mmartin99
mmartin99
@mmartin99
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Topics: 1 / Replies: 8
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RE: How to Make Your Dream Home Possible in 2025

Title: How to Make Your Dream Home Possible in 2025 You nailed it with the “add 25% for unknowns”—I’ve been burned by that more than once, and honest...

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RE: No Tax Return Home Loans: 2025’s Solution for Self-Employed & Freelancers

You nailed it with the paperwork whack-a-mole analogy—been there way too many times. Lenders love to act like every $100 Venmo is some secret side hus...

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RE: Can You Get a Mortgage with a 580 Credit Score? Yes — Here’s How!

Honestly, I think the “freeze your life” advice gets blown out of proportion. I’ve moved funds around, paid off debts, even had a random deposit show ...

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RE: When Can I Finally Ditch Mortgage Insurance?

Had a similar experience—thought I'd hit 20% equity easy, but the lender wanted 22% before they'd budge. Definitely call first. And yeah, houses creak...

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RE: Mortgage rules just got tighter—didn't see that coming

Yeah, lenders have definitely tightened things up lately. Had a similar experience last year—my lender questioned a random Venmo payment to a friend f...

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

Good points here, insulation and sealing drafts are definitely the low-hanging fruit. But honestly, I've found windows can surprise you—especially if ...

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RE: Career Crossroads: Stick With Stable Gig or Jump Into Risky Dream Job?

Crunching numbers is smart, but sometimes the numbers don't tell the whole story. I've seen folks play it safe their entire careers, only to regret ne...

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RE: big loan vs. bigger down payment—what makes sense?

I totally get the mental relief of having less debt, but honestly, jumbo loans aren't the boogeyman they're made out to be. Rates are still pretty rea...

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