Mortgages discussions and local services.
runner326705
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RE: Has anyone actually used rhs loans or down payment assistance to buy a home?
- Couldn’t agree more about the fine print. - I used a local DPA once - helped with upfront costs, but the resale rules were a headache. - If you plan to move or refi in a few years, these programs can get in the way...
RE: I kept getting denied for a mortgage because I’m 1099… turns out I was doing it completely wrong
Definitely agree about the paper trail. I’ve had underwriters ask about $8 PayPal transfers, which felt over the top, but I get it. A few things that helped me: - Keep business and personal accounts 100% separate. - Lab...
RE: Physicians Loans Available Take Tax Advantage Now
- I get the regret, but honestly, waiting saved me a ton once. - Rates can bounce, but sometimes patience pays off - timing’s just luck half the time. - I’d rather miss a dip than rush in and regret a bigger payment ...
RE: Texas Homebuyers: What’s Stopping You From Your Dream Household?
- 100% agree - “new” doesn’t always mean “worry-free.” - I’ve toured homes built in the last 5 years with busted HVACs and leaky windows. - Older homes can be money pits, but at least you know what’s already been fix...
RE: TAKING OVER SOMEONE ELSE'S FHA LOAN VS. GETTING A NEW ONE - WHICH MAKES MORE SENSE?
- Lower rate sounds great on paper, but man, the paperwork for assuming an FHA is no joke. - I looked into this last year thinking I’d save a chunk, but between the docs, waiting for approvals, and random requests from...
RE: Rolling Multiple Debts Into One Payment - Worth It?
- Totally get what you mean about the “one payment” thing being tempting. I almost jumped at it just for the mental relief. - But yeah, those sneaky fees are everywhere. I once thought I was being clever consolidating, t...
RE: Imagining a landlord juggling DSCR loans and rent chaos
Honestly, I’ve been burned by skipping warranties before. Had a fridge and a furnace go out the same year - ended up costing way more than a few years of coverage. - Agree with you on only covering the big-ticket stuff...