Mortgages discussions and local services.
megan_frost
Discussion activity
Topics and replies this member has contributed.
RE: Getting through debt counseling without losing your mind
I get where you’re coming from, but I’ll admit I had to go the opposite route for a while. When I first started debt counseling, I thought a little treat here and there wouldn’t hurt. But honestly, those “small” splurges...
RE: Getting Results When Your Loan Servicer Drops the Ball
I get the whole “stay calm and persistent” thing, but honestly, I’ve found that sometimes you *do* need to go a bit more assertive, especially if it starts impacting your credit. Had a servicer mess up my payoff once, an...
RE: Does an old bankruptcy matter more than a recent one?
I totally get where you’re coming from. Years ago, I filed for bankruptcy after a messy divorce and honestly thought it would haunt me forever. But after about 7 years, things started to shift - lenders seemed less wary,...
RE: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses?
I’ve watched a buddy of mine skip the inspection thinking the VA appraisal would catch everything - ended up with some nasty plumbing issues a few months later. Honestly, that extra couple hundred bucks for your own insp...
RE: Can You Buy a Home with a 580 Credit Score?
I actually managed to squeak through with a 585 a couple years back, so it’s definitely possible, but man, it was a ride. The lender kept coming back for more paperwork - bank statements, letters explaining every weird b...
RE: Thinking about refinancing my VA mortgage, curious what others are doing
Yeah, that funding fee can really sneak up on you. When I refinanced mine recently, I was also surprised by the title insurance costs - felt like they were nickel-and-diming me at every turn. Did anyone else find title f...
RE: When Can I Finally Ditch Mortgage Insurance?
Been there myself. A couple years ago, I tried to drop PMI on my first place after putting in some sweat equity renovation. Thought I'd easily hit the 20% threshold, but the lender's appraiser nitpicked my comps like cra...
RE: Borrowed from a friend instead of the bank and it worked out great
Yeah, borrowing from friends can definitely work out well, but it's always a bit of a gamble. A while back, I borrowed some cash from a buddy to consolidate some credit card debt. We kept it casual - no paperwork or anyt...
RE: Mortgage rules just got tighter - didn't see that coming
Interesting point, but honestly, I'm not entirely convinced that lenders are really scrutinizing streaming subscriptions to that extent - at least not across the board. When I refinanced recently, my broker barely glance...
RE: My experience getting monthly income from home equity
Been there myself. A while back, I tapped into equity to fund a rental property - numbers looked great on paper too. But then the HVAC system decided to quit in the middle of summer, and tenants weren't exactly patient a...
RE: My experience getting monthly income from home equity
I've noticed that sometimes local infrastructure projects or school district improvements can hint at upcoming assessment hikes. A few years back, our neighborhood got a new park and some road upgrades - seemed great at ...
RE: CONFUSED ABOUT LOANS THAT DON'T FIT THE BOX
I get where you're coming from, but sometimes those "flexible" loans come with hidden traps. A few years back, I opted for one of those because my situation didn't neatly fit the bank's criteria... seemed great at first,...
RE: Locked in My Mortgage Rate at the Perfect Time
I feel you on that hesitation. Back in 2016, I was convinced rates would keep dropping, so I held off refinancing for a bit. Sure enough, they spiked unexpectedly, and I ended up locking in higher than I'd hoped. It wasn...