Also if you own your house for less then 2 years and sell it and you lived in it you don't have to claim the profit as taxable income.

So lets say you buy a house for 150k live in it, fit it up, sell it for 200k then that's 50k tax free dollars in your pocket.

 

From the rate sheets I looked at yesterday, they're not even that much lower now to where it would make sense - unless like you said they're gonna hold it short term. But if you plan on keeping the property and are getting an arm youre just dumb lol.

 

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Gross

 

That woulda been funny

Yup and it was pretty bad lol

pretty much

theres only 3 hot chicks in here. one is black and smokin with a smokin body and face to match. The others are 2 skinny white chicks with beautiful faces. shes a trainee i think so i doubt she'll be talkin to the hot chicks who are admin asst.

 

 

How's Roger doing today?

 

still they rate goes up after 3 years on many ARMs. i'd prolly do conventional if i were gonna do that.

 

definitely well deserved for two reasons. one he just started a post saying he cant do o's and 2 he's doing them on a 50

 

My girl put chili in the slow cooker before she left for work, it's starting to smell good too.

 

I think they got rid of the short terms arms but its been a while since ive done anything mortgage related. I think the shortest term you can get now is 5 years Tom???

 

So many choices on netflix I can't make up my mind.

 

3, 5, 7 are the normally available.

 

smokin black one, huh?



yup. and she'd let her *** trumpet farts out whenever she wanted. i learned how unsexy that is from her so now i wont do it in front of anyone i date and i dont expect them to

 

I was pretty sure they still have 3 year arms but I don't really look at them cause I don't do them or haven't done one.

 

My girl rarely farts when she ever does she say's "sorry" I say I don't care cause I don't but I do it around her all the time.

 

i gotta get one of those.
too many choices is always an awesome problem

reminds me of when i used to date


yeah but from what i saw when i was looking at loan types, after 3 years the rate starts going up to a point where it's not worth it after that... not for me, at least

 

+1

I say why are you sorry, it's inevitable unless you never eat

 

right so if you were looking to flip it after 3 years you would get a 5 or 7 year arm ....

 

we used to do any term the cust would ask for here at hsbc but now its min 5 year term.. at the rates we charge there should be an option. usually the shorter the term the better the rate. now is the time to get a mortgage at a low rate and lock it in as long as u can