Your monthly mortgage/rent payment.

[DCSooner]

This is a private poll.

[jk the sooner fan]

DC, how many sq feet are you working with up there?

[soonerbrat]

shoulda made it 0-499 and 500-999 and 1000-1999

what if it's exactly 500 or 1000 or 2000? people will get confused.

[Beef]

Just the mortgage part or the whole mortgage, taxes, insurance, etc?

And why do you want to know, Bruce?

[DCSooner]

DC, how many sq feet are you working with up there?
Que?

Please rephrase your question.

[jk the sooner fan]

how many sq feet is your casa......

[DCSooner]

shoulda made it 0-499 and 500-999 and 1000-1999

what if it's exactly 500 or 1000 or 2000? people will get confused.
You should make your own pole. Jerk.

[C&CDean]

Just the mortgage part or the whole mortgage, taxes, insurance, etc?

And why do you want to know, Bruce?


It ain't Bruce, cause if'n it was, there's be a "more $$ than you pathetic losers make in a year" choice.

[1stTimeCaller]

I could write a check for my house tomorrow but I got such a good APR that it would be dumb to do that.


Well, that and the fact I rent prevent me from doing that.

[DCSooner]

how many sq feet is your casa......
Heh. Not telling.

[Stanley1]

I don't have a house, and therefore no mortgage.

Should I vote on my monthly rent amount?

[soonerbrat]

You should make your own pole. Jerk.



you said pole. heh

[soonerbrat]

You should make your own pole. Jerk.



and oh yeah.

don't call me jerk :(

you hurt my feelbads. :rolleyes:

[Stanley1]

<sigh>

[OklahomaTrombone]

I don't have a house, and therefore no mortgage.

Should I vote on my monthly rent amount?


nah...DC...jsut put monthlymortgage/rent for ****s and giggles

[DCSooner]

and oh yeah.

don't call me jerk :(

you hurt my feelbads. :rolleyes:
Let me help your feelgoods! :D

[OUAndy1807]

norman, 1 mile from campus, $650 a month for a 1200 sf house, baby. too bad I'm renting and basically flushing it down the toilet.

[1stTimeCaller]

that won't get you a 700sf 1 bedroom apartment on the edge of Denver

[Frozen Sooner]

645/mo, bitches!

[1stTimeCaller]

yeah but you gotta live in AK ;)

[Stanley1]

nah...DC...jsut put monthlymortgage/rent for ****s and giggles

I'm so freakin' stupid.

[OklahomaTuba]

Somehow, I got below 1000 per month for a pretty nice house (for a first time buyer that is). But I put down a lot of money so no PMI helps.

[Mjcpr]

$0.00

[DCSooner]

I'm so freakin' stupid.
Dude. WTF is going on with you? You need a vacation or sumpthin.

[jk the sooner fan]

[VA loan]what is this PMI you speak of?[/VA loan]

[C&CDean]

Dude. WTF is going on with you? You need a vacation or sumpthin.

Vacation hell. Stan needs to soak his bone.

[DCSooner]

Vacation hell. Stan needs to soak his bone.
I think he needs to "Ride" Ruby.

[HoserSooner]

Paid in full. :D

[proud gonzo]

i think ours is $600 or so.... (for the house GHP and I live in--owned by our parents) but i'm not sure

[IB4OU2]

I think he needs to "Ride" Ruby.

Who's Ruby? :eek:

[DCSooner]

Who's Ruby? :eek:Who ever you want it to be.

Actually, I just remembered, there are two Ruby's associated with this board.

[Oldnslo]

When we moved in it was more, but since the re-fi and ditching the PMI, it's less.

I miss my old house, and my old house's payment.

[Mjcpr]

When we moved in it was more, but since the re-fi and ditching the PMI, it's less.

I miss my old house, and my old house's payment.
$2000+ , got it.

Mr. McSuesalot

[IB4OU2]

Who ever you want it to be.

Actually, I just remembered, there are two Ruby's associated with this board.

I've got 10 years left on my note.

and Roo....ooooo.....beee,
Don't take your love to town.......

