shadow_hiker
shadow_hiker
@shadow_hiker
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Topics: 0 / Replies: 15
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RE: Escrow accounts—better through banks or independent services?

Ever had a deal where the indie escrow actually moved things faster than a bank? I’ve seen banks drag their feet over the tiniest compliance hiccup, b...

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RE: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses?

Honestly, I’ve never seen a VA appraiser catch something big that an inspector missed. Usually, it’s the other way around—inspectors are the ones craw...

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RE: New Homes with Low Interest Rates

Title: Low Dues Always Seem Too Good to Be True Funny thing is, I’ve had clients get super excited about those “intro” dues, only to get sticker shoc...

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

I hear you on the refi thing—timing’s a gamble, especially now. But I do wonder if folks are maybe too quick to write off the benefits of getting in s...

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RE: Does an old bankruptcy matter more than a recent one?

I’ve seen lenders treat an 8-year-old bankruptcy like it’s ancient history, but I’ve also watched others get hung up on it, even when everything else ...

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RE: Are you considering buying a home in Dallas? Read this before!

That line made me laugh, but wow, it’s painfully accurate. I’ve seen so many buyers get swept up in the “character” of a place and then get hit with s...

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RE: Hidden fees and surprises when buying a home

Courier fees are tricky because they're usually small enough that most people just shrug and pay them. I've seen buyers successfully push back by simp...

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RE: Finally found something that explains foreclosure clearly

Yeah, mortgage insurance can definitely sneak up on you. I've seen plenty of people shrug it off at first, but a couple years down the line they're cr...

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RE: Feeling Stuck Paying Only Interest and Getting Nowhere

Refinancing can definitely help, but I'm curious—did you find the horror stories online exaggerated, or did they have some truth to them? I've seen a ...

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

Good advice overall, but do you find banks ever really highlight the downsides clearly enough? Seems like they're always whispering the fees and shout...

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

Yeah, a bigger down payment can definitely help, but is it always the best move? I've seen cases where people rushed into buying again after bankruptc...

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

True, but how many people really know for sure they'll move or refinance within that timeframe? I've seen plenty of clients who were "certain" they'd ...

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RE: Ever thought about using escrow accounts? Here's a scenario...

Flexibility's great, but ever worry it might give you too much room to second-guess yourself? Had a client once who backed out of a solid deal because...

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RE: Career Crossroads: Stick With Stable Gig or Jump Into Risky Dream Job?

I see your point, backup plans aren't exactly bulletproof. But isn't the real value in just having something—anything—to fall back on if things go sid...

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RE: CONFUSED ABOUT LOANS THAT DON'T FIT THE BOX

Mortgage brokers can definitely open up some doors, especially if you're dealing with a tricky income situation. But I wonder, have you had experience...

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