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06/14/11, 12:45 AM
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Goshen Farm
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Join Date: May 2004
Location: Zone 8a, AZ
Posts: 6,189
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Frustration Vent
I am becoming very frustrated with the VA mortgage guidelines. I know they are there to protect the veteran but my Lord they are full of the strangest little things. So far we have met or exceeded all of their demands and have only one hurdle to take care of. Apparently our generator (generac 8000) needs to be bolted to the concrete in the power room to be considered permanant? I cannot get it bolted to the floor before the electric contractor comes to inspect the situation tomorrow. The best I can do at this point is to bolt a logging chain to the floor and then lock the chain around the generator. I don't know if this is good enough for them or not. The electrical contractor said the generator is big enough to handle the job but put in his letter that the generator is not permanant it is portable. I suppose I could take the wheels off tomorrow really early and see if that helps. I am beyong my wits end with this. We want so badly for these great people to be able to purchase our house. sisterpine
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06/14/11, 06:48 AM
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Join Date: Dec 2003
Posts: 3,693
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Like I said in your other thread on this topic, I gave up on them because they were so difficult to deal with.
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06/14/11, 07:25 AM
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Join Date: Dec 2002
Location: Wisconsin & Mississippi
Posts: 2,349
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I feel for you. I find there are too many hoops to jump through for a VA loan. I quit trying to deal with them years ago. Now when I sell a house I refuse to even answer offers than have VA financing. Hopefully things will go your way soon!
__________________
Boldly going nowhere.
Last edited by DAVID In Wisconsin; 06/14/11 at 08:56 AM.
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06/14/11, 08:31 AM
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Goshen Farm
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Join Date: May 2004
Location: Zone 8a, AZ
Posts: 6,189
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I understand all that and just needed to vent. If we lose these buyers it could be years before we find another and I am just worried. sisterpine
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06/14/11, 08:46 AM
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Join Date: May 2002
Posts: 9,129
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Quote:
Originally Posted by sisterpine
I understand all that and just needed to vent. If we lose these buyers it could be years before we find another and I am just worried. sisterpine
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So many stresses at one time. Difficult to deal with, I know. Been there, done that and it isn't easy. 
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06/14/11, 08:49 AM
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Join Date: May 2011
Location: Michigan, USA
Posts: 409
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I there any way you could drill out a bit of concrete, drop a bolt, fill it with some of the concrete patches they have at lowes, and make it technically bolted to the floor, even if you could rip it out pretty easy?
We are selling FHA at the moment and have to do all sorts od dumb little things too. If window a/c is in the window, unplugged, we have air. If it's on the floor in front of the window, we don't. Just keep jumping through the hoops.
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Andrea 
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06/14/11, 08:51 AM
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Join Date: Nov 2003
Posts: 2,533
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You can't borrow or rent a hammer-drill and drop by the hardware for the bolts? Take you may-be 1/2 hour, if that.
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06/14/11, 08:51 AM
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Join Date: Mar 2003
Location: Pawnee Nation, OK
Posts: 2,419
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Even if this was a conventional loan instead of a VA loan the generator would have to be bolted to the floor in order for it to be permanent. If it isn't it is a personal effect.
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Critical thinking -- the other national deficit
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06/14/11, 08:52 AM
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Join Date: Mar 2003
Location: Pawnee Nation, OK
Posts: 2,419
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Quote:
Originally Posted by Parttimefarmer
If window a/c is in the window, unplugged, we have air. If it's on the floor in front of the window, we don't. Just keep jumping through the hoops.
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Who determined that?
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Critical thinking -- the other national deficit
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06/14/11, 08:53 AM
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Master Of My Domain
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Join Date: Sep 2005
Location: Pennsylvania
Posts: 7,220
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i think a heligun (spelling) and a few brackets would help. bang bang bang bang...done.
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this message has probably been edited to correct typos, spelling errors and to improve grammar... 
"All that is gold does not glitter..."
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06/14/11, 08:54 AM
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Join Date: May 2011
Location: Michigan, USA
Posts: 409
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Quote:
Originally Posted by Dutchie
Who determined that?
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The FHA appraiser.
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Andrea
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06/14/11, 09:04 AM
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Join Date: May 2008
Location: Western NY
Posts: 597
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VA loans... ugh! I'm bitter on that topic... I hope it all works out for you and the people buying your home. :/
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06/14/11, 03:45 PM
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Goshen Farm
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Join Date: May 2004
Location: Zone 8a, AZ
Posts: 6,189
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Yes, that is our next step= renting a hammer drill and then drilling into the concrete and through the base of the generator and then bolting it to the floor. Just did not want to drive the hour to town each way to get the darn thing and take it back. Sometimes it just sucks to be me.
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06/14/11, 08:43 PM
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hating the 'burbs!
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Join Date: Sep 2010
Location: N. IL, wishing I was in W WA
Posts: 1,044
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Or you could just do what my dad does when drilling concrete: whacks the back of the drill with a small sledge. And he's had the same drill for 35 years!
__________________
I am the daughter of Earth and Water,
And the nursling of the Sky;
I pass through the pores of the ocean and shores;
I change, but I cannot die.
The Cloud
Percy Bysshe Shelley
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06/15/11, 02:53 AM
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I sold one home to people who were getting a VA loan , never again .
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06/15/11, 03:00 AM
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Join Date: Jul 2006
Location: Eastern North Carolina
Posts: 34,224
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Quote:
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Or you could just do what my dad does when drilling concrete: whacks the back of the drill with a small sledge. And he's had the same drill for 35 years!
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That's a "star drill", not a normal bit
It takes a precise hole for anchor bolts unless you epoxy them in
__________________
ΜΟΛΩΝ ΛΑΒΕ
Last edited by Bearfootfarm; 06/15/11 at 03:05 AM.
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06/15/11, 07:14 AM
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Single Hillbilly
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Join Date: Dec 2010
Location: The South, NC
Posts: 1,354
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Take the drive to get the hammer drill and SDS bits, Tacpons or Red Heads. Couple hours drive rather than lose your buyers...
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Serial Thread Drifter... Don't Hate Me Because I Ramble On...
I don't care who ya are, that's funny right there ~ Larry the Cable Guy
Sponsored by God
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06/15/11, 10:25 AM
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Goshen Farm
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Join Date: May 2004
Location: Zone 8a, AZ
Posts: 6,189
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That is so true. The electrical contractor was here yesterday and we had a good talk about making it permant as well. He said he was ok with it being locked to a chain that is bolted to the floor but did not know if the VA would buy it. If they don't then we will do the other but will have to unbolt it pretty often to change the oil and such. I know there is a good reason for all of the rules (probably got sued (sp) one time or another), It just "seems" silly to me. This if funny- got an email from the banker yesterday that the buyer had to write a note saying that he was aware that the home is not connected to the electrical grid and that he is choosing to persue the loan anyway". Like we could hide the solar panels and just not tell him we are solar. could have said the wind genny is just a really tall yard ornament LOL
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