[jk the sooner fan]

i would be curious to see the breakdown if the amounts were broken down to 500's....

[1stTimeCaller]

JK, you're gonna get yelled at...

[DCSooner]

i would be curious to see the breakdown if the amounts were broken down to 500's....
Do a poll. Rhino loves em.

[jk the sooner fan]

Do a poll. Rhino loves em.

he loves the copy cat threads more......i'll bet you a coke on that

[sanantoniosooner]

I've shared some useless information on this site, and this would be the least usefull of all.

$600 could be horrible or awesome depending on what and where.

Somebody could pay $200 a month more for the same exact thing because they got ripped off or couldn't qualify for a decent rate.

$1200 could be horrible or awesome depending on what and where.

My monthly payment was cut in half when I purchased the house I was leasing. Would you be more impressed that I was paying $1200 or $600? And like everybody else mentioned, you have to figure some taxes/fees.

[C&CDean]

Oooohhhh. This is a "who's got a bigger dick pole?" I didn't know.....

[Mjcpr]

Oooohhhh. This is a "who's got a bigger dick pole?" I didn't know.....
Oh, crap. I'm going to need to change my vote.

[DCSooner]

Oh, crap. I'm going to need to change my vote.
?-0

[Stanley1]

Heh

[sanantoniosooner]

It's not the size of you mortgage, it's how you.........forget it........

[Stanley1]

It's not the size of you mortgage, it's how you.........forget it........

Maybe thats my problem, I don't have a big enough mortgage.

Hmm.....

[Oldnslo]

$2000+ , got it.

Mr. McSuesalot
nononono. Not hardly. Not since the re-fi and ditching PMI. Now it's much much less.

There's nothing sexy about a huge f'n house payment.

[C&CDean]

Maybe thats my problem, I don't have a big enough mortgage.

Hmm.....

Uh, Stan, you don't have a mortgage at all.

[Stanley1]

Uh, Stan, you don't have a mortgage at all.

I did when I lived in Tulsa. :mad:

[DCSooner]

Maybe thats my problem, I don't have a big enough mortgage.

Hmm.....
Like a 15 yr old is going to care about, scratch that, know about a mortgage anyway.

[Stanley1]

Like a 15 yr old is going to care about, scratch that, know about a mortgage anyway.

She said she was 18. :O

[OklahomaTuba]

For some really cheap homeowners, check out AMEX's Ameriprize company. I pay about $300.00 something a year in homeowners.

Less than half of the next closest homeowners company.

[mdklatt]

too bad I'm renting and basically flushing it down the toilet.

This is a myth. You're not flushing it down the toilet, you're paying to avoid the many hassles of ownership.

[Stanley1]

This is a myth. You're not flushing it down the toilet, you're paying to avoid the many hassles of ownership.

Still better to own in most cases.

[mdklatt]

Still better to own in most cases.

The fact that the air conditioner exploding isn't your problem is worth at least something, though.

[DCSooner]

And now you can report your timely rent payments to a private company. They in turn will vouch for you when you need to show that you pay your bills on time. They provide their own credit score to go with the big 3. By law, a lendor must look at all of your suggestions, not just the 3 companies.

www.prbc.com (http://www.prbc.com)

[sooneron]

Can we add a 3k + option ?

And there is nothing about it to make my JOhnson big in comparison. In fact, our monthly nut makes my Johnson quite small.

[Harry Beanbag]

The fact that the air conditioner exploding isn't your problem is worth at least something, though.

Not as much as the value of our house doubling in 2 years.

[OUinFLA]

I'll rent you my truck for $650, one bed.

[1stTimeCaller]

That's not true in many places Harry. If the market were that good you should borrow some big money and buy a few more to get in on that ROR.

I'm renting now but in the next few years I plan on buying a house when the market goes south and folks start losing their spec homes.

[mdklatt]

Not as much as the value of our house doubling in 2 years.

That's only worth something if you sell it right now. ;)

[Harry Beanbag]

That's not true in many places Harry. If the market were that good you should borrow some big money and buy a few more to get in on that ROR.

I'm renting now but in the next few years I plan on buying a house when the market goes south and folks start losing their spec homes.

