marketing_pat6969
marketing_pat6969
@marketing_pat6969
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RE: Does an old bankruptcy matter more than a recent one?

Honestly, I’ve had lenders dig up a decade-old bankruptcy on one of my deals and act like it happened last week. Meanwhile, another bank barely glance...

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RE: Wondering if I can still qualify for a HARP refi these days

Yeah, lenders love their magic numbers...78% is like some sacred ritual they refuse to budge on. Had a similar issue myself—appraisal came in lower th...

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RE: Buying a house after bankruptcy—bigger down payment or wait it out?

That's a great point, and I've seen something similar play out firsthand. A few years back, I worked with a buyer who had recently come out of bankrup...

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RE: Tapped into my home's value and finally debt-free—anyone else done this?

Couldn't agree more about the emergency fund—it's one of those things you don't fully appreciate until you're caught without it. When I tapped into my...

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RE: Is It Just Me or Is Refinancing Way More Confusing Than It Should Be?

You're definitely not alone in feeling this way. Refinancing can seem deceptively simple at first glance, but once you dive in, it's like peeling back...

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