debbie_martinez
debbie_martinez
@debbie_martinez
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Topics: 0 / Replies: 11
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RE: I kept getting denied for a mortgage because I’m 1099… turns out I was doing it completely wrong

I get where you’re coming from, but I’ve actually had better luck biting the bullet and cleaning up my tax returns for a year or two. Yeah, it stings ...

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RE: Choosing Between National and Local Debt Service Coverage Ratio Options

Yeah, I’ve run into that same wall with national lenders. The online tools are slick, but the minute you’ve got something that doesn’t fit their drop-...

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RE: Huge News for Homebuyers: Trump Wants to Ban Corporate Investors from Buying Single-Family Homes

I hear you—sometimes those grants get scooped up by folks who already know how to game the system, or have faster access to info. It’d be awesome if t...

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RE: Credit scores, job types, and how they mess with your mortgage rate

Title: Credit scores, job types, and how they mess with your mortgage rate Yeah, the whole thing feels like a game of “spot the hidden fee.” I’ve bee...

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RE: Waiting forever on my refinance loan approval—is this normal?

Yeah, it’s wild how much of a black hole the process can feel like. I’ve had files just sit for weeks until I started pinging people directly. Sometim...

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

I get where you’re coming from, but I’ve learned the hard way that even a “top” broker can drop the ball. Had a deal almost fall through last year bec...

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RE: Expert Guidance When Mortgage Rates Are Down

Yeah, that waiting game is brutal. I’ve been through it more times than I can count, and it never really gets easier. The paperwork is annoying, but a...

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RE: Is it worth using a new homes mortgage broker instead of going straight to a bank?

Yeah, banks really do play up that loyalty angle, don’t they? I used to think sticking with the same bank would get me some kind of VIP treatment, but...

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RE: Found a sneaky way to lower those pesky interest rates

Did the same thing a while back, and yeah, it definitely stung at closing. But looking back now, zero regrets. Guess it depends how long you plan to k...

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RE: Refinancing your mortgage—little trick I learned to snag a better rate

Yeah, lenders mostly care about stability and predictability of income. If you're hopping to a similar role with equal or better pay, they're usually ...

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

I've had decent luck with welded wire fencing—it's sturdier than deer netting but not as pricey as full-on metal fencing. Picked some up at a farm sup...

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