Oh, I realize that. Phoenix is a special situation. Some day it'll probably slow down, but the bottom isn't going to drop out.

[Harry Beanbag]

That's only worth something if you sell it right now. ;)

Only if I sold it right now and moved somewhere else, like Oklahoma for example. In that case I'd be Bruce-rich. ;)

Selling it and moving across the street won't do me any good at all.

[OUAndy1807]

Oh, I realize that. Phoenix is a special situation. Some day it'll probably slow down, but the bottom isn't going to drop out.
Stock Market 'best Since 1928,' Say Investors

July 9, 1997 | Issue 31•23 (http://www.theonion.com/content/index/3123)



EW YORK—Wall Street insiders are hailing the current bull market as the best since 1928, The Wall Street Journal reported Tuesday. "The Dow is on an unstoppable rocket-ship ride into the outer stratosphere of fiscal health and prosperity," H&R Block broker Phillip Guyer said. "I see no reason why this upward trend shouldn't continue forever. To celebrate, I think I'll buy myself one of those newfangled horseless automobiles—on credit!"http://cache.theonion.com/content/themes/onion_cache/assets/terminator.gif

[1stTimeCaller]

dood, you could probably buy 2 - $43,000 Yukons if you did that.

[OUAndy1807]

This is a myth. You're not flushing it down the toilet, you're paying to avoid the many hassles of ownership.
I know I was kidding, but when I look back at college and the fact that I could have a house half paid down by now, I do kind of kick myself.

But then I look at people like my buddy who bought a house in Dallas, then came back to OKC to work. He had a sweet job and a sweet house down there. After he moved back, he had a sweet mortgage payment for about a year until he finally sold the house (at a loss, I might add), and a sweet rent payment at the same time.

[1stTimeCaller]

sweet

[mdklatt]

But then I look at people like my buddy who bought a house in Dallas, then came back to OKC to work. He had a sweet job and a sweet house down there. After he moved back, he had a sweet mortgage payment for about a year until he finally sold the house (at a loss, I might add), and a sweet rent payment at the same time.

A lot of people look at just the mortgage payment as compared to their rent. They forget to consider property taxes, insurance, and all the inevitable maintenance expenses. Rent vs. own isn't as cut and dried as the real estate industry makes it out to be. Crunch the numbers and look before you leap, folks.

[Penguin]

A lot of people look at just the mortgage payment as compared to their rent. They forget to consider property taxes, insurance, and all the inevitable maintenance expenses. Rent vs. own isn't as cut and dried as the real estate industry makes it out to be. Crunch the numbers and look before you leap, folks.I totally agree. I owned a home a few years ago. After plumbing problems, neighbor trying to sue because my plumbing problems made his yard soggy, my dishwasher dying twice, my a/c never being able to keep charged, a leaky roof, problems with the mortgage company who forgot to pay my homeowner's insurance, and let's don't forget the MOTHER****ING TERMITES, I sure as hell don't mind renting.

American dream, my ***.


I wouldn't mind renting for the rest of my life. Termites? Broken AC? Huge hole in the roof? Not my problem.

[Al Gore]

If possible....you design and build a house and you don't have those problems for a while.......

[soonerbrat]

I rent and I'm glad. I don't have anyone to do the "honeydo" list for me if I own. and now, I call my landlord and it's fixed by the next day. This is a fairly new house that I rent and both air conditioners have gone out (one for upstairs, one for downstairs), the garage door opener has broken, and last year the pilot lite went out on the upstairs heater. the landlord's son lives in the neighborhood and he just comes right over and fixes it. It's great.

[Harry Beanbag]

If possible....you design and build a house and you don't have those problems for a while.......

Exactly.

Besides, my goal in life is to own a home free and clear by the time we retire. You guys can worry about scraping the rent together out of your Social Security checks when you're 80.

[sanantoniosooner]

You guys act like there are only two options.

1-Rental of the perfect place with no problems

2-Owning a money pit.

Rental has it's own drawbacks and not every home is full of death and destruction.

