tag:blogger.com,1999:blog-7926886679239557816.post4624542138689732072..comments2013-04-25T15:37:26.941-07:00Comments on The Move to Cleveland...Our Adventure: Update on Rant and a Warning!Anonymoushttp://www.blogger.com/profile/15914703285978645487noreply@blogger.comBlogger7125tag:blogger.com,1999:blog-7926886679239557816.post-74058523575478965762012-11-16T05:57:15.792-08:002012-11-16T05:57:15.792-08:00Definitely follow up with your loan officer. And I...Definitely follow up with your loan officer. And I am so jealous of your central vacuum:( I should have pushed for that! <br />As for fridge, I am surprised none of your choices included an external ice maker. That was a must for us too but the stainless one we got has it. Personally, I really did not want to roll that into our loan either but husband knew we would be purchasing SO many other things that he didn't want to deal with picking out a fridge too. Frankly, if I don't like it, it's going on Craigslist right away. Lol. Anonymoushttps://www.blogger.com/profile/15914703285978645487noreply@blogger.comtag:blogger.com,1999:blog-7926886679239557816.post-73926744733822055102012-11-16T05:52:31.171-08:002012-11-16T05:52:31.171-08:00Julie, you are right. The Guardian stuff used to n...Julie, you are right. The Guardian stuff used to never be allowed, then they went totally in the other direction, allowing everything. Well apparently NVR got audited and have new policies. Luckily, our appraisal came back higher than our purchase price, even with the NVR stuff but I was very worried, especially since we are one of only two ranch styles in our entire community (and there are a couple hundred homes). The appraiser had to use homes from surrounding communities but luckily they all sold higher than our cost. <br />I pushed them for an early per-appraisal right at the beginning of the build based just on the specs and upgrades to make sure we werent over-upgrading. Maybe I should write a blog about that. Anonymoushttps://www.blogger.com/profile/15914703285978645487noreply@blogger.comtag:blogger.com,1999:blog-7926886679239557816.post-4325728507543490952012-11-16T05:07:41.340-08:002012-11-16T05:07:41.340-08:00We contacted our loan officer and he has not respo...We contacted our loan officer and he has not responded. We added all the same things as you minus the refrigerator. I hated the options that they provided us with for the refrigerator. Non of them had external Ice makers. We did get the central vac. the FHA loans let you add pretty much any thing into their loans. I will just have to wait and see if my loan officer gets back with us...Anonymoushttps://www.blogger.com/profile/05400056828947188772noreply@blogger.comtag:blogger.com,1999:blog-7926886679239557816.post-69861354348414367792012-11-16T04:44:29.885-08:002012-11-16T04:44:29.885-08:00It seems like they go back and forth on this stuff...It seems like they go back and forth on this stuff, I've heard it mentioned on other blogs, as well as the conversation I had with our SRs when I didn't want to sign the contract clause that says buyer has to come up with cash if the appraisal doesn't come through high enough. I guess at times in the past all guardian stuff had to be paid for separately, and there have also been times when you could add plasma TVs to your loan through Guardian. The risk is that it costs a lot more than the value it adds to the home, and then the loan won't go through if the appraisal doesn't cover it.Anonymoushttps://www.blogger.com/profile/15209711478107659611noreply@blogger.comtag:blogger.com,1999:blog-7926886679239557816.post-24905087573341271062012-11-12T05:47:46.655-08:002012-11-12T05:47:46.655-08:00Hi Melissa. We have a conventional loan. I'm ...Hi Melissa. We have a conventional loan. I'm not sure what caps include but we added $30,000 in upgrades, including the surround sound with guardian. The only thing they won't include are things that can "walk away from the house". So the built in speakers are fine but the receiver, remote, and sub woofer have to be paid for, which is about half the package cost. Also, if we had done the Cental vac, the actual hoses and vac would have to be paid out of pocket. But, I find it odd that they let us include the fridge. I know many people who take their fridge when they move. You may want to call guardian or NVR to check on your loan. Guardian said that NVR recently got audited and they caught all these loans with non-allowable upgrades being rolled into mortgages. Anonymoushttps://www.blogger.com/profile/15914703285978645487noreply@blogger.comtag:blogger.com,1999:blog-7926886679239557816.post-11892287083818586742012-11-12T05:22:24.271-08:002012-11-12T05:22:24.271-08:00I wanted to ask what type of loan you are getting ...I wanted to ask what type of loan you are getting (i.e. VA FHA CV)? We were told that with VA you had a cap on how much you could add (I belive it was about $4500) into the mortgage. This worries me because no one has said anything and we had all of our Guardian rolled into the mortgage but we are getting an FHA loan which does not have a cap...<br /><br />MelissaAnonymoushttps://www.blogger.com/profile/05400056828947188772noreply@blogger.comtag:blogger.com,1999:blog-7926886679239557816.post-59452707533302423452012-11-10T00:02:33.462-08:002012-11-10T00:02:33.462-08:00Wow... crappy news about the Guardian stuff! I...Wow... crappy news about the Guardian stuff! I'm sure that's going to upset quite a few people. I can't imagine how some of the people that got all of the bells and whistles are going to take that news. I hope it doesn't put you in too much of a bind.<br /><br />Good luck getting all of the other issues addressed quickly.Mhttps://www.blogger.com/profile/17790926191971819040noreply@blogger.com