collector47
collector47
@collector47
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Topics: 1 / Replies: 9
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RE: Refinancing your mortgage—little trick I learned to snag a better rate

Yep, assessor numbers can be all over the place. I've seen properties undervalued by 15-20%, especially when renovations weren't factored in yet. Good...

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

Definitely agree—seen this happen way too often. A couple quick points I'd add: - Grants can be great, but watch out for hidden restrictions or occup...

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RE: Is buying new worth the hit, or better to grab used and save?

This is exactly what I've found works best for me. I've bought plenty of used appliances for rental properties, and while I've had some good luck, I'v...

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RE: Home equity loans and taxes—did you know this?

Went through something similar a couple years back—refinanced to fund a kitchen remodel but ended up using part of it to clear some lingering student ...

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RE: CONFUSED ABOUT LOANS THAT DON'T FIT THE BOX

I've seen this happen a couple times myself. A few things I've noticed: - Sudden delays or vague answers when asking about underwriting timelines. - ...

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

- Good points, but one thing to consider is the opportunity cost of tying up your cash in a larger down payment. Sure, interest payments feel like was...

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RE: Trying to figure out how much of my house I actually own

Good points overall, but I'd add a couple things from my experience: - Appraisals aren't just subjective—they're also backward-looking. They rely hea...

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RE: Found a dream home thanks to rural loan perks

Local providers can be hit or miss, honestly. My experience: - Advertised speeds rarely matched reality—usually 20-30% lower. - Peak hours were espec...

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RE: Mortgage rates climbing again—time to lock in or wait it out?

Good points made above, especially about refinancing costs—people underestimate those all the time. A few quick thoughts from my experience: - Trying...

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