shadows62
@shadows62
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Topics: 0 / Replies: 15
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RE: Confused about which home mortgage loan fits your situation?

I get where you’re coming from—honestly, the thought of my mortgage payment suddenly ballooning gives me hives, too. But I’ll admit, I’ve been tempted...

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RE: Physicians are missing out on major tax savings with the wrong mortgage

Yeah, the “no PMI” thing always sounds like a magic trick until you realize the rabbit is just higher interest hiding in the hat. I did the math when ...

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RE: How Do You Shop Around For Home Insurance—Or Do You Just Stick With The Same Company?

$300 in an hour? That’s like, the best hourly rate I’ve ever made—maybe I should start a side hustle as an insurance negotiator. I tried shopping arou...

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RE: Escrow accounts—better through banks or independent services?

Had a similar thing happen—my bank acted like my escrow was some kind of top-secret file they had to dig out of a vault. Meanwhile, my cousin’s indie ...

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

I get where you’re coming from, but man, sometimes those inspections just feel like another way to drain your wallet. I mean, the VA appraisal does at...

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RE: Thinking About Refinancing? Rate & Term Refi Might Save You More Than You Think (Plus a 10-Day Closing Option)

I mean, I’d take a couch-cushion scavenger hunt over the “where did I file my W-2 from 2019” panic attack any day. I hear you though, it’s not *that* ...

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RE: When a fixed rate just won’t cut it: a mortgage adventure

Man, the “flexible” thing gets me every time. I swear, one lender’s “flexible” is another’s “gotcha fee.” I had a redraw facility once where they char...

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

Man, I swear those “miscellaneous” fees are like gremlins—multiply when you’re not looking. I remember thinking I’d nailed my budget, then suddenly th...

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RE: Why Is Getting a Mortgage So Hard When You're Self-Employed?

Man, this hits home. I swear, my tax guy and my mortgage broker must think I’m running two different businesses. I try to write off everything I can—b...

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RE: Home Buying 101: Stuff I Wish I'd Known Beforehand

Man, the “urban forestry management” one got me too. I remember thinking, “Wait, am I paying for the squirrels’ rent now?” It’s wild how these fees ju...

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RE: Found a sneaky way to lower those pesky interest rates

Haha, I feel this! I tried the same trick once and felt like a kid caught sneaking cookies—awkward and totally busted. 😅 Got maybe a quarter p...

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

Yeah, thermal imaging can be hit or miss. My inspector had one too, looked like something straight outta Ghostbusters, but it didn't catch the fact th...

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RE: My experience getting monthly income from home equity

Haha, this hits home. I once spent an entire weekend stressing over a $200 overdraft fee—meanwhile, my brother casually refinanced his house and bough...

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RE: Mortgage rules just got tighter—didn't see that coming

Haha, totally feel you on this. When I bought my condo last year, they practically wanted a DNA sample for a tiny side hustle deposit that popped up i...

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RE: Buying Property Without a Mortgage—Would You Do It?

Yeah, that sounds pretty stressful tbh... I'd be nervous about the seller changing their mind or something unexpected popping up. My friend did someth...

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