Mortgages discussions and local services.
ljackson10
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Topics and replies this member has contributed.
RE: Why does getting a bigger mortgage have to be so complicated?
- It’s nuts, right? I’ve had to explain Venmo transfers for pizza nights - like, who’s laundering $40 at a time? - In my experience, smaller banks *sometimes* cut you a bit more slack, but it really depends on the loan...
RE: Hard money lenders vs. online fix and flip platforms: which is less hassle?
- Had a deal nearly fall apart last year because the online lender’s system flagged a missing doc I’d already sent. Took days to get a real answer. - Hard money guys are more flexible, but I’ve had them nickel-and-dime m...
RE: Frisco folks: 2-1 Buydown loans actually helping buyers right now?
Definitely seeing the same thing out there - some folks are upfront, but a lot just gloss over the “what happens in year three” part. Here’s what I’ve noticed: - The “you’ll just refinance” line gets tossed around way t...
RE: How Family Home Sales Can Help You Buy Faster (Without Huge Cash)
Honestly, I get why the banks are strict, but sometimes it feels like overkill. Here’s the thing though - proceeds from a family home sale usually have a clearer paper trail than random transfers or gifts. In my experien...
RE: Did you know housing counselors can help with credit issues too?
Honestly, I get the logic behind keeping old cards for the credit history, but sometimes I wonder if it’s a bit overblown. I’ve closed a couple of my oldest cards and didn’t see a huge drop - maybe 10-15 points, tops. De...
RE: Does having a top-notch credit score really make home buying easier?
- Can’t argue with that. I’ve seen deals stall over stuff like a $500 Venmo from a friend - underwriters want to know *everything*. - High credit scores help with rates and first impressions, but they’re not a golden tic...
RE: How Do You Shop Around For Home Insurance - Or Do You Just Stick With The Same Company?
- Seen both sides of this. - Cheap premiums can be a red flag, but pricey ones don’t always mean smooth claims either. - Had a “top tier” policy once and still fought tooth and nail for payment. - Honestly, I care ...
RE: Thinking About Refinancing? Rate & Term Refi Might Save You More Than You Think (Plus a 10-Day Closing Option)
- No kidding, the number of deals that nearly fall through thanks to a missing smoke detector or loose door handle is wild. - Honestly, I find it odd how lenders will flag paint chips on a window sash but breeze past the...