Real Estate: Zillow suspending iBuyer Program Nationwide |
- Zillow suspending iBuyer Program Nationwide
- Apartment life during Quarantine
- Appraisal Flexibilities
- Agent Visual Inspection Disclosure (AVID) + 6 More Docs Sent to me 2:27am 7 ½ hours before the Final Walk Through and the Day Before Closing. Is this and my Agent’s Behavior re the Final Walk Through (and throughout) Normal?
- Your prediction for housing prices in Los Angles with a huge Chinese population. AKA San Gabriel Valley?
- Which housing markets in the US do you anticipate seeing the largest price drops from this situation?
- Under contract
- Buying in the Winter & Uninspectable Risks (CA)
- Tell me I am backing the best decision - house purchase [NC]
- LA housing Market
- Buying - are we insane?
- Is Opendoor incompetent, fraudulent, or something else?
- What is a good real-time source for mortgage interest rates?
- Present impact of Dallas shelter in place order
- Moving an Interim Closing Date (Ontario, CA)
- Wisconsin Safer at Home order
- [FL] What usually happens when a building contractor wants to buy out a complex to build something new?
- Dual agency question etc
- First time buyer, don't close for another month. Am I crazy going through with the deal?
- Portland, first time buyer, conflicted on proceeding
- Appraisals with Covid-19
- Is this unit's lighting Photoshopped?
- Another Uncertainty Post: The Bay Area
- How to sell a nice home in an aweful neighborhood?
- Backing out of a deal - Chicago
| Zillow suspending iBuyer Program Nationwide Posted: 23 Mar 2020 06:44 AM PDT |
| Apartment life during Quarantine Posted: 23 Mar 2020 06:23 AM PDT Question for those of you self quarantined in a condo. Do you wish you were not in an apartment right now? The elevator must be a very scary place at the moment. [link] [comments] |
| Posted: 23 Mar 2020 08:05 AM PDT Hot off the press https://singlefamily.fanniemae.com/media/22321/display [link] [comments] |
| Posted: 23 Mar 2020 06:54 AM PDT Hello, Hope you fellow Redditors can help me. (Summary at end, as this is long.). I'm a first time home buyer and don't know what to do about this situation. My closing date on a condo is tomorrow (Tuesday, 3/24). My agent asked me on 3/17 if I was available for the Final Walk Through the next day, Wednesday (3/18). (Nearly a week before Closing.) The schedule that her transaction coordinator had originally sent me showed a 3/20 date for the Final Walk Through which I'd made myself available for. When I told my agent that I was unavailable 3/18 she texted me "I usually try not to schedule those type of appointments on Fridays, in case we need to do anything further. Did I give you that date?" She said that she could push it to Thursday 3/19 at 10am. So I could try to fit it into my schedule, I asked her "what is involved with a Final Walk Through and how long should be allowed to do it correctly?" I also asked her if Monday, 3/23 would be too late. I let her know that due to a lot of meetings on Thursday 3/18, I'd have to speak with my boss to see if it would be possible to meet. She did not answer any of my three questions. Instead she let me know that she needed info from my lender, so I called my lender and went down the rabbit hole of being in the middle of the two of them. My agent seemed to want something specific from my lender but wouldn't tell me what when I asked her. (She texted "She knows and said she will send, she just doesn't work past 5pm..." Which isn't true, as I've talked to my lender after 5pm and, to be honest, she's been more informative and helpful than my agent.) Wednesday, without saying anything else, my agent texted me "Final walk thru scheduled for 10am Monday, March 23rd. Since she hadn't answered any of my questions via our text thread, I sent her an email late Wednesday night asking them again plus some others—ex. if there's anything she needs from me; what, if anything, I need to do before Closing, what exactly happens on Closing Day, etc. Thursday she sent me copy & pasted general information about some of the things I'd asked about but never answered my questions "what is involved with a Final Walk Through, how long should be allowed to do it correctly and who attends?" So I ended up Googling "Final Walk Through" and found out a lot about what should be done, who attends, etc. Thursday morning, after texting me that Escrow would contact me with signing options she said "If you can sign today, that would be great?" What the heck? Why is everything asked of me the same day or different days/times than originally said? Especially with everything going on in the world, it's difficult to turn on a dime and drive to another city to go to Escrow. I called Escrow to let them know that my agent said that it would be good for me to sign that day and was told that it wasn't allowed by law for me to sign. (Should my agent have known about this law?) They asked if I could sign the next day, Friday, 3/20 and asked for me to come in in the morning. As soon as I let my agent know that I couldn't sign on Thursday, but had an appointment for Friday morning she texted me "What time is your appointment?" I