Mortgages discussions and local services.
william_nelson
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Topics and replies this member has contributed.
RE: How Family Home Sales Can Help You Buy Faster (Without Huge Cash)
Yeah, the paperwork is no joke. I thought buying from my aunt would be way simpler, but the bank basically wanted a play-by-play of every chat we had about the price. I get that they’re trying to avoid fraud, but it does...
RE: Which is the better deal: HELOC or home equity loan rates?
That’s exactly what worries me. I keep thinking, what if I lose my job or something big comes up? Did you run any numbers on how much extra you’d pay if rates jumped a couple percent? Just trying to figure out if the ris...
RE: Does an old bankruptcy matter more than a recent one?
I get where you’re coming from, but I’ve actually seen the opposite in my experience. When I was shopping around for a mortgage last year, a couple lenders seemed way more focused on recent stuff - like late payments or ...
RE: “High DTI means automatic denial”… right?
Yeah, I’ve noticed that too. It’s almost like rolling dice sometimes - one lender shrugs off a high DTI if your credit’s shiny, another acts like you’re asking for a miracle. I’ve had friends get approved with numbers I ...
RE: Getting Results When Your Loan Servicer Drops the Ball
I get the logic, but man, those fees add up fast if you’re sending stuff often. Has anyone tried using email with read receipts or even faxing? I’ve heard mixed things about whether servicers actually accept those as pro...
RE: Imagining a landlord juggling DSCR loans and rent chaos
Imagining a landlord juggling DSCR loans and rent chaos Three months feels like the bare minimum, but I get nervous with just that. I’ve had a water heater and HVAC go out in the same month - wiped out half my reserves ...
RE: Mortgage Refinance Dallas Texas | Save More with Local Experts
I get what you’re saying, but I’ve actually had the opposite happen with some of the bigger banks in Dallas. Even after asking for documentation, they just repeated the same vague explanations about “standard fees.” Mayb...
RE: Did you know housing counselors can help with credit issues too?
Honestly, I'm not totally sold on housing counselors being the magic fix. You mentioned, I’ve tried working with one before, and it felt like a lot of generic advice - stuff I could’ve found online. Maybe it depends on ...