river_thomas
river_thomas
@river_thomas
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Topics: 0 / Replies: 14
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RE: How Do You Shop Around For Home Insurance—Or Do You Just Stick With The Same Company?

I get where you’re coming from, but I actually think sticking with the same company can pay off sometimes—especially if you’ve built up loyalty discou...

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RE: Does having a top-notch credit score really make home buying easier?

Definitely agree that a high credit score opens doors, especially with those interest rates. I’ve seen buyers with scores in the high 700s breeze thro...

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RE: IS IT WORTH USING A MIDDLEMAN FOR HOME LOANS?

TITLE: IS IT WORTH USING A MIDDLEMAN FOR HOME LOANS? That’s a fair point—sometimes the “easy” route for the broker isn’t always the best deal for the...

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

Honestly, I tell clients to keep a “just in case” folder with pay stubs, tax docs, and anything odd that pops up—like random deposits or gifts. It’s n...

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RE: How do you even pick a realtor you can trust?

You nailed it—sometimes the “boring” agents are the ones who save you from a nightmare at closing. I always tell folks, don’t be afraid to ask about t...

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RE: Boosting My Credit a Bit Before I Refinance—Worth the Wait?

Title: Boosting My Credit a Bit Before I Refinance—Worth the Wait? That’s actually a solid point about lender thresholds—those brackets can be sneaky...

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RE: Found a sneaky way to lower those pesky interest rates

That’s the truth—“we’ll get back to you” is basically code for “don’t call us, we’ll call you... maybe.” I’ve seen clients get stuck in that limbo way...

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RE: Thinking about refinancing my VA mortgage, curious what others are doing

Had a similar experience recently when refinancing my VA loan. Initially, I just pushed back on the lender I had, thinking it'd save me time. But then...

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RE: First-time buyer blues: grants vs. loan programs

I had a similar experience when I bought my first place. Initially, I thought community centers would just hand out flyers or repeat stuff I'd already...

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

Totally makes sense to keep things clear from the get-go, even if it feels a bit awkward at first. I've seen similar situations happen with family mem...

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

Haha, spreadsheets rarely do! Honestly, I've seen plenty of folks rush into buying right after bankruptcy, and while it's doable, the terms can be pre...

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RE: HIGHER DOWN PAYMENT VS. HIGHER INTEREST RATE FOR INVESTMENT PROPERTY

I see your point about having cash on hand for emergencies, and yeah, that peace of mind is definitely valuable. But there's another angle worth consi...

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RE: Thinking about tapping into home equity for a remodel—smart move or risky?

Couldn't agree more. I've seen clients pour money into trendy upgrades expecting big returns, only to be disappointed later. Curious though—anyone her...

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

Couldn't agree more. I've seen clients surprised by this firsthand—like when someone uses equity to renovate their kitchen, that's usually straightfor...

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