figured she wouldn't ask me that question for no reason, so I responded "11am. Should you be there too? I didn't even think of that. Please lmk if you do." Her reply: "No, the agents are never in attendance." So now I'm really confused, if she doesn't need to be there why does she want to know what time my appointment is? Maybe there's something that she needs to do when I've finished? So I ask: "Okay, do you need to know when I'm finished?" Her reply: "No, the last part of the transaction is all on escrow!" Again, then if none of this concerns her, why did she need to know the exact time of my appointment? Friday, 3/20 Escrow calls me and asks if I can come in earlier to sign. Again, what's with the last minute changes? (This has been since the beginning—before the coronavirus. For example, I was told by the Escrow Officer, 5 days after my offer was accepted in February, that both my agent and the Seller's agent were "freaking out" because my deposit had been due the day before. No one had told me that I needed to make a deposit. I could have made it the day the offer was accepted if someone had told me. Because no one did, I had to run around the day after it was due and get it wired immediately. Why didn't anyone tell me?) I did the best I could and arrived about 20 minutes before the appointment time but got lost as there are three Escrow companies in two connected buildings, my escrow company doesn't have their name on the outside of the building they're located in and everything's weird with security because of the coronavirus so I actually got inside about 5 minutes before my original appointment . The signing seemed to go well even though on a couple of pages they had the wrong lender listed and I have a few questions about other things for the Escrow Officer, none of which she knew the answer to so I did the best I could. After I'd finished signing, I asked her what time I'm to come back on Closing Day to sign the other documents and she told me that this was it—no more things to sign. They'll get a call from the county when it's recorded and then I can get the keys from my agent. Saturday, 3/23 my agent texts me that she and the other agent are working out transfer of keys, they have new guidelines to follow because of the coronavirus and they're trying to figure out "about just getting [me] in solo for the walkthrough and perhaps video the place." Again, I ask her who are the people who normally attend the Final Walk Through because now that I'd Googled "Final Walk Throughs" and know the answer I want to see if she'll answer me. She does not. In fact there's no more communication at all until a text on Sunday at 2:53pm: "The listing agent will meet you at 10am tomorrow for the walkthrough, I can join in via face time if there is something you want me to look at. You won't get the keys until 6pm the next day or when escrow closes." My response (as she's told me all throughout this process that the Seller's agent is doing the bare minimum and isn't good, so why would I want him there and not her): "Would a different time be better for you? Thought 10 was good because you scheduled it." My Agent: That's when (the Seller's Agent) can do it and the seller won't be there. Me: But what about you? You're the important one as you're my agent. (The Seller's Agent) could care less. I would not feel comfortable being there with him. He doesn't represent me. You need to be there. If 10 is not convenient for you then we can go at a different time. My agent: (The Seller's Agent) is going to be there at 9:30 to meet with Seller, then she will leave. Everyone is supposed to be minimizing their contact, it isn't essential for me to be there—he is getting the inspection reports to pass off to you. Me: As you know, I've never done this before. You have and are on my side and know what to look for. I need an advocate there. It's fine if (the Seller's Agent) wants to be there too (although from what people are telling me that's odd for the Seller's agent to be at the Final Walk Through with the Buyer) but you need to be there too. We can all stay 6 feet away from each other. My agent: It's not odd for a Seller agent to be there, it's their listing. I'll let (the Seller's Agent) know that I'll be there. I will have to bring my son with me, there is no child care available for me during this pandemic. See you at 10am. Me: Just would be odd if it's only the Seller's agent. I'm totally fine with your son coming but completely understand that you may be concerned. We'll all be careful to stay 6 ft. away from each other and if you'd prefer for your son not to be 6 ft around (the Seller's Agent) or me at all maybe he can wait safely in the car. I get it, this is not anyone's idea of fun. It's a terrible, stressful thing. I do not want to be moving during a pandemic. But a month ago, when the offer was made, everything was fine. Then the world went nuts. None of us had any idea that this would happen. There's no turning back now, but at least your part is over in only two more days. Movers are classified as Essential Services, so I have to continue on until next week as I cannot afford to pay rent and a mortgage. Thank you and I'll see you tomorrow at 10am. She's obviously concerned about her son, but doesn't she have a professional duty to be at the Final Walk Through with me? Finally, my agent's transaction coordinator sent me (at 2:27am! today) 6 more documents to sign. I thought that everything was signed and all finished, as that's what the Escrow Officer told me Friday. These are the documents were sent to me at 2:37am today by her transaction coordinator for me to sign (I am seeing all of these for the first time):