[OUAndy1807]

what about squatting? usually the houses aren't really nice, but the price is right.

[jk the sooner fan]

You guys act like there are only two options.

1-Rental of the perfect place with no problems

2-Owning a money pit.

Rental has it's own drawbacks and not every home is full of death and destruction.

i just bought my first house.....happier than a pig in ****......i cant imagine renting ever again......i pray i never have too

[Al Gore]

Exactly.

Besides, my goal in life is to own a home free and clear by the time we retire. You guys can worry about scraping the rent together out of your Social Security checks when you're 80......while working at Walmart as a greeter.....

[Al Gore]

....and don't plan on Social Security.....

[Penguin]

You guys act like there are only two options.

1-Rental of the perfect place with no problems

2-Owning a money pit.

Rental has it's own drawbacks and not every home is full of death and destruction.
I admit that I am snakebit. I'm sure that 80% of home owners will never want to rent again. But, I got the "money pit" treatment.


If somebody could guarantee me a problem-free house, I would gladly cash in (or borrow against) my 401(k) for a down payment. I'm pretty convinced that a new home will outpace a 401(k) in terms of value.

[OUAndy1807]

home-owning is for suckers.

[Al Gore]

home-owning is for suckers.??????

[OUAndy1807]

don't try to understand.

[BoogercountySooner]

How many people pay more for their wheels than they do their home?

[OUAndy1807]

my Escalade cost more than my mobile home, if that's what you mean.

[sanantoniosooner]

Renting benefits SOME people.

Those who move around a lot.
Those who don't have the time to upkeep a house.
Those who aren't intelligent enought to maintain a property.
Those who don't have the means to purchase.
Maybe some other situations I overlook.

In most other cases home ownership would reap benefits ASSUMING you don't make a poor selection.

[soonerjoker]

i've bought 3 or 4 cars that cost more than our house.

but not when you allow for inflation.

been in same house for over 25 years.

[C&CDean]

I bought my first home when I was 18. A little 3-bedroom in Fayetteville, NC. I've owned a home ever since. I did have a 6 month period where I had to rent an apartment after going through a divorce, but other than that, ownership.

Renting is the absolute suck. Freaking loser slumlord owners, ****ty apartments with loser neighbors just on the other side of a fiberboard wall, no equity, no tax relief, no anything. Except a bed to lay your head on.

People that use home maintenance as a reason to rent are people that are too flakey (don't know where I'll be tomorrow), lazy (I just want somebody else to do everything fore me), tired (I'm just so tired all the time I don't wanna deal with it), sick (acceptable excuse), transient (work/retirement takes you all over the place and it doesn't make sense to own in one spot) or stupid (I like throwing away $1000 a month) to own.

If you can't afford to own, then that's acceptable. But if you can afford to waste $600+ on rent, you can afford to buy.

[LoyalFan]

Bought a 2BR, 2Bath Condo Apt (in '87) on a foreclosure.
Appraised value at the time was 76,500.00. Price I paid was 26,500.00. Was already renting it for 500.00 a mo., so monthly outlay came wayyyyyyyy down.
No rent or payments for 3 months, got deposits back, then got a check for 775.77 from the old escrow. Wish I could do that about every other year!

LF

[MamaMia]

We own a smaller 2 bedroom home in an old neighborhood that we love. We took out a short term loan. We wanted to have it paid off quickly so we wouldnt be strapped if we decide to remodel and add on. Our payments are higher than are my sons, who lives in a much bigger house.

[GDC]

I paid cash money for mine, beyotches.

http://www.ancientworlds.net/aworlds_media/ibase_1/00/06/60/00066093_000.gif

[IB4OU2]

I've shown this hillbilly house before-

http://img8.imageshack.us/my.php?image=perkinshouse3wr.jpg

My wife likes 112 year old victorian farmhouses.....the yard looks much better now cause this pick was taken before we moved in 3.5 years ago........

[Mjcpr]

My wife likes 112 year old victorian farmhouses.....the yard looks much better now cause this pick was taken before we moved in 3.5 years ago........
What could be better than no grass to mow?

[IB4OU2]

What could be better than no grass to mow?

