lking80
lking80
@lking80
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Topics: 0 / Replies: 10
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RE: Found a sneaky way to lower those pesky interest rates

Yeah, totally agree here. I recently went through the whole first-time homebuyer circus, and honestly, trying to bluff lenders felt like a waste of ti...

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RE: When Can I Finally Ditch Mortgage Insurance?

Yeah, totally agree with this. When we bought our first home, we figured we'd ditch mortgage insurance pretty quickly because the market was hot. But ...

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RE: Borrowed from a friend instead of the bank and it worked out great

Totally agree—borrowing from friends can work, but it takes a certain kind of friendship and a lot of upfront honesty. When I bought my first house, I...

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RE: Smart Thermostat Vs. Energy-Efficient Windows: Which Saves More Money Long-Term?

Did attic insulation last year and honestly, it's been worth every penny. Windows were way too pricey for me as a first-time homeowner, and the thermo...

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RE: Figuring out how much of my house I actually own

Haha, raccoons behind cabinets...that's a new one for me. But yeah, permits are no joke. My inspector found DIY wiring hidden behind drywall—total fir...

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RE: Thinking about refinancing my VA mortgage, curious what others are doing

Went through this exact thing last year. Thought refinancing would save me a ton, but after crunching numbers with closing costs and fees... wasn't wo...

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RE: Navigating property taxes without losing your mind

Yeah, I get what you're saying. Went to my first community meeting last month hoping for clear answers about property taxes, and it was mostly folks a...

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RE: How Much Value Does Your Stuff Really Lose Over Time?

Totally get your point about those little fixes adding up, but honestly, as a first-time buyer, I kinda expect some imperfections. If everything's too...

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RE: thinking about tapping into home equity, any tips?

We just went through this ourselves—pulled a bit of equity to cover some urgent repairs. Honestly, it worked out fine, but you really gotta crunch the...

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RE: how much debt feels comfy when getting a HELOC?

Totally feel this. Personally, I'm in the "under 20%" camp—especially as a first-timer. Banks might say 30-40% is acceptable, but honestly that's push...

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