benartist387
@benartist387
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RE: How to Get Approved for a Mortgage with a High Debt-to-Income Ratio (DTI)

Haha, reading this brought back memories of my first mortgage application. I remember obsessively checking my credit score every morning like it was t...

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RE: First-time buyer blues: grants vs. loan programs

Refinancing wasn't exactly a walk in the park for me, but it wasn't a nightmare either. Honestly, the paperwork was tedious—felt like I was signing my...

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RE: Found a dream home thanks to rural loan perks

Been there myself, unfortunately. When we bought our place, I thought the old survey from the previous owner would be good enough—after all, how much ...

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RE: Unlocking your home's value—did you know this?

I see your point, but honestly, sometimes buyers' anxiety isn't just inspector-driven—it's also about how much experience they have with home maintena...

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RE: Buying Land Without Building Right Away—Did You Know This?

Had a similar experience when I bought my place—thought I'd covered everything until a neighbor casually mentioned the land floods every spring. Wish ...

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RE: Wondering if I can still qualify for a HARP refi these days

Interesting point about smaller lenders, but honestly, I've had the opposite experience. Last time I refinanced, the smaller lender kept changing my c...

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RE: Career Crossroads: Stick With Stable Gig or Jump Into Risky Dream Job?

When we bought our first house, I remember feeling exactly this way. We went from renting a small apartment (where the landlord handled everything) to...

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RE: Figuring out how much of my house I actually own

Refinancing definitely has its pitfalls. When we refinanced a few years ago, I made a spreadsheet (yeah, I'm that person...) to track exactly how much...

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RE: HIGHER DOWN PAYMENT VS. HIGHER INTEREST RATE FOR INVESTMENT PROPERTY

Yeah, finding that balance is tricky. When I bought my first rental, I went heavy on the down payment thinking I'd save on interest long-term. Seemed ...

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RE: Navigating property taxes without losing your mind

Community meetings can be hit or miss, honestly. Went to a couple myself and found them more about venting frustrations than offering concrete info. S...

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RE: Rental mortgages: fixed rate or adjustable, what's your pick?

I've always leaned toward fixed myself, but one thing I've wondered about adjustable rates—have any landlords here actually benefited significantly fr...

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RE: Thinking about tapping into my home's value—any tips?

Good catch on that early closure fee. Reminds me of when I refinanced a few years back—thought I'd read everything twice, but still almost missed a sn...

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