gardening455
gardening455
@gardening455
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RE: Getting approved for an FHA loan: My step-by-step (and a few hiccups)

Had a similar run-in last month—buyer’s appraiser flagged a “trip hazard” because a sidewalk square was maybe half an inch higher than the next. It wa...

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RE: How Do You Shop Around For Home Insurance—Or Do You Just Stick With The Same Company?

Title: How Do You Shop Around For Home Insurance—Or Do You Just Stick With The Same Company? I hear you on the exclusions. It’s wild how “covered” do...

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RE: Thinking About Refinancing? Rate & Term Refi Might Save You More Than You Think (Plus a 10-Day Closing Option)

Yeah, the appraisal game can feel like roulette sometimes—one day you’re up, next day you’re scratching your head. I’ve seen folks get wildly differen...

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RE: New Homes with Low Interest Rates

I’ve worked with a lot of buyers who locked in those crazy-low rates a couple years back, and honestly, most of them end up doing exactly what you des...

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RE: Does having a top-notch credit score really make home buying easier?

Honestly, even with a killer credit score, lenders are gonna want to see everything but your childhood report cards these days. Being self-employed do...

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RE: IS IT WORTH USING A MIDDLEMAN FOR HOME LOANS?

Honestly, I’ve seen both sides. Some clients swear by brokers for the “peace of mind,” but others feel the fee eats up any savings. Sometimes it come...

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

Had a client get slapped with a “processing fee” out of nowhere last year—once I pushed for details, it magically got reduced by half. It’s wild how f...

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RE: Is Mortgage Refinancing in Dallas Worth It Right Now?

Totally get the “appetite for risk and ramen” bit—made me laugh because it’s so true. Watching your principal drop is satisfying, but yeah, those tigh...

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RE: How do you even pick a realtor you can trust?

I get where you’re coming from, but sometimes a little jargon is unavoidable—real estate’s got its own language. The key is whether the agent explains...

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RE: Is Mortgage Refinancing in Dallas Worth It Right Now?

I hear you on the PMI pain—nobody wants to go back there if they can help it. You mentioned, That’s spot on in most cases, but I’ve seen a few folks ...

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RE: Why 2025 is the Right Time to Buy or Refinance in North Texas

Couldn’t agree more with your take on demand and inventory. I’ve seen the same thing—people waiting for that “just right” rate, and by the time they’r...

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

Switching lenders mid-process can be a gamble. I've seen it save deals that were going south, but also watched it turn into a paperwork nightmare. Usu...

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RE: DITCHING THAT PESKY MORTGAGE INSURANCE - WORTH THE HASSLE?

Totally get that—strict budgeting can burn you out fast. I've seen clients go intense at first, then ease up once they realize it's okay to breathe a ...

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RE: Hidden fees and surprises when buying a home

Loan Estimates can definitely feel like they're written in another language sometimes. I remember when we bought our first home, I thought I'd done al...

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