BYC Café

[Sally PB]

All the fun of hatching and watching chicks grow! I'd do that in a heartbeat too, @DobieLover!

 

[ShrekDawg]

I ended up having a light Greek yogurt cup lol the one with blueberries. It was good but I might need something else later. I’m still hungry lol

 

[Mtn Margie]

Good morning and thanks for the hot coffee! It is still cold here, in the teens. Sun and 40F for the afternoon though.
Another Doc run today. This one was scheduled after yesterday's visit, so...we shall see what the day brings for my neighbor.
Those pics are so cute, LF!
Enjoy the day, Cafe!

 

[sourland]

Good morning, Cafe', and thanks for the coffee/pictures/laughs.

 

[LaFleche]

What was her hatch rate?

This time 11 out of 13 fertile eggs. One malpositioned did pip on the wrong side and one got plastered while hatching.

Last year she hatched 9 out of 9 fertile eggs.

 

[growanstede]

Good morning, thanks for the lovely baby pictures. I brought more coffee and some mini apple turnovers.

We're dealing with a weird situation here--we're trying to get a HELOC to finish up our siding project (THANKS INFLATION) and the appraiser is being...odd. She was asking super invasive questions about our intentions while she was here, and went back to the bank to ask what they wanted her to do, because we have a really old kitchen and 'are living on subfloors'. Huh? I don't understand how she needs to be involved like that, or why there is any sort of question--what we need her to do is finish the appraisal. Now the bank is trying to tell us how we need to spend the funds, but we don't have a dollar amount in any way yet (value of the house or how much equity they'd be willing to forward us). Kicker is---this house is 150 years old. We bought it as a fixer upper, and we're in the midst of everything, living in a constant construction zone. We don't have subfloors. They're the original floors of the house, just unfinished. I feel weird now about having someone who is meant to be impartial come into my house and look down their nose at how we live.

Has anyone ever challenged an appraisal before? Here is a pic of my dining room, just because.

 

[DobieLover]

are living on subfloors

Clarify this to the bank that they are the original floors to the house, just unfinished. Provide the picture.

I don't understand how she needs to be involved like that

Because appraisers have to know the full intent of the appraisal. In this case, the bank wants to know the level of risk in the event you default on the loan. With a HELOC, the house is the collateral and it needs to be in 'sellable' condition. Not just to flippers but something that could get a conventional mortgage, not a construction loan.
Do you have a mortgage?

living in a constant construction zone

I've been living in construction zones for almost 14 years. Still not done with my house.

who is meant to be impartial

She's not. Even though you are paying for the appraisal, it is for the bank. She's looking out for their best interests.

 

[growanstede]

We do have a mortgage, this is technically our second mortgage. They did ask about the floors, and I explained. I also explained that at some point they will be finished or replaced, but that the floors are the LAST priority. With the location we're in, and the property surrounding it, this house would go in a snap, but it's MINE MINE MINE. I'm keeping it The latest two properties around us to be sold went at auction and the houses were in crappy condition (okay, similar to ours). 7 acres and 10 acres respectively (we have 10) and they went for 400k and 650k. One family is gutting their house right now. I'm not saying we're worth a million dollars but I wouldn't be trying to take out equity that's not there. We paid less than half of what those houses went for.

 

[growanstede]

I think what I meant by impartial is that I thought that her personal feelings of what's livable or not, or if she likes our house or not should not come into play. She should just be taking photos and giving the boiled down factual version of the condition.

 

[pennyJo1960]

Good morning Cafe woke a bit late this morning.
Have my first cup beside me now.