Mortgages discussions and local services.
natestone693
Discussion activity
Topics and replies this member has contributed.
RE: Confused about which home mortgage loan fits your situation?
Yeah, I hear you on the “safe” advice from family and friends. When I refinanced last year, everyone told me to lock in a 30-year fixed, but the numbers just didn’t add up for my situation. I ended up with a 7/1 ARM beca...
RE: Before You Buy a Home, Read This - DHM Exposes the Hidden Costs Nobody Warns You About
Not gonna lie, I learned this the hard way. When I refinanced, I dug into our HOA docs and found out the “low fees” were just barely covering basics. Turns out, a year later, we got hit with a special assessment for sidi...
RE: Getting Results When Your Loan Servicer Drops the Ball
Yeah, I’ve been through something similar during my last refi. They “lost” a payoff statement and suddenly my closing was in limbo. I tried being patient, but after three weeks of radio silence, I started dropping phrase...
RE: “High DTI means automatic denial”… right?
That’s been my experience too, unfortunately. When I tried to refi last year, my DTI was just a hair above their cutoff - even though I had a decent chunk in savings and a long work history. The loan officer was sympathe...
RE: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses?
Title: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses? I get where you’re coming from about the inspection being “cheap insurance,” but I’ll admit, when I first...
RE: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses?
Honestly, I learned this the hard way when I refinanced last year. The VA appraisal guy was in and out in maybe 20 minutes, barely peeked at the attic, and didn’t notice a single thing about the old plumbing that ended u...
RE: Before You Buy a Home, Read This - DHM Exposes the Hidden Costs Nobody Warns You About
I hear you on the “capital reserve study” - the first time I saw that in the docs, I thought it meant they had everything under control. Fast forward two years and suddenly we’re all getting hit with a “special assessmen...
RE: Before You Buy a Home, Read This - DHM Exposes the Hidden Costs Nobody Warns You About
That reconveyance fee had me scratching my head, too. I refinanced last year, and suddenly there it was - buried in the paperwork, like a little gremlin waiting to snatch another $80 or whatever it was. My loan officer j...
RE: IS IT WORTH USING A MIDDLEMAN FOR HOME LOANS?
MIDDLEMAN OR DIY: STILL NOT SURE That’s pretty much how it went for me too - felt like I was just along for the ride half the time. The broker did dig up a lender I’d never heard of, but then there were these “admin” fe...
- Replies
- 73
- Views
- 3,897
RE: Explore Your Mortgage Refinance Options in Dallas
Honestly, I can’t help but wonder if they’re just overcomplicating things now. I get wanting to be thorough, but when my lender started asking about my PayPal transfers for splitting utility bills, it felt like overkill....
RE: How meeting with a rental advisor changed my apartment search
That’s actually spot on about the “on site” laundry. Years ago, I rented a place that advertised laundry in the building, but it turned out to be one ancient washer and dryer for 12 units - always broken or in use. I lea...
RE: CONFUSED ABOUT LOANS THAT DON'T FIT THE BOX
I hear you. When I refinanced last year, I had a mix of W-2 and 1099 income, and it was like pulling teeth to get them to even consider the self-employed part. They wanted two years of tax returns, letters from my client...
RE: DITCHING THAT PESKY MORTGAGE INSURANCE - WORTH THE HASSLE?
I feel you on this one. I went through something similar myself... refinanced early thinking I'd nailed it, only to see values spike about a year later. Still kinda stings when I think about the money left on the table. ...