Dyk the Cuckoo comes in April?
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Dyk the Cuckoo comes in April?
| Thu, 04-01-2010 - 1:33am |
Dyk
"The cuckoo comes in April,
Sings a song in May:
Then in June another tune,
And then she flies away."
- English Rhyme


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dyk we are set to go to the zoo tomorrow
"dyk I hear you. We have been fighting with Bank of America - they suck. They say we have to pay an "escrow" reserve but we get 20% off of our taxes now due to a homestead exemption."
DYK Explain more about this please, Karri?
DYK We may be in the same situation?
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dyk this morning at 10:51 TNMP turned our power off
dyk um..... hello?
dyk by 11:50 they had it back on
dyk WTH people!!!
dyk Deklan was being so loud he woke Ellie up TWICE
dyk so I put him in bed, and he's in there wailing - for Daddy
dyk Daddy isn't coming to save you!
DYK our mortgage was originally with Countrywide.
dyk Daddy isn't coming to save you!
DYK this made me smile.
dyk In TX, if you are in your house as of 1/1 of that year, you get what is called a homestead exemption which is 20% off your taxes including MUD. You have to send in an application.
dyk BOA sent us a letter stating that we would be short based on our 2009 (no exemption b/c we moved in Fed). It was 16.25% (I think) of some random number so they wanted a reserve.
dyk We really wouldn't have been short. We started making house payments in April so after they paid everything, that is why we had $5 in our escrow account. If we would have started paying in Jan - everything would have been ok.
dyk The county sent us a letter stating what they are going to tax us at this year so I had to fax that letter to BOA. They removed the reserve. They did raise it $40 a month b/c our MUD (Municipal Utility District - water system) hasn't sent us their paperwork instead of $100 like they wanted to.
dyk Once our MUD get their homestead paper work to us, it will go back down.
dyk We are still going to over in escrow account after they pay our taxes and insurance. I don't know if they just keep that money or if they have to send it back to us.
dyk We didn't know that you just not escrow this stuff or else that is how we would have set up our loan from the start.
dyk Its been a huge mess b/c they lose our paperwork all the time.
Thank you to Tundra_girl for my siggy!
dyk Our first lender would let us pay 1/2 at the first of the month and 1/2 at the 15th but apply the payment so over time, we pay less in interest.
dyk BOA holds the payment until they get it all, then they apply it.
Thank you to Tundra_girl for my siggy!
It was a long three months until they finished their reorg and left Fred's department alone. They are 20% busier now.
Thank you to Terra (belle_petite) for my siggy!
dyk If you get your house reappraised, do you have to tell the County if it appraises for more?
dyk Let me guess, you have to pay for the reappraisal?
dyk I know our house is worth more than the County says. They just go off of the sq. feet.
Thank you to Terra (belle_petite) for my siggy!
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