river_parker
river_parker
@river_parker
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Topics: 0 / Replies: 10
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RE: Can You Buy a Home with a 580 Credit Score?

That “rent just feels like money down the drain after a while” line hits home for a lot of folks. But here’s something I always wonder—have you ever r...

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RE: Why Is Getting a Mortgage So Hard When You're Self-Employed?

It’s wild how often this comes up. I’ve had folks come to me after years of writing off every possible expense, thinking they’re being smart with taxe...

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RE: Buying a house after bankruptcy—bigger down payment or wait it out?

Stretching to buy sooner vs. waiting for a bigger down payment—this is the classic dilemma, especially after bankruptcy. I totally get what you mean a...

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RE: When Can I Finally Ditch Mortgage Insurance?

You're spot on about the math not always being straightforward—I've seen this scenario play out a lot. PMI can feel like throwing money away, but some...

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RE: Home equity loans and taxes—did you know this?

Yeah, it's surprising how many homeowners still assume all HELOC interest is deductible. The rules changed back in 2018—now it's mostly limited to imp...

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RE: Waiting forever on my refinance loan approval—is this normal?

That's interesting, but I'd say the type of refinance can still matter quite a bit. Cash-outs typically involve extra appraisal steps and underwriting...

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RE: Found a dream home thanks to rural loan perks

Exactly this. Gravel itself usually isn't a big deal, but insurers get twitchy about runoff and erosion because those issues can quietly escalate into...

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

Financial stability definitely matters, but sometimes I wonder if we overestimate how much security a stable job really gives us. Think about it step-...

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RE: CONFUSED ABOUT LOANS THAT DON'T FIT THE BOX

I get what you're saying about lenders just protecting themselves, but honestly, sometimes it does feel a bit sneaky. I've had clients completely blin...

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RE: Unlocking My House's Value: A Cautionary Tale

Yeah, tapping equity for a vacation can get tricky real quick... First, you're sipping cocktails on the beach, next thing you know, the roof leaks or ...

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