X-post---Revision news inally!!

[Guest guest]

In a message dated 12/9/2003 2:23:47 PM Pacific Standard Time,

hevnbound1@... writes:

> Does anybody know anything about realty and home loans? How long do you

> have to own a home before you can get a home equity loan?

>

> Blessings and hugs,

> Laurie in WI

> DS wannabe

>

Hi Laurie,

You don't have to own you own home for any length of time for a home equity

loan (aka second mortgage) -- your home just has to have appreciated enough to

have the added value to cover the loan (and you have to have the fund to cover

the payments). LOL

You're right about August not being far away...time passes soooo quickly,

it'll be here before you know it. I'll keep you in my prayers.

Hugs and blessings, Ann

[Guest guest]

Hi everyone...

Sorry I'm cross-posting this, but I wanted to send this out to all my groups so

I didn't miss anyone. Just delete if you've already read it somewhere else.

I finally went thru my medical records that I received back in September (while

recovering from a different surgery) and contacted Dr. Keshishian's office about

what to do next. The records are incomplete, so I called my clinic here and

they are going to send the additional ones. Hopefully they won't charge me

again.

I was going to call the office in Delano, but I can express myself much better

in writing and then I can make sure I don't leave anything out, so I emailed

Wiggins w(hat is her position, anyways? Can anybody tell me?) and

I'm waiting to hear back from her now. She's usually pretty prompt.

Anyways, I asked if I can be penciled in for August 2, 2004. We'll see what she

says. But I suppose they will want all the medical records to review before

doing that.

I'll keep you updated as things progress. August isn't REALLY all that far

away. It's going to go quickly...I just know it. Please keep me in prayer that

I will be able to get everything arranged at this end and that finances will be

available for the whole shebang.

Does anybody know anything about realty and home loans? How long do you have to

own a home before you can get a home equity loan?

Blessings and hugs,

Laurie in WI

DS wannabe

[Guest guest]

In a message dated 12/9/2003 7:16:29 PM Central Standard Time,

hevnbound1@... writes:

> Does anybody know anything about realty and home loans? How long do you

> have to own a home before you can get a home equity loan?

>

> Blessings and hugs,

> Laurie in WI

> DS wannabe

>

Long enough to have some equity in it.....Do you have a 401 K? you can W/D

money from it to pay medical expenses. That's how we did it...for the most

part.(allmedical and travel expenses are tax deductible!)

in Bama

<A

HREF= " http://hometown.aol.com/mdl1031/myhomepage/profile.html " >

http://hometown.aol.com/mdl1031/myhomepage/profile.html</A>

VBG to RNY revision 1996-Failed

Rny to Ds revision 12/06/02

Down111lbs!!

Thanks to Dr. K!

[Guest guest]

Hi Laurie!

I hope everything works out for the date you want. As to how long

you have to own your home to get an equity loan: It just depends on

how much equity you already have. For instance, if you've lived in

your house for three years, you've paid off a certain amount of your

principal on your loan. That amount (your equity) is what you are

able to borrow against. (Usually 80% of the total equity.)

Hope that helps!

Tracey

> Hi everyone...

>

>

> Does anybody know anything about realty and home loans? How long

do you have to own a home before you can get a home equity loan?

>

> Blessings and hugs,

> Laurie in WI

> DS wannabe

>

>

[Guest guest]

>

> You don't have to own you own home for any length of time for a

home equity

> loan (aka second mortgage) -- your home just has to have

appreciated enough to

> have the added value to cover the loan (and you have to have the

fund to cover

> the payments). LOL

>

> Hugs and blessings, Ann

Thanks Ann! I just KNEW I would mess that up!

Tracey

[Guest guest]

In a message dated 12/10/2003 12:19:21 PM Pacific Standard Time,

hevnbound1@... writes:

> mmmm, well that's not going to work then. I've only been in my home

> since August. Not much equity built up...haha...like $400.00!

