Mortgages discussions and local services.
raygonzalez873
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Topics and replies this member has contributed.
RE: Finding the best home loan rates without losing your mind
I get what you’re saying about the credit score thing, but I’ve actually seen a small dip even when I kept my rate shopping tight. Maybe it’s just how the bureaus process things, or maybe my timing was off. Either way, t...
RE: CHOOSING BETWEEN KEEPING THE HOUSE OR STARTING FRESH AFTER BANKRUPTCY
I get where you’re coming from, but honestly, sometimes sticking it out with the house is worth it, even if it’s tough for a while. I went through a rough patch a few years back - job loss, bills piling up, the whole nin...
RE: How Do You Shop Around For Home Insurance - Or Do You Just Stick With The Same Company?
Yeah, I hear you. I stuck with the same company for ages just because my parents used them, but when I actually needed help, it was a mess. Now I check reviews and compare coverage every couple years. Loyalty doesn’t mea...
RE: Is now a dumb time to refi or should I wait it out?
Yeah, I hear you on the “what if” part - it’s easy to get caught up in chasing the absolute lowest rate. When we refi’d a couple years back, I kept thinking rates might drop just a hair more, but at some point you’ve got...
RE: “High DTI means automatic denial”… right?
Had to laugh at the birthday check thing - been there, too. I swear, they wanted a DNA sample for a $50 Venmo from my aunt. As for manual underwriting, I actually squeaked through once when my DTI was just a hair over th...
RE: Imagining a landlord juggling DSCR loans and rent chaos
I get where you’re coming from, but honestly, I’ve had more headaches than wins with warranties - especially those third-party ones. The manufacturer ones are a bit better, but even then, the hoops they make you jump thr...