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Seattle Bubble Forum Archive • View topic - 18,285

18,285

Anything and everything relating to Seattle-area real estate.

Moderators: synthetik, The Tim, Lake Hills Renter

18,285

Postby Lionel » Mon Jun 25, 2007 6:14 pm

Lionel
Bubble Blatherer
 
Posts: 57
Joined: Mon Apr 30, 2007 7:02 am

Postby synthetik » Mon Jun 25, 2007 11:00 pm

Yikes! Almost 20K in inventory.

Glad I'm not a homedebtor or real estate clerk right about now.
synthetik
Bubble Bloviator
 
Posts: 216
Joined: Sun Feb 18, 2007 9:39 pm
Location: Happy Renting in Capitol Hill

Postby aldreth » Wed Jun 27, 2007 7:19 am

aldreth
Bubble Blatherer
 
Posts: 141
Joined: Mon Jun 25, 2007 9:43 am

Postby carlislematthew » Wed Jun 27, 2007 8:09 am

carlislematthew
Bubble Bloviator
 
Posts: 154
Joined: Mon Apr 09, 2007 6:00 am

Postby Jazen » Wed Jun 27, 2007 10:45 am

Need stock market to go boom-boom, which it seems to be doing, so once we get the recession underway, no more low unemployment, stupid consumer spending (well who knows about that one), then the housing market will start to take a speedy nose dive.
Jazen
Bubble Bloviator
 
Posts: 171
Joined: Sat Apr 21, 2007 9:09 am

Postby carlislematthew » Wed Jun 27, 2007 12:57 pm

"Need stock market to go boom-boom, which it seems to be doing, so once we get the recession underway, no more low unemployment, stupid consumer spending (well who knows about that one), then the housing market will start to take a speedy nose dive."

I agree, but that's going to be a scary time to get out there and buy a house, even IF interest rates are favorable. My plan:

-Wait for darkest corner of nastiest recession, and hope that I still have a job
-Buy house with 20% down-payment, minimum
-$20K left in the bank in cash, minimum
-Immediately get HELOC for 10% of house value (90% LTV rates are usually decent) and keep this available (not extracted) for emergency fund.

If the wife and I lose both our jobs, we'll be able to keep going for a good few years on unemployment, savings, and the HELOC until good times roll around.

BTW, this is one area in which I really recommend HELOCs. If you have the ability to NOT SPEND THE DAMN MONEY they can make a great emergency fund which is usually at a decent interest rate, considering how much you can borrow. It's not a replacement for a cash emergency fund, but if you can get it and stay away from it, then why not...
carlislematthew
Bubble Bloviator
 
Posts: 154
Joined: Mon Apr 09, 2007 6:00 am

For those who are excited about a recession...

Postby rose-colored-coolaid » Fri Jun 29, 2007 9:22 pm

rose-colored-coolaid
Bubble Banter Boss
 
Posts: 1978
Joined: Mon Jun 18, 2007 10:26 am

Postby Jazen » Fri Jun 29, 2007 10:39 pm

Jazen
Bubble Bloviator
 
Posts: 171
Joined: Sat Apr 21, 2007 9:09 am

Postby carlislematthew » Sat Jun 30, 2007 10:44 am

carlislematthew
Bubble Bloviator
 
Posts: 154
Joined: Mon Apr 09, 2007 6:00 am

Postby rose-colored-coolaid » Sun Jul 01, 2007 2:42 pm

rose-colored-coolaid
Bubble Banter Boss
 
Posts: 1978
Joined: Mon Jun 18, 2007 10:26 am

Re: For those who are excited about a recession...

Postby george » Sun Jul 01, 2007 3:11 pm

george
Bubble Blatherer
 
Posts: 111
Joined: Tue Apr 17, 2007 6:03 am

Postby Denny Retrograde » Sun Jul 01, 2007 3:31 pm

Denny Retrograde
Bubble Watcher
 
Posts: 33
Joined: Fri Mar 23, 2007 3:46 pm
Location: Unreconstructed Pocket of Old Belltown

Postby LUC » Mon Jul 02, 2007 9:27 am

LUC
Bubble Watcher
 
Posts: 26
Joined: Mon Jul 02, 2007 6:23 am

Postby deejayoh » Mon Jul 02, 2007 10:47 am

deejayoh
Bubble Banter Boss
 
Posts: 1166
Joined: Mon Feb 26, 2007 12:14 pm
Location: Capitol Hill

Postby rose-colored-coolaid » Mon Jul 02, 2007 12:51 pm

rose-colored-coolaid
Bubble Banter Boss
 
Posts: 1978
Joined: Mon Jun 18, 2007 10:26 am


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