Mortgages discussions and local services.
rriver21
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Topics and replies this member has contributed.
RE: Cut my monthly bills in half by rolling loans together - anyone else try this?
I get where you’re coming from, but I’m not totally convinced rolling loans together is always a bad move. I mean, yeah, the fees can be sneaky, but isn’t it kind of the same with any loan? When I was looking at my first...
RE: Guidance on Home Financing Texas – What Buyers Should Know
Not sure if this is just a Texas thing, but I’ve noticed some lenders here tack on “origination” fees that seem to overlap with other charges. Did anyone ever actually get a straight answer when they asked? I feel like ...
RE: Does an old bankruptcy matter more than a recent one?
I’ve been wondering the same thing, honestly. I keep reading that old bankruptcies “shouldn’t” matter after a certain number of years, but then you hear stories like yours and it makes me nervous. I’m just starting the p...
RE: Nobody Talks About FHA Loans for Disabled Persons - Until Now
That’s exactly what I don’t get. Why is chipped paint a dealbreaker but no ramp or accessible shower isn’t even on their radar? I’m going through this now and it feels like the inspectors are just checking boxes, not act...
RE: When A Mortgage Quote Makes You Go “Hmm…”: What’s Your Dealbreaker?
Title: When A Mortgage Quote Makes You Go “Hmm…”: What’s Your Dealbreaker? I get the whole “walk if they’re not transparent” thing, but is it always that black and white? I mean, I’m new to this, but every lender I’ve t...
RE: When A Mortgage Quote Makes You Go “Hmm…”: What’s Your Dealbreaker?
THE "I DON'T KNOW" ANSWER FEELS WEIRDLY REASSURING Honestly, I’m in the middle of my first mortgage process right now and I’d rather have someone admit they’re not sure than just gloss over it. That said, if I ask for a...
RE: Trying out debt help services - worth it or just more stress?
I’ve been eyeing those debt help ads too, but something about “we’ll fix it all for you” just feels off. Like, if it’s that easy, why isn’t everyone doing it? I’m in the middle of buying my first place and the paperwork ...
RE: Getting through the DSCR loan maze: My step-by-step and a question
Honestly, this is hitting close to home. I’m right in the middle of my first DSCR loan and I’ve already lost track of a scanned W-2 (no clue how). I get what you mean about not trusting “a website I found in a Reddit ad”...
RE: Can You Buy a Home with a 580 Credit Score?
Has anyone actually gotten a lender to drop those “processing” fees entirely, or is it usually just a small reduction? I get that some stuff is non-negotiable, but it feels like there’s always a new random charge every t...
RE: IS IT WORTH USING A MIDDLEMAN FOR HOME LOANS?
I’m in the same boat, trying to figure this out for my first place. The broker route sounds tempting, but I keep wondering if their “exclusive deals” are really that exclusive or just sales talk. Still, the paperwork is ...