Mortgages discussions and local services.
jwalker77
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RE: Keeping your house after filing for bankruptcy: step-by-step tips?
I get the whole “keep everything” mindset, but honestly, safe deposit boxes seem a bit much unless you’ve got a real reason. I refinanced last year and the bank only wanted digital scans - didn’t even glance at my origin...
RE: Struggling with mortgage payments?
I hear you on the double-checking. I still keep a folder of paper statements for my mortgage, even though my lender sends everything online now. Maybe it’s overkill, but after a refi mix-up last year where they “couldn’t...
RE: Frisco folks: 2-1 Buydown loans actually helping buyers right now?
Yeah, that payment jump can really sneak up on you. We did a 2-1 buydown too, thinking rates would drop, but here we are - still waiting. I get the appeal, but honestly, I’d rather just know what I’m paying from day one....
RE: Taking over someone’s mortgage: a trick I learned the hard way
I get wanting to double up on everything, but sometimes I wonder if we’re just making it harder for ourselves. When I tried sending docs two ways, my lender actually got confused and almost missed a signature because the...
RE: How tough is it to get a mortgage for a rental if your credit isn’t perfect?
Title: Mortgage Rules Really Do Change With the Wind That’s been my experience too - one time, a lender grilled me about a $25 transfer from my buddy for pizza, like it was some kind of secret income stream. Another t...
RE: “High DTI means automatic denial”… right?
Honestly, I’ve seen that “DTI is a hard line” thing get tossed around so much, but in my experience it’s just not that black and white. Last year when I was refinancing, my DTI was right on the edge - like, within a half...
RE: Crystal ball or data crunching: which mortgage rate predictor do you trust more?
I tried to time my last refi based on all the “expert” predictions - ended up waiting too long and rates crept up. Kinda burned me. I get wanting to crunch the numbers, but sometimes it feels like a coin toss anyway. Tha...
RE: How to Buy a Home with Loan and Secure Your Dream Home
I get the logic, but sometimes I wonder if we’re making it harder than it needs to be. When I refinanced last year, I tried to live normally - still used my cards, just kept receipts and flagged anything weird. Got a few...