Sorry for the length, just completely stressed from all of this, packing, coronavirus, family issues, etc. Thank you so much for any information you may have. To sum everything up: Why are these documents being sent to me to sign in the middle of the night, a few hours before the Final Walk Through, the day before Closing? Should I sign them? Is this suspicious? If so, what should I be on the lookout for? Is the way my agent is interacting with me normal, both concerning the Final Walk Through and everything else? (Even before the coronavirus, from the beginning, it's been like pulling teeth to get information from her. I usually have to look things up or do things myself.) [link] [comments] |
| Posted: 23 Mar 2020 08:45 AM PDT How do you guys foresee the housing prices for San Gabriel Valley with one of the highest Asian population? From I read Chinese businesses have lost 60% of their revenue since this Covid-19 started spreading in China. Arcadia one of the most expensive cities in San Gabriel valley saw a huge surge in property value because of the influx of Chinese Money, but the median salary is $100k. The median property for sale is $1,489,400 on zillow. As San Gabriel Valley is not a tech town how do you guys think this will play out? [link] [comments] |
| Posted: 22 Mar 2020 05:46 PM PDT |
| Posted: 23 Mar 2020 09:29 AM PDT I'm going to keep this concise, I'm looking for advisement. Here are the facts: -we are under contract for a home - my partner has a secure job where he can work from home and is working from home. He is immune suppresed. - I'm an essential employee per my state, my employer has offered to lay me off or furlough me for his safety. She is happy to hire me back when the risk dies down. -I'm afraid taking the temporary lay off for his safety will risk our loan, however my hours are reduced anyhow. Unemployment would be about the same income as my cut hours. TIA [link] [comments] |
| Buying in the Winter & Uninspectable Risks (CA) Posted: 23 Mar 2020 08:17 AM PDT Hey all, we are interested in a place but due to the snow/ice, we will not be able to get certain things inspected: roof, foundation on the outside, drainage field/holding tank. Is this just a risk you have to take while buying during the winter? Or are there ways around it? I plan on speaking to a real estate lawyer about this but just wanted to hear if anyone had some experience with this. Thank you in advance [link] [comments] |
| Tell me I am backing the best decision - house purchase [NC] Posted: 22 Mar 2020 02:52 PM PDT Some background - my wife and I are selling a house outside Raleigh, NC. Proceeds will give us around 50K. We make around 150k annually. With the current economy I am feeling some instability in my job (corporate employee at daycare company) - wife works in dept of agriculture - job is as secure as anyone's. We are set to close on a house on 3/27. 345K home - 10% down and all closing costs covered by seller (tax assessed value and appraisal was 375k). If we lose my income we will need to rely on unemployment to make ends meet. Otherwise if we both lose our incomes we have 6 months of emergency funds. We are contemplating pulling out of purchase to rent an apartment until the economy stabilizes (hopefully around a year). This would allow us to live on my wife's income alone. We are in love with the home but want to make the right choice. I told our agent we want to go through with the house but I am thinking we need to cancel the contract and go to the apartment. Is this the best decision? FYI: we would get our due diligence and earnest monies back. [link] [comments] |
| Posted: 22 Mar 2020 02:31 PM PDT Maybe I'm just looking at the market more or maybe it's just coincidence, but within the last week I have seen homes going up for sale near me for under 600k. Usually in my area up to before the Covid situation, homes were at the least 600k for a 3bd 2bt, but now like I said in the last week or so I have seen a handful of homes under 550k. Anyone else in the LA area notice this? [link] [comments] |
| Posted: 22 Mar 2020 02:08 PM PDT 5 kids (14, 10, 9, 7, 3) Combined income 270-300k Lots of child expanses (call it 2k for round numbers per month). No CC debt. Both cars = $850 a month total. Both will be paid off in < 2 years. Own a property we can sell for 10% down. Rest comes from sale of current residence plus cash if needed. Should have 20% down - at worst 15%. Current house: 2500 a month. House is cramped. Looking at a budget of 750k. Obviously payment is going to be nearly double. I think it's way too much - but to get what we want space-wise, that's kind of the range. Maybe 550-650 if we can 'find' them - which is the dilemma. I am saying we stay put from a logical perspective. My 'wants' brain disagrees and so does the wife. Thoughts? [link] [comments] |
