Mortgages discussions and local services.
pjoker17
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RE: Refinancing your mortgage - little trick I learned to snag a better rate
Yeah, I had something similar happen when we refinanced a couple years back. My credit report had an old credit card listed as open, even though I'd closed it ages ago. Didn't think much of it at first, but our lender fl...
RE: Wondering if I can still qualify for a HARP refi these days
Is it really fair to dismiss HARP entirely based on one client's experience, though? I mean, yeah, paperwork can be a headache, but didn't HARP help a lot of folks who were underwater on their mortgages? Maybe it wasn't ...
RE: Buying a house after bankruptcy - bigger down payment or wait it out?
Yeah, I tend to agree with your take. It's tricky because inspectors recommended by realtors have a built-in incentive to keep the realtor happy - repeat business and all that - but they also have their own reputation to...
RE: Thinking about refinancing my mortgage - worth it or waste of time?
Good point about leaving wiggle room, but I'm curious - did refinancing actually save you enough each month to justify the hassle and closing costs? I've been crunching numbers, and sometimes it seems like the savings ar...
RE: Getting your mortgage company to pick up the pace
I've been wondering about this too - does backing off really help, or is it just coincidence? I mean, it makes sense that pushing too hard can annoy people, but on the other hand, if you don't push at all, won't they jus...
RE: Feeling Stuck Paying Only Interest and Getting Nowhere
Yeah, refinancing definitely helped me too, but did you find the closing costs worth it? Took me a while to break even. Still, seeing the principal finally budge after years of interest-only payments felt pretty great...
RE: PRE-APPROVED OR WINGING IT: WHAT IF YOU FOUND YOUR DREAM HOME FIRST?
Interesting points raised here. I've always wondered - doesn't it depend heavily on the seller's situation too? When we bought our place, the seller was in a hurry to move out of state, and they seemed way more intereste...
RE: PRE-APPROVED OR WINGING IT: WHAT IF YOU FOUND YOUR DREAM HOME FIRST?
Yeah, pre-approval isn't foolproof. I refinanced last year and even with everything lined up neatly, the lender suddenly wanted extra paperwork at the last minute - talk about stressful. Makes me wonder, how much should ...