crafts_christopher
@crafts_christopher
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Topics: 0 / Replies: 13
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RE: Trying out debt help services—worth it or just more stress?

Tried one of those services a while back when I was juggling a few credit cards. Honestly, the fees almost matched what I saved in interest. It was le...

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RE: How tough is it to get a mortgage for a rental if your credit isn’t perfect?

That’s wild, but honestly, I’m not surprised. Lenders seem to get hung up on the smallest things these days. I’ve had similar experiences—one time the...

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

I get the appeal of ARMs, especially when the fixed rates are just too high to stomach. But I’ve always been a little skeptical about betting on futur...

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RE: Why 2025 is the Right Time to Buy or Refinance in North Texas

Title: Why 2025 is the Right Time to Buy or Refinance in North Texas I get the point about there never being a “perfect” year, but I’m not sure I tot...

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RE: Why Is Getting a Mortgage So Hard When You're Self-Employed?

I’ve run into the same wall. Last year I tried to get pre-approved and it felt like they wanted a DNA sample along with every bank statement I’ve ever...

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RE: Why Is Getting a Mortgage So Hard When You're Self-Employed?

Yeah, I’ve run into the same thing. Last time I applied, they wanted every single tax return and bank statement for the past two years, and then still...

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

Agree with this. Sellers sitting on their property for months tend to soften up a bit...but careful with alternative lenders. Had a friend get burned ...

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RE: Home Buying 101: Stuff I Wish I'd Known Beforehand

Couldn't agree more on transparency—nothing worse than hidden fees popping up halfway through. Another thing I've learned is to watch out for overly o...

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

Yeah, those balloon payments can really sneak up on you. I almost went for something similar last year, but the fine print made me pause... always wor...

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

I've tried a couple refurbished laptops—one was great, lasted me years, but the other had battery issues within months. Seems like laptops and phones ...

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RE: Thinking about refinancing my VA mortgage, curious what others are doing

Went through something similar last year. Those teaser rates look great at first glance, but once you factor in the fees and closing costs, the shine ...

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

Good reminder about landscaping projects—I assumed our new flower beds would qualify, but nope. IRS wasn't impressed by my tulips, apparently... Defin...

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RE: MY NEIGHBOR'S MYSTERIOUS HOME EQUITY ADVENTURE

Honestly, a pirate-themed tiki bar sounds fun but pricey. Knowing how these things go, Dave might be underestimating the real costs—especially if he's...

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