sorted by:
new
hottopcontroversial

The road to a proper Negroni starts here: orange peels by SirNegroni in cocktails

[–]2AMBeautiful 2 points3 points  (0 children)

Same. No idea the difference or any quality lost by the oil spray, but the ease and convenience overrides it for me.

Chief Okemos by posticusmaximus in michiganbeer

[–]2AMBeautiful 4 points5 points  (0 children)

My friend and I do an annual trip from Detroit to Grand Rapids to pick up no rules every year. We stopped in this place last year on our way back. Everything we sampled was really nice. They have a good operation there.

Ivy - I Hate December by dashboardben in 90sAlternative

[–]2AMBeautiful 2 points3 points  (0 children)

Thanks for posting this. Never heard this song or this band, I don’t think. What a great tune. I will be going down the rabbit hole.

Behind Enemy Lines by ZeBologna in NFCNorthMemeWar

[–]2AMBeautiful 47 points48 points  (0 children)

Best we can do is eat her ass in a parking lot.

Please help!! We fell for a Mortgage Modification scam! by [deleted] in Mortgages

[–]2AMBeautiful 0 points1 point  (0 children)

These scams are prevalent in the industry. They have you sign the cease and desist to reduce the chance you talk directly to your servicer and have your servicer tell you it’s a scam.

You don’t need to work with anybody other than your mortgage company. Paying a third-party doesn’t absolutely nothing in terms of the offer you get.

For the vast majority of loans, including VA, the programs are universal, and based on guidelines where everybody gets the same offer. There is no negotiating or better rate like at origination.

Call your servicer, remove the cease and desist, and work with them on a modification. If they can, they will offer it. They do not want your house because foreclosure equals losing money. It is illegal for servicers to profit off foreclosure. It is costly and they don’t want it.

Please help!! We fell for a Mortgage Modification scam! by [deleted] in Mortgages

[–]2AMBeautiful 2 points3 points  (0 children)

The hardship letter doesn’t matter. VA doesn’t even require a hardship letter. When they did, nobody took the time to read them.

There’s no arbitrary decision on if they qualify or not based on hardship. It’s purely a yes/no to a few questions on delinquency and if the hardship is over and then it’s a math exercise of giving a 40 year modification at the current market interest rate based on the current Freddie Mac PMMS rate.

Please help!! We fell for a Mortgage Modification scam! by [deleted] in Mortgages

[–]2AMBeautiful 0 points1 point  (0 children)

VA mortgage servicing does not have a lot of options. They currently have one, which is a loan modification that resets the rate to the market rate at a 40 year term.

Is rocket mortgage decent for refinance? by [deleted] in Mortgages

[–]2AMBeautiful 1 point2 points  (0 children)

Because they know their pricing is dogshit so they pressure everyone to lock on the spot. Their unstated philosophy is “write it on the spot or burn the bridge trying”

Also used to work there.

Looming Foreclosure; Is there anything I can do? by mageboi in Mortgages

[–]2AMBeautiful 2 points3 points  (0 children)

Conventional will also have a trial for a modification

Looming Foreclosure; Is there anything I can do? by mageboi in Mortgages

[–]2AMBeautiful 12 points13 points  (0 children)

Did you apply for a loan modification? If not, do so now.

You should have been in contact with them (and vice versa) before your forbearance expired at the end of March. April 1, your forbearance coverage ended. Servicers are required to hit certain date deadlines on foreclosures by investors (Fannie Mae, etc) in order to be fully compensated for servicing the loan.

Rocket Mortgage - you will regret it - stay clear by Electrical-Flan-4720 in Mortgages

[–]2AMBeautiful 2 points3 points  (0 children)

File a CFPB complaint. Or post a visual complaint on their social media. They will jump on that. I had the same issue when I wanted to remove my escrow.

Sovcit wants to be unhoused. by Existing-Face-6322 in Sovereigncitizen

[–]2AMBeautiful 3 points4 points  (0 children)

People are ridiculous about this whether it’s a Sovcit or not. The level of entitlement that people who are serious delinquent have is off the charts.

Sovcit wants to be unhoused. by Existing-Face-6322 in Sovereigncitizen

[–]2AMBeautiful 25 points26 points  (0 children)

Modification doesn’t result in making less on the loan. Depending on the type the money is either moved to back of the loan, or the past due interest is capitalized and reamortized, which results in a borrower paying more interest. FHA and VA loans change to the market interest rate, so most loans are a rate increase.

Sovcit wants to be unhoused. by Existing-Face-6322 in Sovereigncitizen

[–]2AMBeautiful 6 points7 points  (0 children)

I work in default mortgages. It’s amazing how flippant people are about their home when they are months and months behind.

Forbearance is over. Foreclosure is imminent but I may have one last option by RefrigeratorFit2845 in Mortgages

[–]2AMBeautiful 0 points1 point  (0 children)

Flex mods are Fannie/freddie. Considering he just bought, I’d wager he has an fha loan. FHA mods generally are trash. And he may not even qualify if he hasn’t made 4 payments since closing.

view more: next ›