scottmiller122
scottmiller122
@scottmiller122
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Topics: 0 / Replies: 9
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RE: Thinking about refinancing my mortgage—worth it or waste of time?

Timing the market is always a bit of a gamble, honestly. Even with all the data and experience, I've seen plenty of folks wait for rates to drop furth...

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

Yeah, refinancing isn't always as smooth as advertised, banks love their paperwork... Grants can be great upfront, but I've seen folks surprised when ...

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

Yeah, credit unions can be decent, but they're definitely not a magic bullet. Had a client once who was about two years post-bankruptcy and eager to j...

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RE: Figuring out how much of my house I actually own

Yeah, catching it early definitely saved you from a bigger headache down the road. But honestly, property lines are always messier than people think. ...

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RE: Trying to figure out how much of my house I actually own

Yeah, lenders can be pretty picky about older surveys. Had a client recently who thought they'd be fine with a survey from the '90s, but nope... lende...

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RE: Refinancing your mortgage—little trick I learned to snag a better rate

I get the appeal of handling taxes and insurance yourself, but honestly I've seen it backfire too. Had a client once who missed their property tax bil...

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RE: How to Qualify for a DSCR Loan Without Losing Your Mind

Haha, seriously, lenders can be something else. Reminds me of a deal I had last year where the lender suddenly decided they needed proof of a roof rep...

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RE: Trying to figure out how much of my house I actually own

Yeah, that's pretty spot-on. I've seen a few cases where clients tried challenging easements, and honestly, most of the time it's a headache. Even if ...

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RE: Wondering if I can still qualify for a HARP refi these days

Yeah, internal lender programs can be hit or miss. I've seen some decent ones pop up here and there, but honestly, they're usually not as borrower-fri...

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