I guess that we will never know because they only posted a few pictures
$125,000 3 bedrooms, 1 bathroom, and 1,018 square feet
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3 bedroom 1 bath home plus a large outbuilding that could serve a 1 car garage and work shop or extra large shop. The 1955 home is being sold ''as-is'' but it has had substantial renovation in past couple of years. The original supporting structure has been replaced so floors are sound. Kitchen and bathroom have new Luxury Vinyl Plank and the bathroom has been completely redone. One half acre lot with great views from the front deck.
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It says Show Low, but it is a block from the Clay Springs post office, which I guess isn't as separate a community as the people there want to think. It only has septic and propane, though.
I started applying for a home improvement loan, but I started working on other projects when it asked for pay stubs and W2s. I am 1099 and my employer has never given us pay stubs. I don't have any idea how much I am receiving before I get my check. Since my supervisor doesn't let me know that she approves my notes I am never certain that I am receiving anything!
I receive different rates for different clients, so that makes it difficult to figure it out beforehand. I am supposed to pick up another 2 hours, a client they transferred me from another therapist (which is usually a bad sign), and the mom of a client that has always been approved for 2 sessions a week finally randomly decided that she wants 2 sessions a week, except they already miss sessions frequently, and when they do connect it is invariably late.
They were 25 minutes late this week! That seems excessive for a 45-minute session! I rushed through so that I would be on-time for my next client and they were 25 minutes late, too!
Then a regularly-scheduled client never responded and a make-up with the client that is now supposed to be twice a week at the same day and time couldn't make it because he was going to a birthday party!
I was able to figure out my payroll login and download an unlocked 1099. It also shows my old paystubs.
Unfortunately, they since changed payroll companies again, which I am sure isn't any cause for concern.
Hopefully I can figure out how to access the new pay stubs with the new company.
I just need to figure out with which company I was applying for a loan.
Well, I am not talking about hauling off a mobile home and building a real one. I can pursue a VA renovation loan. Some Veteran service with whom I have an account does these. Navy Federal? USAA? AAFMAA?
VA Nationwide and
National VA both do, as well as
OVM Financial and
Homebridge Financial, but
Navy Federal does, too, so I should start there, but will this house stay on the market long enough? Arguably I should have already gotten approved even though I haven't seen an opportunity like this in 2 years, which was why I was trying to find a run-down mobile home.
Zillow says that with $0 down and 4.126% the mortgage will be $606, taxes $82, and insurance $44, for a total of $732, which brings me back to my question in the subject.
Weird. That is the calculator in the listing, but their
VA Mortgage Calculator says 2.495%, $105 for insurance, $113 in taxes, and $494 for the mortgage, totaling $711.
Why are they different?