Hey @sonofzeus try it again. I just got through.

@mom2jel I got the same refresh message but after refreshing a few times over about 5 minutes my order was complete. Pretty sure I got in in time but the site was clearly overloaded.

Bottle opener arrived today … POSTAGE DUE. Did this happen to anyone else?
I could pay USPS $3 for my prize or refuse delivery and it gets sent back.

@Global-Moderators So this should be moved to referrals?

Thanks again to all for your suggestions. We ended up finding a little local bank who would give a second loan on our primary property. Borrowed enough for both the vacant lot purchase and to do the floors in my parent’s house. Bank paid all closing costs including a new appraisal. Only drawback now is they are 60-ish days out for closing.

Thanks OP. Was able to sign up yesterday and have already cashed out $5 Amazon gift card!

@kohlspowrshopper Thanks so much for your suggestion.
We looked at HELOC but banks are not lending on my second home and my primary was recently purchased so I’m too close to the 80% LTV for them to loan 50k…

Haven’t heard of Private Money Lenders but that’s certainly something to look into, thanks. Has anyone had a good experience with any particular private lending company?

@tedteddy Thanks, will definitely look into that!

@bc We first talked to two banks, the one who holds the mortgage on my primary home and the bank who holds the mortgage on my parents’. Neither will float a second loan on a property that is not my primary property. To get a line on my primary property, I’d have to pay for an appraisal up front and hope they find it satisfactory enough to grant the equity line/second mortgage.

After this frustration we went to our local credit union but their guidelines were even more strict and we walked out of there feeling defeated. Currently searching for recommendations for a broker who is willing to work with us. We have the income, we have the credit, just need to find someone willing to lend so I don’t have to shell out my cash.

Seriously, @pitcherswife? That tweet is almost 4 years old!

I appreciate your contributions but could you please review before you post? Quality over quantity in 2021?

@bc Appreciate the reply!
I have a call into our bank but no one from loans is available until the new year so I thought I’d reach out to you all for advice while I’m waiting on them.
I have 3.8% on my parent’s house with about 20 years left on that loan.