ray_frost
ray_frost
@ray_frost
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Topics: 0 / Replies: 12
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RE: When A Mortgage Quote Makes You Go “Hmm…”: What’s Your Dealbreaker?

Totally get where you’re coming from. When I was looking at my first mortgage options, I nearly missed a prepayment penalty buried in the fine print. ...

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RE: Did you know housing counselors can help with credit issues too?

I’ve noticed those random fees too, and it’s honestly a bit unsettling how easily they slip through. I’m pretty cautious by nature, so I tend to comb ...

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RE: How to Buy a Home with Loan and Secure Your Dream Home

I totally get that. Mine’s not pretty either, but I’m too nervous to close it. I’ve read that the length of your credit history can really impact your...

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RE: Why do rates jump around so much?

It’s reassuring to hear I’m not the only one who fixates on those little rate differences. I’ve spent way too much time with spreadsheets, trying to f...

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RE: Why Conforming Loans Are a Great Option for Homebuyers

I totally get what you mean about the paperwork—it’s overwhelming, but at least you know what you’re signing up for. I’m actually in the middle of my ...

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RE: Thinking about adjustable-rate mortgages—smart move or ticking time bomb?

Thinking About Adjustable-Rate Mortgages—Smart Move or Ticking Time Bomb? That “mortgage roulette” feeling is exactly why I’ve been hesitant about AR...

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

This is exactly why I'm hesitant about jumping into a land purchase without thorough due diligence. A friend of mine almost got stuck with a property ...

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RE: Borrowed from a friend instead of the bank and it worked out great

Glad it worked out smoothly for you—it's reassuring to hear positive outcomes like yours. I'm still hesitant myself, but your experience does highligh...

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RE: Figuring out how much of my house I actually own

Yeah, this is exactly why I've been hesitant about properties with easements. When I was house hunting, my realtor pointed out an easement on one prop...

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RE: When Can I Finally Ditch Mortgage Insurance?

That's a fair point—I've been researching this recently, and it seems appraisers do consider neighborhood standards. Still, I'd be cautious about over...

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RE: My bank thinks I'm a spy or something

I've had similar experiences, especially since buying my first home. From what I've noticed, it's less about the type of store and more about transact...

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RE: Loan payments killing your budget? Here's a trick I found

I can definitely relate to this. When I bought my first home, student loans were a huge concern—I was worried they'd stretch my budget too thin. I opt...

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