adamdancer
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RE: Stuck in underwriting limbo—did you know this?
The repeated document requests can be part of that communication problem, not necessarily a sign that the lender thinks your credit is weak. Automated underwriting can flag ordinary activity, especially large deposits, t...
RE: Hard money lenders vs. online fix and flip platforms: which is less hassle?
I get where you’re coming from, but I’ve actually had the opposite experience. Local hard money lenders have been way more responsive for me - probably because I can just call or meet them face to face if something gets ...
RE: Does an old bankruptcy matter more than a recent one?
I get where you’re coming from, but I’ve seen some lenders who still get hung up on any bankruptcy, even if it’s ancient history. That’s true for a lot of big banks, but some smaller or portfolio lenders will dig deep i...
RE: Texas Homebuyers: What’s Stopping You From Your Dream Household?
I hear you on the insurance maze. A couple years back, I bought a duplex in Round Rock and thought I’d read everything in the policy - turns out “surface water” wasn’t covered when a freak rainstorm flooded the garage. T...
RE: Is It Worth Refinancing Just to Lower Monthly Stress?
I get where you’re coming from, but I’d actually argue the numbers usually favor investing the difference - if you can stick with it. You mentioned, I get that psychological boost, but over 10-20 years, market returns t...
RE: Does having a top-notch credit score really make home buying easier?
Couldn’t agree more - credit score is just one piece of the puzzle. I’ve had deals where buyers with spotless credit still got bogged down by underwriters nitpicking over things like a Venmo transfer from a family member...