Spook's right! It doesn't matter if you had a contract as they have a contingency on appraisal and getting a loan. Anything over the appraised value you will pay plus the down payment. The down payment could be as high as 20%. In addition you have to qualify for a loan, that is based on the bank's assessment of the security of you job and how much you make relative to the payment (not the teaser rate either). If I remember correctly the monthly can't be more the 25% of your monthly pay and your total monthly debt can't more then 28%. When I was close to those number I felt like I was really strapped. In today's market if the owner won't budget just take your appraisal and inspections (they are yours if the owner wants them sell them) and walk away. There are so many places empty today its unbelieveable. Suggestion--Ask the bank what they have and are trying to sell.
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Today's Featured Article - Fasteners: The Nuts and Bolts of Nuts and Bolts - by Curtis Von Fange. The nuts and bolts of nuts and bolts is an interesting and essential piece of knowledge that applies to our older tractors. An improperly torqued capscrew on an engine head or a shear bolt that is too hard on the driving shaft of a bushog can create havoc and make an expensive and uncalled for repair. Let�s examine the purpose and design of these fasteners in order to ensure their proper use. Fasteners are probably one of the aspects of mechanics that is given the least amount of thought.
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