Mortgages discussions and local services.
jrebel99
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Topics and replies this member has contributed.
RE: Does an old bankruptcy matter more than a recent one?
I get where you’re coming from - some of the big banks definitely have their own playbook when it comes to old bankruptcies. But is it really that black and white? When I refinanced last year, my bankruptcy was over a de...
RE: Getting a letter about property being sold - what now?
I get why people worry, but sometimes I think the risk is overblown. When I refinanced last year, there was an old shed with questionable paperwork and the lender barely blinked. Is it really that common for minor stuff ...
RE: Thinking about refinancing my VA mortgage, curious what others are doing
I’m right there with you on not letting the little fees distract from the bigger numbers. When I refinanced last year, I got so caught up arguing over a $50 “doc prep” fee that I almost missed my lender sneaking in a sli...
RE: Thinking About Refinancing? Rate & Term Refi Might Save You More Than You Think (Plus a 10-Day Closing Option)
I get that lenders want to be thorough, but sometimes it feels like overkill. I mean, how much risk is there in a $12 pizza split? I went through this last year and honestly, the constant explanations got old fast. Did i...
RE: Can You Buy a Home with a 580 Credit Score?
Honestly, I get the appeal of jumping in early, but I keep circling back to the numbers. You mentioned, That’s what tripped me up. We bought with a 600-ish score and yeah, we refinanced after about two years, but the PM...
RE: Does having a top-notch credit score really make home buying easier?
I’ve been through the refi wringer twice in the last five years, and honestly, I’m not convinced a killer credit score makes things *that* much easier. Sure, you get a better rate, but the hoops? Still there. Last time, ...
RE: Dallas Homebuyers: Don’t Pick a Mortgage Broker Until You Read This
But do you ever worry about pushing too hard and having it backfire? I get the need to question everything, but sometimes I wonder if being too aggressive just makes the process harder. I've had a broker get weirdly defe...
RE: CONFUSED ABOUT LOANS THAT DON'T FIT THE BOX
I get where you’re coming from, but I’m not totally convinced it’s all smoke and mirrors. Some of these fees probably do cover legit work - like, underwriting actually takes time, right? But yeah, the courier fee in 2024...
RE: Thinking about adjustable-rate mortgages - smart move or ticking time bomb?
Yeah, I hear you on people overestimating rental income. It’s easy to look at the “average rent” and forget about stuff like vacancies, repairs, or even just bad tenants. When I refinanced into an ARM a couple years back...
RE: What if your town suddenly doubled your property taxes overnight?
Would appealing really help though? I mean, if the town's desperate enough to double taxes overnight, what's the chance they'll actually budge? I'd probably still try it, but honestly... I'd keep those Zillow tabs open j...
RE: CONFUSED ABOUT LOANS THAT DON'T FIT THE BOX
I've tried mentioning competitor rates before, but honestly, lenders usually seem pretty set in their ways from what I've experienced. Maybe it's less about competitor specifics and more about how eager they are to close...
RE: Navigating property taxes without losing your mind
Yeah, that's exactly where I'm stuck too... I'm refinancing right now, and honestly, every time I hand over paperwork I wonder if I'm just giving them more rope to hang me with later. But I guess withholding stuff could ...