Well the huge pine and magnolias around the house make growing grass pretty tough anyway and their needles and leaves are a bitch to constantly rake and pick up...so I think I'd rather have grass. I mow about 1 1/2 acres anyway. I'm glad the growing seasons over.....:)

[Harry Beanbag]

What could be better than no grass to mow?

There is absolutely nothing better than that. Crushed granite RMFO.

[GrapevineSooner]

Our 1,000 sq ft. 2 bedroom apartment in Grapevine cost us $750 a month.

Thanks to a first-time home buyer program our mortgage lender told us about, my little 1,200 sq ft, 3 bedroom abode in Watauga cost me all of $741 a month including the actual mortgage and escrow payments for taxes and insurance.

Yeah, being a home owner kicks the *** of being an apartment renter.

[OU-HSV]

$798.67

[OU-HSV]

We have way too many rich people on sf.com

[SoonerTerry]

who da rich mofo payin over 2g

[Mjcpr]

who da rich mofo payin over 2g

It could be any number of people here.

[SanJoaquinSooner]

in greater sacramento area: 2004 sq ft. 15 year mortgage - paying $1654/mo.

[rufnek05]

3 bedroom house. not sure how many sq ft, maybe 1800? my part is $450, bills not included.

[soonerloyal]

I'm floored at the huge price difference between Oklahoma and Florida. I expected it, sure, but the day-to-day reality just appalls me.

Yes, the pay scale is higher here. It has to be. The average rental house is $1000-1200 a month, the starting house price for a 1300 sf, 3B, 2 bath is $250,000. Y'all know how much better quality you get in OK for those prices? We could rent or own a small home in Brookhaven for almost what we pay in rent here.

I won't even get into the damn concrete/stucco and the sherbet colors...you have any idea how mich I miss beautiful brick?

[r5TPsooner]

Mortgage $2700

I have a tall glass of scotch when its time to write that check every month.

[SoonerTerry]

Renting benefits SOME people.

CREDIT

In most other cases home ownership would reap benefits ASSUMING you don't make a poor selection.


fixed

[Petro-Sooner]

I'm glad this thread was brought back up. Really. I'm fresh outta school with one credit card and school loans. In the morning I WILL go back and read through this thing. I'm a renter. I'm hearing from others, start saving for the 401K now. Ok. Start saving for a down payment for a house. Ok. Personally my CC is my big thing. Now that I have a job I want it DONE. The CC that is. After doing my math I believe I can do it in 8 months or so. Then start saving for a house. Question. Get the card paid off quickly or let the card drag and save for a house? I'm considering renting one more year when this lease is up so I can save for a decent downpayment. Again I will go back and read through the thread. Serious help is very much appreciated.

[Soonerus]

on which property ????

[Petro-Sooner]

on which property ????

Me? If so I dont understand the question.


Sorry, its late.

[SoonerBOI]

0. I'm so happy.:D

[1stTimeCaller]

I'm glad this thread was brought back up. Really. I'm fresh outta school with one credit card and school loans. In the morning I WILL go back and read through this thing. I'm a renter. I'm hearing from others, start saving for the 401K now. Ok. Start saving for a down payment for a house. Ok. Personally my CC is my big thing. Now that I have a job I want it DONE. The CC that is. After doing my math I believe I can do it in 8 months or so. Then start saving for a house. Question. Get the card paid off quickly or let the card drag and save for a house? I'm considering renting one more year when this lease is up so I can save for a decent downpayment. Again I will go back and read through the thread. Serious help is very much appreciated.


Pay the CC down first. Unless you can save your money at a higher interest rate than you CC is.

[Newbomb Turk]

0. I'm so happy.:D

ditto.

felt good to pay the house off and not owe anybody a dime.

[Preservation Parcels]

We automatically have the money withdrawn from our account, and we pay an extra $100/month toward the principle. So far, that strategy had reduced the length of the mortgage by 7 years at the back end.

[SoonerGirl06]

645/mo, bitches!

Is that how much they pay you to live up there?

