Mortgages discussions and local services.
gardening_kathy
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RE: Thinking about buying a home in Texas in 2026. Which cities are actually worth considering?
It’s wild how those “special assessments” sneak up on you. When I was looking in North Austin, the HOA mentioned nothing until I was knee-deep in paperwork - then, boom, there’s a line about a $1,200 roof fund. I’ve seen...
RE: Feeling relieved after my rate adjustment - anyone else surprised by their loan limits?
I had the exact same reaction when I saw my pre-approval letter. The number looked huge on paper, but once I started plugging in my actual monthly expenses - student loan, groceries, gym membership, and yeah, my daily co...
RE: Why I went with a fixed rate mortgage (and maybe you should too?)
I get where you’re coming from, but I actually went with a 7/1 ARM last year and haven’t regretted it (yet, at least). The lower rate up front really helped us stretch our budget, and we figured we’d probably move before...
RE: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses?
I used to think the VA appraisal was basically a home inspection too, mostly because everyone kept calling it an “inspection” during my process. But yeah, it’s really just a check to make sure the place meets minimum sta...
RE: Home equity loans and taxes - did you know this?
Yeah, I totally get the confusion. When I bought my place last year, I thought I’d be super organized and keep every receipt, but then I realized half the stuff is a judgment call. Like, I swapped out my old windows for ...