robertcloud944
robertcloud944
@robertcloud944
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RE: Feeling relieved after my rate adjustment—anyone else surprised by their loan limits?

Yeah, I totally get what you mean about the numbers being both a blessing and a curse. When I refinanced last year, the bank’s “comfortable” limit was...

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RE: Zero Down vs. Lower Interest: Which USDA Option Makes More Sense?

This is exactly what tripped me up when I refinanced last year. The “zero down” pitch sounds great, but once you factor in the USDA guarantee fee and ...

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RE: Can You Buy a Home with a 580 Credit Score?

That’s been my experience too, and it’s honestly baffling. When I refinanced last year, they flagged a Venmo payment from my sister for splitting dinn...

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RE: Escrow accounts—better through banks or independent services?

That’s interesting—my experience was almost the opposite. The bank I used kept mixing up my property tax disbursements, which led to a bunch of late n...

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

I refinanced last fall with an 800+ score and honestly, it didn’t feel any smoother paperwork-wise. Still had to upload every document under the sun. ...

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