jhill77
jhill77
@jhill77
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RE: Getting approved for an FHA loan: My step-by-step (and a few hiccups)

Yeah, the “as-is” thing can be a real pain, especially when the FHA is involved. I’ve had deals nearly fall apart over a missing GFCI or a window that...

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RE: Getting through the DSCR loan maze: My step-by-step and a question

Title: Getting through the DSCR loan maze: My step-by-step and a question Honestly, the paperwork grind with DSCR loans is wild. I remember thinking,...

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RE: Trying out debt help services—worth it or just more stress?

That’s exactly it. I tried one of those services years ago and honestly, I hated not being able to just pay things off when I had extra cash. The lowe...

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RE: Little-known legal loopholes that can slow down losing your home

Title: Loopholes Aren’t What They Used To Be Here’s the thing—if you’re banking on some secret legal trick to buy months of time, you’re setting your...

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RE: Are you considering buying a home in Dallas? Read this before!

Yeah, the lender obsession with “unusual” deposits is wild. I’ve closed on a handful of properties and every time, it’s the same drill—$20 at Target? ...

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RE: Comparing Online Vs. In-Person Mortgage Rate Quotes

I get what you’re saying, but I’ve actually had a couple lenders shave off $200-$300 in “processing” fees just because I pushed back in person. Online...

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RE: Can You Get a Mortgage with a 580 Credit Score? Yes — Here’s How!

I’ve been through this dance more times than I can count, and honestly, the “bait-and-switch” feeling isn’t just an online thing. I’ve had local lende...

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RE: My experience getting monthly income from home equity

Yeah, I get where you're coming from. Equity is awesome for leveraging growth or steady income streams, but it's not exactly quick cash when life thro...

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RE: Buying a house after bankruptcy—bigger down payment or wait it out?

I've had mixed experiences myself. Realtor's inspector caught stuff I never would've noticed, but I've also seen some who glossed over issues to keep ...

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RE: When Can I Finally Ditch Mortgage Insurance?

That's a solid outcome, congrats on ditching PMI early. I've seen similar situations where cosmetic upgrades like flooring and landscaping really boos...

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RE: How to Qualify for a DSCR Loan Without Losing Your Mind

I get your point about lenders being cautious, but honestly, some of them take it way too far. Had a similar deal recently where the lender wouldn't b...

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RE: Tapping home equity vs. traditional estate planning—what makes more sense?

Good points overall, but I'd push back a bit on the hesitation about tapping equity. Sure, treating it as "free money" is reckless, but home equity ca...

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