Mortgages discussions and local services.
activist17
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RE: Is paying off a personal loan before applying worth the lost cash reserve?
I also need to account for the interest the $18,000 could earn while it remains in savings, not just the personal-loan interest avoided by paying it off. The net benefit is the remaining loan interest saved, less any pay...
RE: Thinking about refinancing my VA mortgage, curious what others are doing
Couldn’t agree more - if you don’t run the numbers yourself, you’re flying blind. I’ve seen people get lured by a shiny lower rate, only to realize later they’re paying thousands more over time thanks to fees and that in...
RE: Trying out debt help services - worth it or just more stress?
Honestly, I get where you’re coming from. There’s a tipping point where the “savings” from DIY just aren’t worth the hours lost to spreadsheets and chasing down paperwork. I’ve been there - one project, I thought I’d sav...
RE: Did you know housing counselors can help with credit issues too?
I’ve run into that same wall with pay-for-delete. The bigger agencies just quote policy and hang up, but I’ve had luck with a couple of the smaller ones - though it’s always a gamble. On the housing counselor front, I’ll...
RE: Can Non-Permanent Residents Still Get FHA Loans?
I get the frustration, but honestly, I’ve had lenders go back and forth on FHA guidelines for non-permanent residents so many times it’s almost comical. One deal dragged out for weeks because the underwriter wanted to do...