[SoonerGirl06]

I'm glad this thread was brought back up. Really. I'm fresh outta school with one credit card and school loans. In the morning I WILL go back and read through this thing. I'm a renter. I'm hearing from others, start saving for the 401K now. Ok. Start saving for a down payment for a house. Ok. Personally my CC is my big thing. Now that I have a job I want it DONE. The CC that is. After doing my math I believe I can do it in 8 months or so. Then start saving for a house. Question. Get the card paid off quickly or let the card drag and save for a house? I'm considering renting one more year when this lease is up so I can save for a decent downpayment. Again I will go back and read through the thread. Serious help is very much appreciated.

Pay off the credit card as fast as you can. Start saving for a house while living as cheap as you can. Then once you do that start focusing on the 401k retirement thing.

[Frozen Sooner]

Is that how much they pay you to live up there?

Nope. That was $1694 for this year.

Unfortunately, the mortgage is $911/month now. I remodeled the place and then refinanced to pay for the remodel.

[SoonerKnight]

Oooohhhh. This is a "who's got a bigger dick pole?" I didn't know.....

:texan:

[SoonerKnight]

I totally agree. I owned a home a few years ago. After plumbing problems, neighbor trying to sue because my plumbing problems made his yard soggy, my dishwasher dying twice, my a/c never being able to keep charged, a leaky roof, problems with the mortgage company who forgot to pay my homeowner's insurance, and let's don't forget the MOTHER****ING TERMITES, I sure as hell don't mind renting.

American dream, my ***.


I wouldn't mind renting for the rest of my life. Termites? Broken AC? Huge hole in the roof? Not my problem.
:D :confused: :eek:

[HskrGrl]

I own a house AND rent an apartment. So I get the best of both worlds. :O

[soonerboomer93]

i don't own a house, and my company pays the rent on my apartment in korea...

[OU-HSV]

Instead of starting a new thread, I thought my post would be appropriate for this thread I dug up. Please read this and let me know your opinions, thanks.

I received a letter in the mail earlier this week informing me that my escrow account is MINUS $1,700! :mad: We bought our house new in Sept. '06. Apparently someone (the title company or mortgage company) miscalculated something, somewhere and I should have been paying a buttload more money in my monthly mortgage payment to go toward my escrow account. My statement shows that from my monthly payment only like 60 something bucks has been going to my escrow. I never noticed until this letter. I always assumed I've been paying everything the way I should have been....and I figured it was all set ever since our closing date. Now I get this freakin letter and I have 2 options:
Option a)pay it all in one lump sum....or option b)start paying an additional $200/month with my mortgage payment. These 2 options suck and aren't affordable for me either way right now. But obviously I have to pick one of the options so we can stay in our house. But first I'm calling the county office to be sure they plugged in our "Homestead Exemption" like they were supposed to have.
Has anyone ever had this happen to them??? And if so have you had it happen in this large of a sum?? I mean $1700 may not be much to some of you on here, and it doesn't sound like much, but for a family man like myself who has been on track trying to catch up on bills/debt...that's quite a bit of money to cough up at once. And just when I could see some headway being made on catching some debt up, I got this letter. Happy early birthday to me!

[Newbomb Turk]

shoulda kept the old truck.

[OU-HSV]

shoulda kept the old truck.
haha. Nah, I came out good getting rid of it, cause I've got a gas saver now.

[PhxSooner]

Our escrow account has had to be adjusted, but the amount was more like a couple hundred dollars. I would think that a discrepancy like yours would have shown up before now.

[OU-HSV]

Our escrow account has had to be adjusted, but the amount was more like a couple hundred dollars. I would think that a discrepancy like yours would have shown up before now.
That's what I was thinking. But I just never got a letter til now about it. And I pay my mortgage every month without really looking at the statement. Cause generally I pay online or via phone. I found some of the old statements in my desk and I've found some suspicious looking numbers. So all I can do is check into it all further I guess...before I tell them which option I'll do.

[sooneron]

Wow, you don't see too many threads dredged up with ole Stanley these days.

[OU-HSV]

yeah,like I said, my bad.. I just thought I'd pull this old thread up instead of making another for the same type topic (kinda).