its mr sarcastic to you

How could she do that when someone, who shall remain nameless, keeps taking the rocking chairs everyone has... Oh and our new house has a big ole rocking chair front porch AND a security system...

She prolly will...

Sounds amazingly similar to the house we are building... We have looked and looked but there are almost no ranches out there on a full basement, which is why we resigned ourself to building... We just are holding our breath on the appraisal because, like you said they are not cheap plans to build.

I envision her sitting on her front porch, on a white swing drinking sweet tea in her white lace dress soon...

That is pretty close... Also, another option that was suggested to us is to stage the work. For example, if you want a five bedroom home on a finished basement consider compromises. Such as, build the five bedroom plan but only finish the two or three bedrooms you need immediately and leave the basement unfinished. Then have an agreement with the builder on finishing those items after you close and obtain a second mortgage. This will keep your initial building budget down. We had to have the plans, a construction line item budget, the lot info and the builder approved before we could get

I called around to a lot of banks and the only one I found that budged off the 25 percent was the one I went with.. The do offer loans at 90 percent of the construction costs or 80 percent of the appraisal, whichever is lower. But honestly they seem to be so conservative on the appraisal it ends up being the 20 percent. The only option around that is to find a builder who would finance it for you and then you get a regular mortgage in the end. But unless you are going into one of their subdivisions you will be hard pressed to find one willing to do it. Also, we thought we were going to be

You can't tell?!?!?

Um.. It's purty ...

We are in the process of doing this now... Any good builder can tell you if a lot can accommodate a basement. The plat will tell you what the setback lines are and the builder can tell you approximately what size footprint you can build. You can also make your offer on the lot contingent upon it being a lot that will pass all requirements the builder sets.Our biggest pain was the construction loan approval. It is much tighter than a regular mortgage. If you are not planning on putting down at least 20-25 percent, have low debt ratios and above 700 credit then forget about it, no one will

ADP does our payroll and nothing has changed, our last payroll was today....

I think we all get your point loud and clear....

Agreed, I have zero sympathy for her, nadda... Nor do I think he deserves the comfort of his mother. But I would totally see her desire to be with her kid...

I think you are missing her point, she is not defending the woman, she is saying what she would do if she was the woman and her child was hurt. Everything in my mind would only focus on my kid is hurt and how do I get to them. Doesn't have anything to do with being a "sister"... Anyway, that is the way I am interpreting her posts...

Until you are in the situation you can't say what you would or wouldn't do... It's easy to talk big and I am sure you believe what you are saying but you never know what you would do until you were in that situation.... I for one could not imagine turning my back on my kid, not saying it couldn't happen, but I would also never dare to say I would either.... I agree that they shouldn't get any courtesy or kindness, but I agree with the other posters statement.

I wanted to have fun too Miss Sensitive Pants...

"all ready" Ms Grammar Nazi...

Does the birds and the bees movie in health class count?

That is very true... I know multiple people who were foolish with their finances and got in over their head, then modified to a rate half of what I pay and got a chunk knocked off the principal as well. Those who never missed a payment and had great credit were denied for the same rate. Great credit USED to be an asset and got you more favorable rates than anyone... Not so much anymore.

Congrats to him!

It IS their own business if the people are making an eyesore in the community because it affects their home value and the home value of everyone around them. Just because they are not in the subdivision does not mean the eyesore or potential eyesore won't affect them. If they want to make a collection and let it rot in their back yard, then they can invest in a privacy fence so that other people don't need to make it their business. It can not only be an eyesore but it can also attract some not so welcome animal visitors if the cars are just left to rot there and then it also becomes a hea

Um, I don't see running people off as a bad thing... I think it would be kinda fun... Get yer panties outta a wad...

Um, YOU were the one who said YOU would run everyone off and I said that the owner of the site does it, so it shouldn't be a problem. How is that mean?

Maybe people stay later to clean up and stock and they are getting them when they are leaving?

Heck that sounds much like the owner of the site, so you'd probably be just fine!