minimalism764
minimalism764
@minimalism764
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Topics: 0 / Replies: 11
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RE: How Do You Shop Around For Home Insurance—Or Do You Just Stick With The Same Company?

Yeah, I get that. I’ve seen clients get burned thinking loyalty would pay off, but honestly, insurance companies don’t always play fair. I’m probably ...

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

Yeah, I’ve seen it happen, especially with jumbo loans or if there’s any other “weirdness” in the file. Had a client last year with a bankruptcy from ...

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RE: Mortgage statement mistakes: did you know you have rights?

It really does feel like a test of patience sometimes. I’ve seen folks get so frustrated they just give up trying to fix the mistake, which is honestl...

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RE: Is a balloon mortgage right for short-term homeowners?

Yeah, that balloon payment at the end can sneak up on you if you’re not careful. I’ve seen people get caught off guard when their plans to sell fall t...

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RE: Locked in My Mortgage Rate at the Perfect Time

Honestly, you nailed it by pushing back. — those are the ones I always tell people to look out for. Sometimes they’ll budge, sometimes not, but it’s ...

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RE: Navigating property taxes without losing your mind

This is spot-on advice. I've seen it happen firsthand—clients chasing lower taxes only to get blindsided by sudden hikes. Another thing worth checking...

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

Yeah, the original HARP program wrapped up a few years back. I remember because I had a client who was scrambling to get their paperwork in right befo...

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RE: Found a dream home thanks to rural loan perks

Yeah, I've noticed something similar. Had a client recently who went all-in on a fancy kitchen remodel—high-end appliances, marble countertops, the wo...

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RE: How to Qualify for a DSCR Loan Without Losing Your Mind

Been there myself—prep work is no joke. I remember a client who thought DSCR loans were just about showing decent rental income. Then the lender asked...

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RE: Locked in My Mortgage Rate at the Perfect Time

Totally agree with this. Had a client last year who was laser-focused on finding that absolute rock-bottom rate. She ended up going with a lender know...

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RE: Buying Land Without Building Right Away—Did You Know This?

That's a great point—definitely worth checking into local resources. One thing I'd add from experience: if you're looking at buying land near water, e...

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