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Tool Talk Discussion Forum

Re: O/T Bankers

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03-15-2013 13:59:15

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As a banker myself, I feel for your frustration. The govt is definitely making things alot more difficult. The days of handshake deals are long gone. Absolutely everthing needs to be documented and proven. So it doesn"t matter who you are or your previous relationship with the banker. The bank can get into very serious trouble without all the info. I would contact the bank and talk it through with them. If you are not satisfied with the discussion, there are more banks looking to lend out there

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03-16-2013 03:45:55

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 Re: O/T Bankers in reply to Shimano, 03-15-2013 13:59:15  
I like how smart bankers are. When I was trying to but my first house I went to a bank and applied for a loan. I was paying 60% down, had a job that would enable me to pay the loan back with no difficulty. The smart banker turned me down, said I was 21 single and a bad risk.

This property was four acres and a house. My uncle asked a friend of his who did not even know me to co-sign for a loan where I could buy the house and one acre. Then at a later date buy the remaining three acres.

I paid off the co-signed loan and bought the remaining three acres a few years later. The co-signer became a life long friend. And I saved a ton of money by not having to deal with the bank and their B.S.. That bank actually did me a favor at their expense.

Ask about a contract for deed from the seller. Increase the mortgage on your house. There has to be another way.

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