| Is Opendoor incompetent, fraudulent, or something else? Posted: 22 Mar 2020 03:04 PM PDT I've been trying to buy a house from opendoor for over a month. So far, they have produced six different documents with financial and arithmetic errors in their favor. From the initial sales contract, earnest money request, amendments, to the final title documents, I've found errors in every single document -- and every error in their favor. Opendoor continually claims that the errors are typo's and mistakes that would be fixed immediately -- and they are fixed. I spoke to a "manager" who said that every document that goes out is double checked before I see it. But even just statistically speaking, it's clear that Opendoor is intentionally making these "errors" on purpose. If six errors are detected by me, and every document that they produce is checked by two people, that's 12 chances for them to catch an error. If there's a 50/50 shot that errors would be in my favor or theirs, I think that's something like 0.024% chance that it's random error -- not even taking into account how many errors they actually catch. My bank has chosen to enact "enhanced review" of the documents because of opendoor's constant mistakes -- and closing is likely not going to happen. Is anyone else seeing these kinds of issues with Opendoor? UPDATE#1: First, there was a "due-diligence" fee (~$2,500) that made no sense to me. They removed it immediately, without even trying to defend it. Then there was a "house cleaning" fee ($550). They tried to justify this as, essentially, cleaning the house after the previous owner moved out. They dropped it. Then there was some vandalism to the property - people removing blinds, cabinet knobs, etc. while "touring" the house. I demanded that they fix it, they refused, I called off the deal, they agreed to fix it. Then, the costs appeared on the closing statement. Haven't resolved this one yet. ($~2,000) Past due HOA fees that appeared on the closing statement -- again, they removed it. ($800). Then the inspector's fees appeared on the closing statement, which I paid on my debit card. (~$600) Finally, the survey fee for a survey they had in hand ($800). After seeing this one, my bank demanded a copy of the new survey instead of the existing ~12 month old one. OD said that the fee was added by mistake. Last but certainly not least, OD obtained a copy of the appraisal directly from the appraiser because of their "call to access the property" system. The appraiser didn't know who he was calling and emailed them the appraisal as requested. The appraisal came in ~55K higher than what I'm offering. When they tried to re-open the contract for more $$, my bank caught onto what they had done, and advised OD that the price would not be changing. THEN... COVID-19 came along and OD had no choice but to accept my offer. Now, we're in "enhanced review." I would have walked after the second or third BS fee, but I recognized the difference between market vs value very early in the process. [link] [comments] |
| What is a good real-time source for mortgage interest rates? Posted: 23 Mar 2020 09:56 AM PDT Obviously dependent on different lenders, loan amounts, credit scores, etc. But it feels inefficient to keep pinging my lender to check. FTHB here, just looking to stay on top of things. [link] [comments] |
| Present impact of Dallas shelter in place order Posted: 23 Mar 2020 09:35 AM PDT I don't know how helpful this will be to anyone - and of course situations are fluid and what's true at this moment can be different tomorrow. I can only share my observations in the moment for DFW. NBC DFW: Shelter-in-Place Order Issued for Dallas County I've spoken to a few contractors about scheduled repairs during the order - as an essential service, they report no effect on their work. The lenders I've spoken with acknowledge that things are different, but so far not anticipated delays on our current contracts. The title companies are still open for business. They can coordinate mobile notaries for those concerned about making a trip to their office. In some cases, electronic signatures on closing docs may be an option - if offered by the title company and allowed by the lender. That's my 2 cents. Business is continuing, and I'm not currently putting out any [covid-19 specific] fires. [link] [comments] |
| Moving an Interim Closing Date (Ontario, CA) Posted: 23 Mar 2020 09:32 AM PDT Hello all, An interim closing date for a condo purchased from pre-construction is coming up on the 30th, and I was wondering if there were any ways to delay the date? Due to the current health situations, I have no plans on moving in on this date, therefore, I am looking to avoid paying the interim occupancy fees. Are there any reasons as to why I could move the date? as my lawyer has stated that it is not good reasoning. Another note: I have also not been able to secure tennant's insurance for the interim period yet, because I have not received enough information from the building to provide to the insurers. Thanks. [link] [comments] |
