Marriage and the Power of Divorce

Zzen · May 31, 2015

Just caught up on this thread. Jesus Fucking Christ Onoes. I think you are a generally good dude, but Jesus Fucking Christ.

How you do not see the red flags that your ex will one day exploit your inexplicably not legally binding separation arrangement to ream you financially is beyond me.

Tarrant · May 31, 2015

Bob Book_sl said:
Just caught up on this thread. Jesus Fucking Christ Onoes. I think you are a generally good dude, but Jesus Fucking Christ.

How you do not see the red flags that your ex will one day exploit your inexplicably not legally binding separation arrangement to ream you financially is beyond me.

Damn it, now I want to watch The Social Network again.

Onoes · May 31, 2015

I'm not sure how other states do it, but in AZ there was a ton of paperwork going over every single bit of that, and then during the divorce the judge had to go through it all and approve it. So for example, there is a whole section about each car, their worth, and who gets them, that we both had to sign on and agree too. There is another section like that for the house. It's not like I'm just hoping all goes well. If she wanted to try to screw me on it, how exactly would she do that? Go back to court and say she changed her mind and wants half the money? By that logic, she could do that even without her name still on it.

The Ancient_sl · May 31, 2015

It's not the house, it's the child support.

Famm · May 31, 2015

If you and her and the judge all signed off on an agreement you should be safe. Its still a major potential hassle down the road having her name on the deed though.

Are you worried about mortgage insurance because the house is underwater?

Tenks · May 31, 2015

Famm_sl said:
If you and her and the judge all signed off on an agreement you should be safe. Its still a major potential hassle down the road having her name on the deed though.

Are you worried about mortgage insurance because the house is underwater?

He lives in AZ not TX

Khane · May 31, 2015

Arizona got hit about the hardest during the crisis. Maybe only Detroit and Las Vegas got hit worse.

opiate82 · May 31, 2015

Khane_sl said:
Arizona got hit about the hardest during the crisis. Maybe only Detroit and Las Vegas got hit worse.

I think you are missing the joke...

Khane · May 31, 2015

I definitely am. I've been sick, guessing TX got hit by some mother nature shit?

opiate82 · May 31, 2015

Khane_sl said:
I definitely am. I've been sick, guessing TX got hit by some mother nature shit?

Closer to Old Testemet vengeful God hitting the reset button type of shit, but ya.

Adebisi · Jun 1, 2015

I read onoes story as if it were a Louie episode

lurkingdirk · Jun 1, 2015

I bet Louie CK would incorporate onoes story into the plot line of his show. Some one contact him.

Onoes · Jun 1, 2015

House isn't underwater, just paying $100 vs. not paying $100 more a month, for nothing, is annoying.

House was build in 2006 and sold for $240,000, was foreclosed on within 6 months. I bought it at the end of 2008 for 118,000. I currently still owe 104,000, and it's probably worth 125,000-130,000. So no, it's not upside down or anything. I just currently have a $650 a month house payment, and I have no desire to raise that up by another hundred, while also having to start a new loan again, which means a few more years of basically all cost going straight into interest.

So yeah, I want to move at some point, so the thought of going through all the trouble and cost to refinance, then having higher monthly payments that contribute less to the actual principle, just doesn't sound awesome.

iannis · Jun 1, 2015

I also do not understand why any sane person would refi for more money.

Loan officers are almost the same level of scumfuck as lawyers.

Famm · Jun 1, 2015

I just thought mortgage insurance was for when your loan is greater than your value, like underwater or with a bunch of equity loans tacked on. IDK though, maybe it varies.

Soygen · Jun 1, 2015

No, it's usually for when your loan to value ratio is greater than 80%. It's basically protection for the bank for people who can't afford, or don't want to put 20% down on a house.

Hoss · Jun 1, 2015

Yeah, which makes me wonder why he would suddenly have to do Mortgage insurance. I don't know how refi's work, does the refinanced amount have to be 80% or less of the appraised value? Cause if so and it appraises for 130+, you're ok. if it appraises for 125 you have to throw 4 grand at them to avoid the assfucking.

Big Phoenix · Jun 2, 2015

Soygen_sl said:
No, it's usually for when your loan to value ratio is greater than 80%. It's basically protection for the bank for people who can't afford, or don't want to put 20% down on a house.

Mortgage insurance doesnt make anysense unless the mortgage isnt inline with what the house is actually worth. All a scam.

Onoes · Jun 2, 2015

When I first bought the house it was through a government loan that required no money down, and didn't require Mortgage insurance. When I refinance it will have to be with a traditional loan, which will require mortgage insurance. So yeah, I will be paying about $100 more a month for nothing.

Hoss · Jun 2, 2015

As we just told you, that's only if you finance more than 80%.

Marriage and the Power of Divorce

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