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jake_young
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RE: Escrow accounts - better through banks or independent services?
Had a similar headache last year when I was refinancing - bank escrow was a total slog. Every time I called, it felt like they had to “pull my file” and then double-check with three different departments. The kicker was ...
RE: Nobody Talks About FHA Loans for Disabled Persons - Until Now
That’s not just you - I've run into that exact same thing. When I was applying for my FHA loan, the lender wanted a “continuance letter” from Social Security, which is odd because SSDI doesn’t really do that. I remember ...
RE: Rolling Multiple Debts Into One Payment - Worth It?
Yeah, I’ve noticed the same thing - lenders rarely spell out the total interest you’ll pay over time. The first time I consolidated, I was so focused on getting rid of the stress from juggling bills that I didn’t even th...
RE: Is now a dumb time to refi or should I wait it out?
That’s the part that always gets me. I’ve been in the same boat - waited, watched rates creep up, and then had to settle for something higher than I wanted. But on the flip side, last year I waited a few months while wor...
RE: Escrow accounts - better through banks or independent services?
I totally get where you’re coming from. I tried one of those “instant” escrow apps last year when I was refinancing, thinking it’d be a breeze. It was - until my payoff amount didn’t match what the lender had on file. Su...