Mortgages discussions and local services.
frodo_thompson
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Topics and replies this member has contributed.
RE: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses?
I get where you’re coming from, but honestly, I skipped the independent inspection on my last VA loan and didn’t regret it. The place was newer, and the VA appraisal flagged a couple things anyway. Not saying it’s for ev...
RE: Does having a top-notch credit score really make home buying easier?
Title: Does having a top-notch credit score really make home buying easier? Man, I hear you on the “boring bank account” strategy. I used to think once you hit that magic 800+ number, lenders would just roll out the red...
RE: Imagining a landlord juggling DSCR loans and rent chaos
I’ve actually done something similar, and it’s wild how much more “useful” my reserves feel now. I used to just stare at that emergency fund and wonder if it was secretly judging me for not investing it. The secured line...
RE: Home Buying 101: Stuff I Wish I'd Known Beforehand
I get where you’re coming from, but honestly, I think the 1% rule can be a bit much for some folks, especially if you’re buying newer construction or a condo with an HOA that covers a lot. When I bought my first place, I...
RE: Refinancing your mortgage - little trick I learned to snag a better rate
That's a smart approach, actually. I remember when I refinanced a couple of years ago, I tried something similar - mentioned a lower appraisal fee from another lender casually in conversation. The rep immediately perked ...
RE: Finally found something that explains foreclosure clearly
Haha, inspectors really can get hung up on the strangest things. When we bought our current place, the inspector spent a solid 15 minutes lecturing us about how the railing on the back deck was half an inch too low - lik...