| Posted: 23 Mar 2020 09:30 AM PDT Does anyone know if closings will be able to be completed with the order coming down from the governor? I have a closing this Friday and may end up homeless if it doesn't go through! [link] [comments] |
| Posted: 23 Mar 2020 09:09 AM PDT I'm under contract to buy a condo at a good location and decent price. The complex is older, 1967. It is surrounded by beautiful newer buildings that are for lease only and expensive. Ranging from $1800 for a studio to $3900 a month. My complex is in a prime and growing location and it has crossed my mind that maybe in a near future some contractor may want to buy my building out to build another high rise or something. This is not happening for sure but would like some insight as to what usually happens. Do the owners of the condos get offered a good amount to make them sell or do they only match what you paid? I plan on living there for some years but like most if I was offered a nice buy out I would take it. [link] [comments] |
| Posted: 23 Mar 2020 08:54 AM PDT TLDR: If your realtor has been unethical what can you do? First question: Let's say we put an offer in on a home with our realtor (no prior contract signed) and we lost the bid. By putting an offer in with this realtor would we then by default commit to using this person exclusively for x amount of time? Second question: So, let's assume this realtor is now exclusively our realtor. They happen to have someone reach out to them to sell their home in the neighborhood we're looking to buy. They tell us this is great because now we definitely won't lose the bid. Other than that one statement they don't explain anything else regarding what dual agency really means. I guess I have several questions about this. Since they were our agent first would they be more obligated to us, if not are they required to be transparent about their new neutrality? In addition to this, in our purchase and sales agreement under the Sellers Property Disclosure Statement for system and components (c) Is any portion of the heating and cooling system in need of repair or replacement? They checked the NO box with this Explanation below: Heating and cooling units are separate, however the thermostat is one - so for heat use the "emergency" heat on the thermostat to activate central heat. This is where things I feel get shady. Our realtor told us the heat was heat strips. And went in to no further detail about it. When I asked her about it she was just yeah uh huh and now I realize was very dodgy about the whole thing. My realtor recommended three home inspectors. We obviously went with one of them. He was thorough and checked out the heat strips. What he didn't do was tell us that heat strips are back up for a heat pump. We come to find that out after we had to call an hvac repair person after we moved in. When they went to look at the unit they found out not only was the heat pump not working-there wasn't even a heat pump IN the housing outside. I'm not sure what my question is about that. Just more of this realtor being somewhat unethical? There is one more thing that I realized a few months after our purchase. At the open house another couple came through while we were there. This definitely influenced the speed with which we put an offer in. After we put our offer in we were interviewing and getting quotes from contractors. One of these times the was last minute and the sellers son and his girlfriend were home but they were nowhere to be seen. Until we went upstairs to measure some things in the master bath. And there they were just kind of sitting on the bed. It was super weird but it was pouring rain and I had to two hungry kids waiting in the car so I was in a hurry. They other day I realized that the other couple that came through at the open house was the sellers son and his girlfriend and that's probably why they were hiding in the bedroom. SO, is this just more unethical behavior that's in the realm of shady but there's nothing you can do about it? Thanks for reading this long, somewhat rambling post. This was our first time buying a home and as you can see it was not an awesome experience. I guess my question is this: 1. Is this ethical 2. Should/could I report this agent 3. Is there any course of action I can take legally against them. [link] [comments] |
| First time buyer, don't close for another month. Am I crazy going through with the deal? Posted: 22 Mar 2020 09:59 PM PDT All, I'm a first time buyer in a market that's been consistently competitive for a while. I had an offer accepted on 2/24, with an extended close, 4/24, which at the time worked well for my situation, as my current lease ends on 5/30. I offered 5% above ask, and beat out 7 other offers, the closest by 1k. I probably jumped the gun an locked in my rate a bit early, at 3.75. With the state of things, I'm getting really worried about going through with this. I feel like my job is stable, and am well in my affordable range with the payments I'm expecting, but with so much uncertainty, I really want to hear some opinions. [link] [comments] |
