Mortgages discussions and local services.
james_whiskers
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RE: What Texas Homeowners Should Know About Cash Out Refinance
The 80% rule is brutal - totally agree, it’s not intuitive if you’ve refinanced elsewhere. What gets me is how picky they are about documentation. I thought I was organized, but Texas lenders seem to want every scrap of ...
RE: Has anyone actually used rhs loans or down payment assistance to buy a home?
I’ve refinanced twice and looked into DPA stuff, and honestly, the rules seem to change with the wind. It’s not just you. I get why they want to be careful, but it feels like they make it harder than it needs to be. At o...
RE: Does an old bankruptcy matter more than a recent one?
I hear you on the inconsistency. It’s almost like a lottery - depends on the underwriter’s mood or how much coffee they’ve had. I had one ask for “proof” that a bankruptcy from 12 years ago was actually discharged, even ...
RE: Waiting forever on my refinance loan approval - is this normal?
Honestly, it’s ridiculous what they’ll flag sometimes. I had to explain a $40 PayPal from my brother - like, do they think I’m laundering money for lunch? It’s frustrating, but you’re not alone. The process drags on way ...