climbing991
climbing991
@climbing991
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RE: The Day After Closing on a House in Texas? Don’t Miss These 7 Critical Steps

That hits home. When I bought my place, I thought I was being thorough by just changing the locks, but then my neighbor casually mentioned the “key in...

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RE: I kept getting denied for a mortgage because I’m 1099… turns out I was doing it completely wrong

Yeah, I’ve been there—tried to make everything “look right” and it just made the underwriter suspicious. It’s wild how moving your own money around su...

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RE: Which is the better deal: HELOC or home equity loan rates?

Fixed rates definitely bring some peace of mind, especially if you’re the type who tracks every dollar. I remember running the numbers on a HELOC a fe...

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RE: Physicians Loans Available Take Tax Advantage Now

Yeah, those “no PMI” deals sound great until you see the fine print. I remember thinking I’d found a loophole, then the lender slid in a $900 “process...

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RE: Is tapping home equity for cash really worth it?

I get where you're coming from. I ran the numbers a hundred different ways before touching our equity, and honestly, I still hesitated. Ended up doing...

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RE: Texas Homebuyers: What’s Stopping You From Your Dream Household?

Title: Texas Homebuyers: What’s Stopping You From Your Dream Household? I hear you on the insurance surprises. When we were house hunting last year, ...

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RE: Is now a dumb time to refi or should I wait it out?

Same here. I ran the numbers on a refi last month and, after factoring in closing costs, it would’ve taken me almost 7 years just to break even. Not w...

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RE: Surprised by how much credit score matters for home loans?

I had the same questions when I was buying last year. My lender actually did a soft pull right before closing, and I got super anxious because I’d jus...

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RE: 🔥 Self-Employed? You May Not Need Tax Returns to Get a Mortgage

Definitely relate to the digital copies thing—I've got folders within folders now, just in case someone asks about a random $12 PayPal from 2021. It r...

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RE: When a fixed rate just won’t cut it: a mortgage adventure

That’s exactly what tripped me up the first time around. I thought I was being smart by going for a “no break fee” option, but then found out there we...

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