| Portland, first time buyer, conflicted on proceeding Posted: 23 Mar 2020 08:13 AM PDT Portland has been a crazy market. Several houses we never had a chance to put an offer on because they went too fast. Took us 3 tries to get an accepted offer and it was only after a 4 day bidding war. The house: $600k, close to downtown, yard, parking, single family, room to grow into, Victorian but new foundation, pretty well taken care of. Needs electrical redone soon and will need plumbing, roof and furnace in the next 5 years. Beautiful views if that counts for anything? Corner lot. Purchase price is still below comps. Us: Married, both working, no kids, will still have $50k cash (but maybe more like $40 if we do electrical now), husbands job is stable, I'm in sales so not really. Can pay our bills on one income (that was a requirement in anything we bought). Seller: Older, overwhelmed by repairs So this is our week when we submit our repair requests and is likely our last chance to get out of the transaction without losing our earnest money ($5k). I have 20% to put down, we locked in 3.375%. But I'm completely frozen on what the right move is. Every market is so different and I'm just not sure if I'm being stupid or not. What do people think here? Edit: Portland Oregon [link] [comments] |
| Posted: 23 Mar 2020 07:57 AM PDT People who've been through appraisals in the last 1 week or so, have you noticed any negative impact of the current conditions on the appraised value of the home being purchased or refinanced yet? [link] [comments] |
| Is this unit's lighting Photoshopped? Posted: 23 Mar 2020 07:55 AM PDT I'm getting ready to sign the lease on this second floor, rear-facing, New York City apartment:
As you can see, the windows in the apartment face the building next door. I'm concerned about the amount of sunlight the apartment gets during the daytime.
I visited on a cloudy day, so I wasn't able to make a good call. However, I wouldn't have imagined the sunlight to be as good as it appears in the StreetEasy and Nooklyn listings. This makes me believe the photos might have been retouched to enhance the lighting.
What are your thoughts? [link] [comments] |
| Another Uncertainty Post: The Bay Area Posted: 23 Mar 2020 07:34 AM PDT I've read all of the other posts on this subject, but what do the locals think? Are we in for a major downturn or will the area remain propped up by tech money & low inventory? Signed a no contingency contract (never doing that again/thanks agent!) on a home in Concord a few days before the stock market tanked & people started to panic. $30k in EMD, close at the end of March. Bad timing, right? $30k is a lot of money to just throw out the window due to market panic & uncertainty. [link] [comments] |
| How to sell a nice home in an aweful neighborhood? Posted: 23 Mar 2020 06:31 AM PDT Hello. I come here to get some ideas. I bought a property of two floors in a foreclosure auction for $15000 and it will cost me $20000 to repair and fix some issues in the home. I didn't know what was it's real price but it was clearly cheap. A similar house but little bit smaller is being sold at $98,000 USD. So I have decided to sell my property at $96,000 or somewhat below the other. I would like to sell the house at a price that allows me to buy another house in a similar place. The issue with this home is the neighborhood. While most of homes there are old, probably have more than 80 years, I can bet my home is around 15 years old. However, there are news from 1-2 year ago telling that there was before a criminal band that sold drugs. There is a news article about a guy whi was murdered on the corner, just 3 minutes walking from my house. Also, now that it is my home and I can enter there, neighbors smoke marihuana, and the smell of it enters to my living room. I've seen after two months there, that it is not dangerous once you love there. But I want to sell it. How should I publish my property in a way people at least can visit my home to conaider buying it. The location is good in my opinión, because it's close to a centric train station that goes to all the parta pf the capital, but the problem is the neighborhood. What would you recommend? I can wait two years. I do not think renting it is a good idea as the probability of not receiving my rents is higher than in other places. [link] [comments] |
| Backing out of a deal - Chicago Posted: 22 Mar 2020 10:01 PM PDT Hey guys So our family had decided to buy a beautiful property in a suburb of Chicago (next to a pond / with a gazebo etc ) Closing was slated for next week but due to the current state of affairs we decided to back out. The primary reason being the fact that I'm the sole earner in my house and if anything happens to my job.. we are screwed. I have a townhouse and currently am paying the mortgage on that. So in effect I'll have 2 mortgages ( idea was to rent / sell the townhouse but now I doubt This will happen ) My company hasn't said anything yet about layoffs etc ... Am I overthinking this? [link] [comments] |
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