tobyc97
tobyc97
@tobyc97
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Topics: 0 / Replies: 7
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RE: Does a VA loan require an inspection? What are the VA loan inspection requirements for buyers and spouses?

That’s the part that always gets me. When I bought my place with a VA loan, the appraiser flagged a cracked window pane as a “health hazard.” Never mi...

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RE: Which is the better deal: HELOC or home equity loan rates?

I’ve seen that play out too—folks get lured in by the low intro rates on a HELOC, thinking they’ll just pay it off before rates jump. But life happens...

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RE: How Mortgage Loans for Seniors Work at Every Age

I had a client last year—mid-70s, sharp as a tack—who joked that the only thing more complicated than her mortgage paperwork was her old VCR manual. S...

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RE: Donald Trump on H1-B Visa Crackdown: What We’re Seeing from Borrowers

Title: Donald Trump on H1-B Visa Crackdown: What We’re Seeing from Borrowers Honestly, the paranoia around H1-Bs has gotten a bit out of hand lately....

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RE: Feeling relieved after my rate adjustment—anyone else surprised by their loan limits?

Honestly, I’ve seen people take the full loan amount and regret it later. The formulas don’t care if you’re into craft beer or have a dog with expensi...

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RE: Does having a top-notch credit score really make home buying easier?

Honestly, I’ve seen this play out with a lot of clients—and in my own life too. The credit score is like your ticket to get in the door, but it’s not ...

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RE: Home equity loans and taxes—did you know this?

Yeah, it’s wild how much paperwork you’re expected to keep track of. I’ve had clients bring me literal shoeboxes of receipts, and half the time nobody...

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