If you get a mortgage and a minivan, I hear elfreak will golf with you on the weekends.

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There are more things in heaven and earth, Horatio,
Than are dreamt of in your philosophy.

He is going to be living in a cardboard box and living off those random mushrooms he finds outside.

quote:

Originally posted by jupiterone weren't you going to also buy a boat?

He changes his mind every week.

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quote:

Originally posted by AustralianGQ im a failure with females...i will be the real 40 year old virgin i guarentee you

I think he ate too many mushrooms, and he isn't posting anymore WTF ashley get back here.

you are a fucking bum

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ania will you marry me?

quote:

Originally posted by ******** Since I am deemed permanently disabled I qualify.

NEW LEGSSSSSSSSSS!

quote:

Originally posted by fbgdavidson I currently work in the mortgage business and this is complete carp. The company I work for use an automated underwriting system (created by Fannie Mae in accordance with their guidelines) and it is perfectly happy to approve people whose mortgage payment consists of 55% of their monthly income...before taxes and without verification of any assets! As for credit even mediocre credit scores don't penalise you on the interest rate, though you could be shelling out anything up to 3% (if you have a credit score in the 500s!!) but more likely a fraction of 1% of your loan amount as an up front, one off adjustor. I don't make the rules for the provider I work for (or Fannie Mae!) but it scares me when I see the system approve some people and situations bearing in mind the myth that credit is so hard to achieve. But the rule with us (and the investors I work with) is if the automated system is happy then we have to approve the loan. I'm glad I wasn't in the business during the subprime era (or was part of a company that did subprime loans) because I'd probably be genuinely frightened by the stuff I'd have seen.

hmmm...well i'm mainly speaking for my area. and my information/sources comes from bankers lol

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My soliloquy may be hard for some to swallow, but so is cod liver oil.

quote:

Originally posted by notelfreak man i can't believe i tried to come off as responsible in that other thread, i am so full of shit just don't tell anyone

quote:

Originally posted by ******** or you earn over $100000 a year.

ding ding ding


dude if your unemployed, you cant pick and chose what job you would like to do.... you take ANY job

i bust my ass for the money i make, and i know lots of people who are on welfare, and they busted their asses too right up to the point where they got laid off, but they are looking for jobs and not sitting on their ass blogging on the internet about eating wild mushrooms and weeds and how they are going to buy a boat and a house.....

being comfortable accepting free handouts for the rest of your life is a pretty sad existence dude. Being able to support myself and my hobbies is a great source of pride for me, i really hope you grow up some day and quit relying (see abusing) on social safety nets, and make something of yourself....


now if you would all please excuse me, i need to go spend some federal stimulus plan dollars...... yay infrastructure.

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quote:

Originally posted by pkcRAISTLIN I have 3 hobbies: gaming, DJing & correcting maladjusted fools on the internet.

quote:

Originally posted by pkcRAISTLIN Yeah, I’d like to know what horrible, scarring incident in your childhood turned you into such an ignorant, intellectual-hating philistine?

quote:

Originally posted by notelfreak you are a fucking bum

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ania will you marry me?

This is strange coming across this thread today, as I just put in an offer on a perfect house for me Only thing is, is that place is being sold as a "short "sale" which means the bank owns it and they can drag their feet for 45 days before I even get a response. Not the best situation, but it is worth it trying to get this place! On top of this, if they come back with a counter offer, they can then wait another 45 days to notify me again if they accept it or not. Other people can come in and make offers as well. Fucking stressful as I want this place really bad

Just bought a house for 95k that is worth probably 1.5 times that.

Great time to buy.

I wouldn't do it on 13k income, though.

where do you live?

that is really cheap. A 2 bedroom condo here goes for 170k.

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ania will you marry me?