We’re looking at our closing disclosure and noticed a $662 cost for an owner’s title insurance that’s optional? Is that really needed or can I opt out? Do most people opt in?
I had my bach party on the weekend that was one of my bridesmaid’s birthday. It was the only weekend that everyone was available in that entire month. I texted my friend beforehand and told her how does she feel that it might be on her bday and if she has other plans or don’t feel comfortable not being able to celebrate or having to celebrate me on her special day, then please let me know or don’t feel bad for not coming because I totally get it. Sometimes a birthday is important and I never wanna take that away from someone. She told me she’s happy to still come and love that she gets to celebrate me because a bach and marriage is much bigger than turning 28 and on top of that, birthdays happen every year. She kept assuring me so in my head I thought everything was good. Come the weekend of my bach trip, she forgot to pack makeup and freaked out. I was nervous and wanted to make sure she was ok so I took her to Sephora and cvs. She spent 2 hours in the stores shopping for makeup and cried. I offered her to use mine and she refuses. Threatened to go home. we finally figured out a solution and ended up delaying the trip for two hours which made the other girls upset. I’m trying to be peacemaker and tell everyone it’s ok, trip is still fine. I didn’t get to use the hot tub and pool because of that delay but didn’t want to express any disappointment to avoid drama.
Then the rest of the day she kept complaining do we really have to do the activities that I told my MOH that I wanted to do. And what happens if we just don’t. I just laughed it off and pretended she was just kidding. The whole trip she refuses to wear her bridesmaid sash and bridesmaid matching shirt. Then all next day, kept bringing up and only talking about her birthday. The rest of the girls felt awkward bc this is their first time meeting her so they don’t know why they should celebrate a random girl’s birthday over their friend’s bachelorette/wedding. She made a scene that she didn’t get good solo birthday pics and told me she had to go home early bc she had scheduled birthday FaceTimes. I didn’t want to make it a whole thing so I told her she can go. When we came to Airbnb and hung out, she stayed in her bedroom the entire night. She also was always the first one in the bathroom to get ready and even had me, the bride, got last to get ready every day.
Then a week later texted me that she felt that she was ignored about her bday all trip. I told her I wished her happy birthday at midnight and even took time to ask her if she had bday plans when we come back and how was her celebration with her bf the week before. So to me, I did acknowledge it but bc MY friends didn’t throw her a bday celebration on my bach trip, she felt neglected. I asked her if there was miscommunication and why did me wishing her happy bday not enough and when we got back I even handed her a bday gift I prepared and waited for the trip to be over to give? It’s been 2 weeks and still no reply from her and my wedding is in a month. I’m considering uninviting her from the bridal party and wedding bc my friends think she’ll try to ruin my wedding too out of insecurity and jealousy. She also kept bringing up on the trip how she really wishes her bf proposes to her now and trauma dumped the relationship onto girls she just met.
How much are you guys paying for home insurance and what company? Our cheapest quote is USAA at $1,160 before bundling auto + home
We just did our inspection today. Minor water damage due to gutters buildup, old roof (probably will need new one in 3-4 years), exterior painting is peeling off and inspector recommends new vinyl siding, and chimney needs heavy fixing and crowning issue. Are any of these super big concerns in your opinions? And has anyone done a level 2 chimney inspection and can tell me if it’s worth it? Or has anyone negotiate with seller on similar issues and know how to word it?
So I’m a little confused when it comes to loan types and shopping around. To preface, we are first time home buyers and in our mid-late 20s so please be easy on us. So we just got our first preapproval- my fiancé’s credit score is 640. He only has 1 credit card that’s barely used, has $30k student loans, and currently makes $110k. My score is 718 and have 3 cards used often and always paid off on time, no loans or debts, and currently makes $138k. The lender told us to go FHA due to scores and said he can do conventional but it seems like FHA might be better for now bc the interest rate will be lower. My question is what can we do in the next few months (6 months) to get it to a good point for conventional rate and what is a good conventional rate? Should we still look around? Should I drop my fiance and just use my score and income to get a better rate? We plan on putting 10% down payment and in the NJ market so hoping to get a house in the $500-600k range. TIA!