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Old 01-18-2013, 05:31 PM

RE: Any tips on buying a house?

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dianak9938 dianak9938 is offline
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Quote:
Originally Posted by luvcoup111
Shelf liners and door liners go a long way.. Shop around for best interest rates like credit unions etc. new energy saving appliances... Cfl bulbs etc. good luck
Yeah that's true with the liners!!
I was thinking that about the credit union, when we bought our car we almost settled for a loan through capital one with like 17% interest. Well when they verified my husbands income it didn't look like he made a much as he really did because he was paid by the job not the hour unless he didn't make enough to equal minimum wage then they'd fill in the rest, so his employer could only verify minimum wage as his income. They told us we weren't approved for the loan anymore and had to bring the car back right away, so I asked if we put more money down on it would that change anything. We ended up putting $2000 more down, getting a loan through a credit union, and an interest rate of 4.99%.
That whole mess saved us TEN THOUSAND DOLLARS!! In interest. For a $13,000 car. Our payments were originally 370/month for 6 years ($27,000ish total), now they are 270/month for 5 years ($16,000ish total)!!! I can't believe what we almost ended up paying
Sorry, had to tell that story but that is the reason I am thinking a credit union is a good place for a good interest rate! Maybe even better since we have a car through them!?
We are definitely into energy star appliances, we have the cfl bulbs, energy star tv and deep freezer.
Thanks!!
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