Mortgages discussions and local services.
jrunner12
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RE: Fixed mortgage payment went up?
Yeah, I’ve thought about skipping escrow too, especially when I see those high-yield rates. But honestly, I’d probably mess up a payment at some point - life gets busy. The little bit of extra interest just doesn’t seem ...
RE: Escrow accounts - better through banks or independent services?
Yeah, I get what you mean about the paperwork - banks really do love their forms. I’ve tried using one of those online escrow services for a car sale once, just to save a bit on fees. It worked out, but honestly, I was s...
RE: Texas Homebuyers: What’s Stopping You From Your Dream Household?
Title: Texas Homebuyers: What’s Stopping You From Your Dream Household? Man, I totally get the anxiety around foundation stuff. I’m the type who’d rather walk away than end up living in a “fixer-upper” that just keeps f...
RE: How Do You Shop Around For Home Insurance - Or Do You Just Stick With The Same Company?
I get wanting to avoid the “too cheap, too simple” trap, but honestly, I’ve found some decent policies by shopping around and not just sticking with the big names. Sometimes the smaller companies are more flexible - had ...
RE: Refinancing with less stress: One simple way to speed things up
I get the frustration, but honestly, I’ve saved a ton since I switched to a cheap laser printer a couple years ago. The toner lasts forever, and it doesn’t dry out if I don’t print for months. Still need to print the odd...
RE: “High DTI means automatic denial”… right?
Title: “High DTI means automatic denial”… right? Yeah, I’ve seen the same thing - DTI isn’t the end-all, be-all. My own ratio was a bit higher than I wanted when I bought my place, but my credit was solid and I had a de...
RE: “High DTI means automatic denial”… right?
That’s the dream, right? I’ve been down the DTI rabbit hole more times than I care to admit. It’s wild how you can have a fat emergency fund, steady income, and still get the “computer says no” treatment because your rat...
RE: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses?
Totally agree with you on this. The VA appraisal catches the obvious stuff, but it’s not a deep dive. I’ve been through the process twice now, and both times I paid extra for a full inspection out of pocket. It stings a ...