baileyartist
baileyartist
@baileyartist
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Topics: 1 / Replies: 22
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RE: First-time buyer blues: grants vs. loan programs

Honestly, the whole paperwork thing made me feel like I was prepping for a tax audit or something. I had to write a note explaining a Venmo transfer f...

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RE: Refinancing your mortgage—little trick I learned to snag a better rate

Yeah, banks always make bundling sound like the best thing since sliced bread, don't they? I fell for it once too—thought I was getting a sweet deal u...

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RE: Found a dream home thanks to rural loan perks

Totally agree with this. When we bought our farmhouse, the lender got weirdly fixated on a shed that was literally leaning sideways. I ended up taking...

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RE: DITCHING THAT PESKY MORTGAGE INSURANCE - WORTH THE HASSLE?

When we ditched PMI a couple years back, I remember thinking it was gonna feel like hitting some huge milestone—but honestly, it was kind of anticlima...

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RE: Thinking about adjustable-rate mortgages—smart move or ticking time bomb?

True, but I'd argue adjustable-rate mortgages aren't always about timing the market perfectly—sometimes they're just practical. If you're planning to ...

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RE: PRE-APPROVED OR WINGING IT: WHAT IF YOU FOUND YOUR DREAM HOME FIRST?

Haha, love this analogy...reminds me of when we found our place. We weren't pre-approved yet and stumbled upon the perfect house unexpectedly. Spent t...

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RE: Buying a house after bankruptcy—bigger down payment or wait it out?

Same here, equity was definitely the magic word for us. We waited a bit thinking credit scores would matter more, but turns out lenders cared way less...

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