Mortgages discussions and local services.
anthonyt47
Discussion activity
Topics and replies this member has contributed.
RE: Has anyone actually used rhs loans or down payment assistance to buy a home?
Yeah, I get what you’re saying about the paperwork circus. When I went through my own refi, they questioned a Venmo from my sister that literally said “pizza night” - had to dig up text messages just to show it wasn’t so...
RE: Lost in the paperwork jungle: mortgage edition
Title: Lost in the paperwork jungle: mortgage edition That’s the part that gets me every time. I’ve refinanced twice in the last five years, and both times it felt like a different set of rules. First round, they want...
RE: Frisco folks: 2-1 Buydown loans actually helping buyers right now?
That hits home for me. I did a 2-1 buydown last year thinking rates would drop, but here I am, still waiting. Payments are creeping up and it’s definitely stressful watching the clock tick down. I get the appeal, but hon...
RE: How to Buy a Home with Loan and Secure Your Dream Home
I get where you’re coming from, but honestly, sometimes I think the “just send everything” approach can backfire too. When I refinanced last year, I dumped a ton of docs in the portal thinking I was being thorough, and i...
RE: Waiting forever on my refinance loan approval - is this normal?
Yeah, I’ve wondered the same thing. When I refinanced last year, my loan officer was really on top of things - super quick to reply and all that - but it still dragged out for weeks because underwriting was swamped. It f...
RE: Shopping Around for Home Loans: A Choose-Your-Own-Adventure?
Had a nearly identical experience last year when I tried to refinance. I swear, every time I’d get a “final” estimate, something would shift in the numbers - either the origination fee would jump or suddenly there’d be a...
RE: My experience getting monthly income from home equity
I hear you on the “house gets jealous” thing - right after my refi, my water heater died and the roof started leaking. It’s like the place knew I had a little extra cash. I do think some of those calculators are a bit to...
RE: How I Got a Mortgage with Bad Credit – And a Lender That Actually Helped
That’s exactly what happened to me the first time I tried to refinance - numbers kept shifting, and suddenly there was a $900 “document fee” I’d never heard about. I walked away. If they can’t be upfront, what else are t...
RE: Refinancing your mortgage - little trick I learned to snag a better rate
Had a similar experience, but mine didn't go quite as smoothly. I switched jobs right before refinancing, and even though it was the same industry, the lender got super cautious about my probationary period. I tried bein...