Mortgages discussions and local services.
activist571835
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RE: Self-employed for only one year — is getting a mortgage realistic?
The “stable income” point is especially important for a newer business. A lender may look beyond total deposits and ask whether the income is seasonal or depends heavily on one or two clients. Recurring contracts, signed...
RE: Cut my monthly bills in half by rolling loans together - anyone else try this?
Totally get where you’re coming from. I’ve watched folks roll all sorts of stuff into their mortgage - sometimes it makes sense, but yeah, paying for a couch or TV over 30 years is wild when you actually do the math. Per...
RE: Texas mortgage rates are confusing buyers more than they realize
You’re spot on about the “Where’s Waldo” vibe with closing docs. I’ve lost count of how many times I’ve had to ask, “Wait, what’s this fee for?” and suddenly it disappears or gets reduced. It’s wild how much is negotiabl...
RE: Mortgage Lenders vs Banks: Which Option Is Better for Buyers?
You’re spot on about the spreadsheet - saved me more than once from getting blindsided by random fees. I’ve actually had a broker quote me a killer rate, but then the closing costs were way higher than what my local bank...