Mortgages discussions and local services.
elizabeth_mitchell
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RE: Buying a house after bankruptcy - bigger down payment or wait it out?
Yeah, that's the tricky part - lenders might be eager to approve you with a big down payment, but that doesn't mean it's the smartest move financially. Seen plenty of folks underestimate ongoing costs... repairs, taxes, ...
RE: CONFUSED ABOUT LOANS THAT DON'T FIT THE BOX
Yeah, big banks tend to get super rigid with their checklists. Had a buddy who tried refinancing a property with a small guesthouse out back, and the bank acted like he'd built a UFO landing pad or something. Credit unio...
RE: Thinking about buying rural - any tips on USDA home loans?
Went through USDA myself about 3 years ago when we bought our first place. Honestly, the no down payment thing was awesome at first, but yeah, that upfront fee caught me off guard too. Also, the inspections were a bit ni...
RE: Fixed-rate vs adjustable mortgage - what's your pick?
I totally get why you're torn - mortgages can feel like a minefield sometimes. I went fixed-rate myself, mostly because I'm the type who likes knowing exactly what's coming out of my account every month. Adjustable rates...