Mortgages discussions and local services.
dance_storm3449
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RE: Speeding up rural home loan approvals: my favorite shortcut
That’s classic. I once had an underwriter demand a “current” well test, but the only guy who ever did them in that county retired in 1998. Ended up tracking down his nephew, who scribbled something on a napkin. Loan clos...
RE: I kept getting denied for a mortgage because I’m 1099… turns out I was doing it completely wrong
Yeah, I’ve seen deals fall apart over stuff that seems totally harmless - like a random lunch showing up on a business card or a $10 Amazon charge. People think, “It’s just coffee, who cares?” but underwriters care. I ha...
RE: Struggling with mortgage payments?
Honestly, I get the urge to keep every scrap of paper “just in case,” but at a certain point it’s just clutter. In my experience, lenders rarely - like, almost never - ask for anything older than two years unless there’s...
RE: Refinancing with less stress: One simple way to speed things up
Honestly, I see this all the time and it drives people nuts. The lenders are just paranoid because of all the regulations, but it does feel like overkill for a $100 Venmo from a friend. I always tell clients to just free...
RE: Home equity loans and taxes - did you know this?
Yeah, the IRS rules trip up a lot of folks. I’ve had buyers swear their HELOC interest would be deductible, only to find out it wasn’t because they used the funds for debt consolidation or a car. Like you said, “the IRS ...