brian_fire
@brian_fire
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Topics: 0 / Replies: 14
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RE: Does an old bankruptcy matter more than a recent one?

Honestly, you’re not wrong—some lenders just fixate on that bankruptcy, even if it’s ancient history. I’ve seen folks with spotless records for years ...

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RE: How Do You Shop Around For Home Insurance—Or Do You Just Stick With The Same Company?

Couldn’t agree more—those fine print clauses are where the “bargain” can turn into a headache. I’ve seen clients stick with the same insurer for years...

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RE: Can You Buy a Home with a 580 Credit Score?

That’s the part nobody warns you about—every random Venmo or cash app transfer suddenly becomes a federal case. I had a client once who had to explain...

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RE: Dallas Homebuyers: Don’t Pick a Mortgage Broker Until You Read This

Couldn’t agree more on that. I’ve seen “processing fees” that are just a fancy way to pad the bottom line. The worst is when someone tries to gloss ov...

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RE: Tapping home equity vs. traditional estate planning—what makes more sense?

I get the caution around mixing equity and investing, but honestly, keeping them completely separate isn't always the smartest move either. I've seen ...

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

Hybrid programs can be a mixed bag, honestly. I've seen a few clients go down that road, and while some came out okay, others got tangled up in condit...

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

Fair point, but I'd be cautious about jumping in too soon after bankruptcy. Sure, renting feels like tossing cash into the void (been there myself...)...

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

That's true, but honestly, refinancing isn't always the silver bullet people think it is. A few years back, I had a client who refinanced to tap into ...

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

Yeah, gotta agree with this. Seen plenty of buyers sweating bullets when grant approvals dragged on. Grants sound sweet, but sellers usually prefer th...

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RE: Found a dream home thanks to rural loan perks

Haha, plumbing definitely has a way of knocking you down a peg or two. But honestly, DIY isn't always the money-saver people think it is. I've seen pl...

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RE: Thinking about refinancing—shorter term or lower monthly payments?

Yeah, exactly. I've seen clients refinance to lower payments, thinking they'll use the extra cash wisely, but then lifestyle creep kicks in. Happened ...

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

I've seen plenty of folks wait too long, thinking they're playing it smart, only to watch prices climb out of reach. But jumping in too early after ba...

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

That's interesting, but honestly, I think you're giving people a bit too much credit when you say they mean no harm. In my experience, folks often kno...

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RE: Mortgage rates jumping around—what's behind it?

I get where you're coming from, but honestly, waiting for rates to stabilize might not be the best strategy right now. Sure, inflation is a factor and...

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