Mortgages discussions and local services.
dennis_king
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RE: Cutting my debt-to-income ratio: finally made it work
That’s a pretty accurate way to put it. I’ve noticed the same thing - sometimes the numbers on my report would lag weeks behind actual payments, which made it hard to track my real debt-to-income ratio. Calling lenders d...
RE: What Texas Homeowners Should Know About Cash Out Refinance
That’s a really good point about the itemized list. I’ve actually started asking for it upfront too, and you’re right - it’s surprising how quickly some lenders backpedal or suddenly “waive” certain charges when you ques...
RE: Real Estate Investors - This Could Change How You Finance Deals
I get where you’re coming from, but I’d argue “boring” properties are also easier to underwrite and budget for. When you’re running numbers, it’s a lot simpler to estimate repairs on a standard ranch than a quirky fixer-...
RE: KNOCKED YEARS OFF MY MORTGAGE BY REFINANCING - ANYONE ELSE DO THIS?
I hear you on the “what if” stuff - it’s tough to predict life a few years out, let alone a decade. I ran into analysis paralysis for a while just weighing potential closing costs against long-term savings. The idea of p...
RE: Real Estate Investors - This Could Change How You Finance Deals
That line cracked me up - pretty much sums up my “instincts” too. I’m with you on the numbers-first approach. I’ve seen properties that looked like slam dunks on paper, but walking through them, you spot weird stuff - li...