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Back on topic:

Under contract, inspections done, we're in the 10 day option period. I think we have until Friday for the option period. We close 7/25, and my morgage guy got us locked in at

4.375%

So...We're stoked about that.

OldCurlyWolf wrote:Under the law even if you are not dealing directly with the listing agent, the agent you are dealing with is legally an advocate for the seller. An ethical one will inform you of that.

BTW, in Texas most mortgage companies and banks, etc. require a survey and the buyer is supposed to be supplied with a valid copy of the survey, I.E., NOT a xerox copy. Those are violations of copyright law. Nor one with a "Seller's Certificate" stating that nothing has changed. That is a violation of the professional surveyors act. Title companies have a habit of breaking laws and realtors and their agents have a habit of abetting them.

We better quit this line of discussion on this board. We are getting into areas that might be considered too far Off-Topic.

Eh. It's my post. Go for it.

Also - we put in an offer today

Pre approved!

I only wish I was moving into Austin.

Someone tell me that buying a home gets easier as you go along. My fiance and I decided we are going to buy a mortgage, I mean house, and this process is crazy. I'm wrapping up my life story for the mortgage underwriters now....

Hopefully we can lock in one of the amazing 4.x % interest rates.

This processes seems needlessly complicated...the whole title company, mortgage company, realtor, builder, tax man inside network is shady at best. There is a whole different language associated with this process to make sure all of these people get their cut. Makes me wonder how many unnecessary business models are kept afloat merely because of the confusion of home buying. Why is the MLS info so secretly guarded under lock and key? I'm looking at one of the pre-qaul deals for the mortgage and there is like a billion dollars in fees for different people along the way. The underwriter's fee is as big as the mortgage payment portion of the payment!!!! I need to switch careers.

(No offense AR - I actually appreciate our realtor who is a long time family friend. She, and our mortgage guy, seem like the only necessary pieces of this deal - they seem to provide a great value added service).