ **Post date:** [October 9, 2010, 5:02am UTC](https://forums.speedlife.net/t/finally-moving-up/254936/21 "2010-10-09T05:02:00Z")
> [@Windshield? any hook ups?](https://forums.speedlife.net/t/windshield-any-hook-ups/35626/16): > > Um… you got snookered last time. > #1- every real estate attorney I know gets paid upon closeing… knowing they sometimes dont get paid, much like a realtor, if it doesnt close… nature of the business > #2 a single family apprasial is generally $350… never higher thand $425 from the many I know > #3 No idea what other fees were involved, other than application fees, which are often $200 or less… and processing fees, which are refunded if rejected. > #4 FHA story with additional underwriter is an odd story. FHA is a type of loan a bank offers, thats backed by the gov. ODD > > Best of luck this time around! **What bank are you using?** SEFCU…I always bugged Kenny about getting rid of Bank of America and switch to SEFCU and he finally made the move and thats who is getting the loan through. ---
**Author:** ![offroadzj](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/offroadzj/32/6428_2.png) [@offroadzj](https://forums.speedlife.net/u/offroadzj)\ **Post date:** [October 9, 2010, 5:41am UTC](https://forums.speedlife.net/t/finally-moving-up/254936/22 "2010-10-09T05:41:13Z")
> [@Windshield? any hook ups?](https://forums.speedlife.net/t/windshield-any-hook-ups/35626/16): > > Um… you got snookered last time. > #1- every real estate attorney I know gets paid upon closeing… knowing they sometimes dont get paid, much like a realtor, if it doesnt close… nature of the business > #2 a single family apprasial is generally $350… never higher thand $425 from the many I know > #3 No idea what other fees were involved, other than application fees, which are often $200 or less… and processing fees, which are refunded if rejected. > #4 FHA story with additional underwriter is an odd story. FHA is a type of loan a bank offers, thats backed by the gov. ODD > > Best of luck this time around! What bank are you using? Ok so apparently I was a little off on the figures (everything was done in my wife and mother-in-law’s name so I only got bits and pieces from each). I guess the appraisal fee was around $800 or so, inspection was $500, lawyer fee was around $300-$400, and then some other small fees; and it was NOT an FHA underwriter, but the bank’s head underwriter. So it wasn’t as bad as I thought before but still sucked to pay for something and get absolutely nothing out of it. And I know that its the nature of the business for the realtor, but I still felt bad b/c she was absolutely great and spent countless hours with us… and then ended up with nothing. Going through SEFCU. > [@Windshield? any hook ups?](https://forums.speedlife.net/t/windshield-any-hook-ups/35626/17): > > so are you moving out of your moter in-laws rental house? or are you building a garage? Getting the hell out of this money pit… lol. > [@Roc V Blo Possible Track Day Poll](https://forums.speedlife.net/t/roc-v-blo-possible-track-day-poll/35617/23): > > I’ve got a question, how important is it to have 10% down these days or in this current market. I remember someone telling me if you dont have atleast 10% down dont even try to get a mortgage for a home I wasn’t expecting to actually get approved so we have been putting our money towards paying stuff off and have very little saved up for a down payment. With an FHA loan, its only a minimal 3.5% down… but FHA is a little anal when it comes to the house condition… and apparently has gotten even more anal. There can’t be any peeling paint on the exterior, no major holes/damage on the interior, etc. But with the low down payment, and good rate, its worth it. ---
**Author:** ![offroadzj](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/offroadzj/32/6428_2.png) [@offroadzj](https://forums.speedlife.net/u/offroadzj)\ **Post date:** [October 9, 2010, 5:43am UTC](https://forums.speedlife.net/t/finally-moving-up/254936/23 "2010-10-09T05:43:54Z")
Oh and BTW Jammer… if you are still doing inspections, expect a PM from me in the near future… lol. We used the same inspector for the last house as my mother-in-law used for the house we are in now… and after seeing all the stuff that he didn’t check, we won’t be using him again… lol. If you are still doing them, shoot me a PM with your contact info. We just started looking so it may be a little while… just wanted to give a heads up. ---
**Author:** ![toomanycamaros](https://avatars.discourse-cdn.com/v4/letter/t/7993a0/32.png) [@toomanycamaros](https://forums.speedlife.net/u/toomanycamaros)\ **Post date:** [October 9, 2010, 7:20pm UTC](https://forums.speedlife.net/t/finally-moving-up/254936/24 "2010-10-09T19:20:13Z")
Best of luck to you. My wife and I spent months looking for a house and finally had to give up and renew our lease for another year. Gonna start looking again next summer. [Previous page](https://forums.speedlife.net/t/finally-moving-up/254936.md?page=1)