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Your mortgage broker and realtor in a race to sell every scrap of PII they have about you to every scammer under the sun
Just purchased a house, I totally believe this is happening now.
Our info is so insecure that the public records associated with recording a deed are more than enough for the floodgates to open up.
Makes me want to start an anarchist commune with no electricity.
You can literally pull up every bit of information you need on someone directly in a map on a county portal if they own a home.
Including all publicly filed documents like divorce, alimony, marriage, etc.
It’s nice that there’s some amount of public information, but it sucks that it’s basically just normal people because the rich don’t have to put PII on their filings and can use fake companies.
Public records are good, being able to buy any individual’s cell phone number and email and incessantly marketing to them just from knowing their name is bad.
Some stuff might be publicly available because FOIA and “Sunshine Laws” (is that a term used outside of Florida?) are mostly about ruining all privacy.
You can google my name (Somewhat unique, at least in America) and see exactly where I used to live and my party affiliation because some boomer takes all the voter registration records and makes them public and google indexed.
I never understood why it’s so public. Why does everyone in the world need to be able to lookup my address just cuz I own it?
Oh, this 100% happens. I’ve been getting texts and calls fopre-approval about 6 different area codes since applying for preapproval.
Once you complete the purchase you will start getting fake letters about you already being delinquent on your mortgage lol.
Good luck all the same though!
Oof, thanks for the heads up!
No problem! While I’m at it, I should also warn you that your mortgage will probably be sold off to another lender almost immediately. So, one of those letters wont be fake, it will be a notification of the mortgage changing hands.
It’s such a sham of a process, but good luck, it’s worth it to own your own 4 walls.
Also wtif, home ownership means landlords will make offers on your property and you can tell them to kick rocks and die? If I had a home I’d take a photo of it and send it to every development firm and landlord I could and ask for an offer just to reply with this. I’d take out a mortgage just to hassle landlords, fuck the house.
It’s not the landlords, it’s some poor schmuck they’re paying minimum wage to cold call all day. I guess you could try to move forward with the process to get to the people who are worth fucking with though.
“If someone wants to buy my house I would have to speak with them directly.”
Not even a remotely strange thing to say, if you were serious about selling you would upgrade that call. After that act interested and if you have time to spare, waste theirs. The longer they’re on the phone with you the less calls they can make that day and that’s less pulls at the slot machine.
pretty sure that i saw here earlier that like 1 in 4 homes bought in the us recently have been bought by investors. i hate it here. normies in my circle are starting to radicalize themselves about it.
“radicalize” probably means “we believe that this is wrong, but the only way to solve it is through voting harder”
yeah, pretty much. vote harder, better laws, or harass real estate investment LLCs. the last one has some potential.
I would have gone with “the maoist uprising against the landlords was the largest and most comprehensive proletarian revolution in history, and led to almost totally-equal redistribution of land among the peasantry,” but this is nice too
Yeah all the landlords in my life I’ve explicitly just told my positions and why I think Mao had the right idea had no response. One of them even sold the houses he was renting out a few years afterward. Bullying (landlords) works!
Ask them to pay a deposit to be considered. Ghost them immediately after they pay.
Illegal
Shut up loser
Also illegal to call me when I’m on the do not call list.
Call it an intro fee. Waste my time, it’s on your dime.
Well then you’d have to be very explicit about how it’s non refundable. Don’t get sued please.
Call it an application fee. Landlords do that shit all the time
That still might be illegal in a more liberal state if you never intended to sell.
No one’s going to turn the law on a single homeowner for less than $500, don’t be such a lanyard dork.
Especially if it’s a “goodwill contribution” which happens literally everywhere in business and political dealings.
Someone cold called me. I said well I hope you’re prepared to offer me another $100k on top of whatever you are going to offer me because I live here and all the single family homes in the area are starting at $350k.
Their response: well do you know anyone else ready to sell?
I don’t even own a house and I get these calls and texts. It’s kinda fun to lead them on and then tell them my selling price is 40 million dollars if I’m not busy. Or just send them pig poop balls
I do this too. Gotta keep em on their toes.
I like the idea another user had though, just straight up be like “I’ve got too many prospective buyers, I’ll need a $50 deposit to consider your offer” lmao
Genius tactician here. Can’t hurt to try
That’s going in my toolbox now
For fucks sake… the vultures.
My wife owned our first home for about 10 years and would have people calling and texting her at all hours, even straight up knocking on the front door trying to buy the house. It’s so absurd the lengths these scumbags go to, it got to a point where we think the tactic is to try to wear ya down, especially as the offer keeps increasing.
Just put a sign out front saying you will not consider any offer less than $1 billion
I encourage all Americans to invite these people round to discuss their offer then shoot out their kneecaps when they arrive.
has anyone ever proposed taxing second homes at 10,000%
At least in the US, most of Congress has at least 2 homes so they probably won’t agree to it. But now I’m curious how many of them are in on this racket, too, and have 3 or more.
Soooo many local politicians are also landlords.
They also often have strong ties to developers who are making a killing from urban sprawl
We multiply your property tax by 1.2^n where n is the number of houses you own (including any companies you are on the board of)
Because it’s good for people to be able to rent a house, and we already subside home ownership enough in the US
Landlords should take a bath with a toaster.
it’d be easier to rent a house if they weren’t all owned by a few rich people, silly
I mean the policy in question was to tax second homes at 10,000%
Presumably that includes houses an organization wants to rent out. It’s hard to imagine that this policy wouldnt make it very difficult to rent
Get his ass, Nicole
I know a grift opportunity when I see one. I’ll sell mine for $3 million.
That HIM song from Viva La Bam played in my head when reading this
People who own homes should start buying each others’ homes at a fraction of their estimated value to drive the market down. And then rent them to each other for the price of the mortgage so rental prices go down too.
