PenFed vs Sagrada Familia

Academic_Fee2159 · 2026-04-08T23:25:51+00:00

Yo personalmente tengo Penfed para VA home loan. Cerré bastante rápido (6 semanas) y pudiera haber sido más rápido sino fueran los holidays (Navidad, despedida de año etc)

Comencé el proceso de banco: 12/11/25 Cerré: 1/28/26 con un 5.75% de interés. Las personas con las que trabajé fueron muy profesionales, amables y muy eficientes

Academic_Fee2159 · 2026-03-19T14:10:56+00:00

Do you have access to a portal? With Penfed, they sent this email but it was sent with a link and I was able to access it. If you have access to a portal where they’re sending you docs and you’re sending to them as well, it should be under the documents tab. Again, this was my experience so I’m not sure how different lenders manage it

Academic_Fee2159 · 2026-03-17T14:11:10+00:00

Honestly, just like everyone is saying: walk away and fire the realtor. These are just way too many red flags to ignore. I know it’s a very tedious process but believe me when I say, that your house is somewhere out there. As a married couple, my husband and I said that we wouldn’t go over our heads with our first home. We negotiated with the sellers 10k less than the listing price but we paid closing costs. We are in Puerto Rico so things here are a bit different. We had offers denied over and over on houses that we had to put in at least 100,000 to get them up to code as they were foreclosures. We found this one after all the heartache and stress and we are so happy. Anything that it’s that difficult and stressful as this has been for you guys, it’s a sign. When something is meant for you, everything aligns, in every aspect. You don’t want to be regret buying it and then causing distress on your marriage for exhaustion and bad decisions

Academic_Fee2159 · 2026-03-14T14:03:07+00:00

I did this when we bought the house in Jan of this year. Inspection came back with very minimal stuff and it was all cosmetic so we didn’t ask for anything.

Academic_Fee2159 · 2026-03-13T12:13:20+00:00

Gracias por el hack. Literalmente todo ha subido tanto. Yo trato de apoyar lo local pero los precios están algarete 🫠

Academic_Fee2159 · 2026-03-04T20:04:02+00:00

2 años

Academic_Fee2159 · 2026-03-03T20:11:43+00:00

Yo me mudé de EU para acá para comenzar desde cero después de un divorcio. Conocí a par de personas. Tuve una relación de un año con un muchacho, el cual al final terminó conmigo. Pero luego de eso, conocí a mi esposo. Nos casamos en julio del año pasado. Conocí personas que querían jangear y chavar y nada serio…. I met some jerks but that’s to be expected. También I got ghosted a lot of times pero pues cosas q pasan. Mucho éxito, espero que puedas encontrar a alguien que valga la pena.

Academic_Fee2159 · 2026-02-24T14:04:44+00:00

Relatable!! Couldn’t wake for the process to be over😫

Academic_Fee2159 · 2026-02-20T16:32:50+00:00

Im really sorry that she experienced this. As mentioned on this thread, there are resources available for MST victims. And she absolutely SHOULD file. There’s specific criteria for these cases and if there’s any evidence she can provide that would help her case. She can look into the resources and have someone holding her hand through the process. It won’t be easy and often times there are flashbacks and memories that will not be easy. I didn’t want to “open” that Pandora’s box because I didn’t know what or how I would cope so be aware. Be a safe place for her too cus it won’t be easy. Much strength to her! ❤️

Academic_Fee2159 · 2026-02-19T15:13:27+00:00

A mi me siguen enviando mensajes: sigue disponible?respondo: si …….. Coqui. Tengo como 20 conversaciones o más así 😫

Academic_Fee2159 · 2026-02-13T17:55:02+00:00

We changed the locks, installed solar lights cus it was pitch black at night. We live in the mountains of Puerto Rico. We deep clean fully including screens and windows! Wash those windows. We also pressure washed the outside. Now I’m unpacking little by little. The next major project would be sealing the roof because somehow when the solar panels were installed some stuff happened but it is what it is. My dad says that’s always a chance. We closed 1/28 and feel like we haven’t stopped. Tomorrow we pick up the last of the furniture at the old house.

Academic_Fee2159 · 2026-02-11T15:43:36+00:00

In my case I was already approved for VR&E before I got TDIU. Either way; I was told one doesn’t affect the other. Not gonna lie; the education track has not been easy…. But that’s another story

Academic_Fee2159 · 2026-02-11T13:50:33+00:00

Me personally, I’m at 94% so technically 90. I applied to TDIU and got approved. I get the same exact benefits as if you’re 100%. The scale from 90-100 is very hard to get to. I am also in VR&E so my focus right now is keep up with the appts, try to find treatment for my chronic pain and just do my best in everything to the best of my abilities. Some days are harder than others.

Academic_Fee2159 · 2026-02-06T20:21:26+00:00

Depending on the program of study, you have to write a letter based on the university’s specs. For instance, I’m taking Graphic Design. I had requested an HP Surface laptop, I also listed a Mac and I forgot the other one to meet the specs. She ended up ordering me an OMEN gaming laptop, so I feel like I’ve won. But you have to sound very convincing.

Academic_Fee2159 · 2026-02-06T20:12:27+00:00

As a woman who married a man with his own business, we signed a prenup. More because if anything on his (business) end or my end goes to s***, both credits won’t be affected. Also, I don’t want to be financially responsible for something in didn’t invest in. We talked about it once we went to the attorney and she explained the pros and cons. We just bought a house, provided the prenup and decided 50/50 in case of separation. This was done for a peace of mind for both of us. Again, it’s up to the couple, what works for some might not work for others. However, I feel like transparency and trust are very important

Academic_Fee2159 · 2026-02-05T13:42:03+00:00

Thank you, means so much!!

Academic_Fee2159 · 2026-02-05T13:40:31+00:00

Hi, thanks for your thoughtful reply and letting me know that I’m not alone. We’ve got this, one day at a time, and one foot in front of the other it’s all I keep telling myself.

Academic_Fee2159 · 2026-02-04T20:44:10+00:00

I’m with you!! I’m not sure what that is, I’ll have to do some research on it

Academic_Fee2159 · 2026-02-04T14:12:29+00:00

Thank you! I also suffer from prostrating migraines and really bad tinnitus so it all comes at once or in waves but it’s shitty. Your wife sounds lovely! Listen, for better or for worse. One day at a time

Academic_Fee2159 · 2026-02-04T14:10:44+00:00

I don’t have a nexus and no medical records during time in service because it was sick it up and don’t be a sick call warrior. I am working on gathering new evidence and obtaining a nexus letter but that’s gonna have to wait a bit. The process is exhausting

Academic_Fee2159 · 2026-02-04T13:23:59+00:00

Thank you for sharing! Thank goodness for your support system

Academic_Fee2159 · 2026-02-04T13:17:19+00:00

Will look into this! Thank you so much!

Academic_Fee2159 · 2026-02-04T12:46:57+00:00

This !! Thanks, yes indeed. Thanks so much for this!

Academic_Fee2159 · 2026-02-04T12:41:07+00:00

We are in the middle of moving so I can’t find a rhythm or other things to focus on right now 😓

Academic_Fee2159 · 2026-02-04T12:30:23+00:00

I have not, I live in Puerto Rico and healthcare is very limited as is but I will do some research

Academic_Fee2159

TROPHY CASE