Mortgages discussions and local services.
sarahh57
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RE: Has anyone actually used rhs loans or down payment assistance to buy a home?
Yeah, that’s exactly what happened to me during my refi. - Every random Venmo or Zelle from family? Had to explain it. - Even a birthday check got flagged. - Honestly, I get why they do it, but it feels like overki...
RE: Struggling with mortgage payments?
Yeah, it’s honestly wild how much stuff still gets lost in the shuffle. I’ve had to resend the same tax return three times before they finally acknowledged it - makes you wonder what’s actually happening on their end. Yo...
RE: Getting through debt counseling without losing your mind
- I hear you, but spreadsheets can get messy fast if you’re not careful. I tried the “shoebox method” and just ended up with receipts everywhere. - Apps are overkill for me too, but I do like having alerts for due dates ...
RE: Waiting forever on my refinance loan approval - is this normal?
- Been stuck in refinance limbo for weeks now, and honestly, I’m starting to wonder if underwriters just get bored and start nitpicking for fun. - The Venmo thing cracks me up - like, yeah, I’m definitely laundering mo...
RE: How Family Home Sales Can Help You Buy Faster (Without Huge Cash)
We actually went with a written agreement, even though it felt a bit formal at first. Here’s why: - Memories get fuzzy, especially about money. - Family dynamics can get weird fast if someone feels shortchanged. - The b...
RE: How Family Home Sales Can Help You Buy Faster (Without Huge Cash)
Not sure I’m totally sold on the idea that formal agreements always make things smoother. Here’s what I’ve seen: - Sometimes, putting everything in writing actually *creates* tension that wasn’t there before. People sta...
RE: “High DTI means automatic denial”… right?
HIGH DTI DOESN’T GUARANTEE A “NO” Not gonna lie, when we refinanced last year, I was sweating bullets over our DTI. It was just over 45%, and I kept reading those “hard stop” posts everywhere. But here’s what actually h...
RE: Can You Buy a Home with a 580 Credit Score?
I get what you’re saying about FHA being more upfront, but honestly, I found my conventional refi way less invasive. Yeah, they wanted docs, but no weird letters about old stuff - just paystubs and tax returns. Maybe it ...
RE: Before You Buy a Home, Read This - DHM Exposes the Hidden Costs Nobody Warns You About
Totally agree on that. I actually called out a lender once on their “processing fee” and - surprise - they dropped it by $400 after a little back and forth. But yeah, appraisal fees? Forget it. I tried every angle, even ...