Hi Laurie,

But has your house appreciated in the housing market. Many times a home's

value will go up...ask a real estate agent about the market value of your home

(that would be your current equity -- market value, less what you owe). Here

in CA many homes go up in market value week by week (almost). LOL So you may

have more equity than you think. Check it out (you can also check out on the

web of the prices of homes comparable to your own that have sold recently in

your area -- this will give you an idea of whether your home has appreciated).

Good luck!

Hugs and blessings, Ann

[Guest guest]

In a message dated 12/10/2003 4:02:17 PM Central Standard Time,

hevnbound1@... writes:

> I still

> haven't given up hope that God will provide a very inexpensive place

> to stay while in California.

>

> Hugs,

> Laurie

>

I wondered if Bakersfield had some smaller pay by the week hotels in the

area. I know wen my cousin had a family member in Chattanooga they rented a

furnished apartment for the month and it was lots cheaper than the hotel option.

If

I lived in the area, I colld make a fortune renting rooms to DS Pts.....LOL.

in Bama

<A

HREF= " http://hometown.aol.com/mdl1031/myhomepage/profile.html " >

http://hometown.aol.com/mdl1031/myhomepage/profile.html</A>

VBG to RNY revision 1996-Failed

Rny to Ds revision 12/06/02

Down111lbs!!

Thanks to Dr. K!

[Guest guest]

In a message dated 12/10/2003 4:02:17 PM Central Standard Time,

hevnbound1@... writes:

> I still

> haven't given up hope that God will provide a very inexpensive place

> to stay while in California.

>

> Hugs,

> Laurie

>

I wondered if Bakersfield had some smaller pay by the week hotels in the

area. I know wen my cousin had a family member in Chattanooga they rented a

furnished apartment for the month and it was lots cheaper than the hotel option.

If

I lived in the area, I colld make a fortune renting rooms to DS Pts.....LOL.

in Bama

<A

HREF= " http://hometown.aol.com/mdl1031/myhomepage/profile.html " >

http://hometown.aol.com/mdl1031/myhomepage/profile.html</A>

VBG to RNY revision 1996-Failed

Rny to Ds revision 12/06/02

Down111lbs!!

Thanks to Dr. K!

[Guest guest]

> Does anybody know anything about realty and home loans? How

> long do you have to own a home before you can get a home

> equity loan?

It depends on your state and how much equity you have built into your home.

Call your local bank - asking is free. . .

[Guest guest]

In a message dated 12/10/2003 11:33:02 PM Central Standard Time,

hevnbound1@... writes:

> I wouldn't have to share a room with the flying monkey's...would I? And

> I'd need to know if you're an axe murderer. :-O j/k

>

> Hugs,

> Laurie

>

Laurie,

No axe murderer here. Your talking about my Closest DS " switch

brother " (Only a day older than me switch wise). AND a revision to boot.....LOL

in Bama

<A

HREF= " http://hometown.aol.com/mdl1031/myhomepage/profile.html " >

http://hometown.aol.com/mdl1031/myhomepage/profile.html</A>

VBG to RNY revision 1996-Failed

Rny to Ds revision 12/06/02

Down111lbs!!

Thanks to Dr. K!

[Guest guest]

Laurie, I'm 90 mins from Delano, but you can have my spare bed. It's

upstairs.

Jim

-----Original Message-----

In a message dated 12/10/2003 4:02:17 PM Central Standard Time,

hevnbound1@... writes:

> I still

> haven't given up hope that God will provide a very inexpensive place

> to stay while in California.

>

> Hugs,

> Laurie

>

[Guest guest]

I'm West and a bit south of Delano; about 20 minutes from the coast. The

flying monkeys are kept in the monkey cave in the back. As for the axe

murderer bit, well, a successful axe murderer never tell all he knows.

Jim

-----Original Message-----

Jim,

Awwwww...how nice of you to offer. ... I wouldn't have to share a room

with the flying monkey's...would I? And I'd need to know if you're an axe

murderer. :-O j/k

Hugs,

Laurie