Mortgages discussions and local services.
debbiewalker314
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RE: Is tapping home equity for cash really worth it?
Title: Is tapping home equity for cash really worth it? This hits close to home - literally. We refinanced a couple years ago to pull out some equity for a kitchen overhaul. Our place was built in the late 80s, and th...
RE: Use Cash Out Refinance Texas the Right Way (Here’s What We See)
That’s true for a lot of folks, but I’ll admit I’m always a bit wary of “set and forget” stuff. I did the automatic transfer thing for a while, but after refinancing our place last year, I needed to keep a closer eye on ...
RE: From First-Time Buyer to Investor in Texas
Short-term rentals in those “A+” school zones are a mixed bag, at least from what I’ve seen. I refinanced a place in a top-rated district a couple years back, thinking it’d be a safe bet for both long-term and short-term...
RE: When A Mortgage Quote Makes You Go “Hmm…”: What’s Your Dealbreaker?
I get what you mean, but I’ve been burned before by “processing” fees that turned out to be the same as “origination” fees - just renamed. Last time I refinanced, I actually called out a lender for double-charging and th...
RE: Huge News for Homebuyers: Trump Wants to Ban Corporate Investors from Buying Single-Family Homes
I’ve definitely seen the “uglier” houses get less attention, and honestly, that’s how we ended up with ours. Needed a new roof and the kitchen was straight out of 1972, but it meant fewer bidding wars. I do think pre-app...
RE: Can You Buy a Home with a 580 Credit Score?
I hear you on not wanting to lock in a higher rate. When I bought my first place, my credit was just barely over 600, and the rate I got made me cringe every time I looked at the mortgage statement. I kept telling myself...
RE: Does an old bankruptcy matter more than a recent one?
Honestly, I had the same experience when I refinanced last year. My bankruptcy was from ages ago, and I was sweating bullets thinking it’d be the main thing holding me back. Turns out, the lender barely blinked at it. Th...
RE: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses?
I’ve been down this road a couple times, and I’ll just say - skipping the inspection always made me nervous, even though it’s not technically required for VA loans. Like you mentioned, the VA only cares about the apprais...
RE: Why do rates jump around so much?
Rates are like squirrels - never still for long. When I refinanced last year, I’d check rates in the morning, then by afternoon they’d jumped a quarter point. Drove me nuts. Paying down debt definitely helped my score, b...