tim_vortex
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RE: “High DTI means automatic denial”… right?
I swear, getting a mortgage these days feels like trying to impress a robot that’s never seen a bank statement. When I applied, my DTI was juuust over...
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RE: Thinking about refinancing my VA mortgage, curious what others are doing
Yeah, I hear you. I started out thinking, “Eh, what’s a $200 appraisal?” Next thing I knew, my spreadsheet looked like a pizza receipt after a party—j...
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RE: How to Make Your Dream Home Possible in 2025
I get the logic, but honestly, if I’d waited to have a fat “mystery fund,” I’d still be renting and eating ramen. My plan: budget for the basics, then...
RE: Pre-approval vs pre-qualification: Why does it matter for home buyers?
Pre-approval felt like a weird first date for me—lots of personal questions, not sure if I wanted to commit yet. I totally get the worry about sharing...
