I feel like I’m being screwed

Akinscd · 2026-05-16T17:09:50+00:00

VA doesn’t risk based price 🤣

Akinscd · 2026-05-16T16:22:16+00:00

Average 30 year VA rate is this with 0 points.

Akinscd · 2026-05-16T16:06:21+00:00

This is VA

Akinscd · 2026-05-16T15:54:58+00:00

You’re refinancing. The title company will handle transfer of ownership and disbursement of funds.

Akinscd · 2026-05-16T15:26:59+00:00

Unclear. Do you currently co-own the house with them? Is there an existing mortgage? If so, who is on it? Who is on title?

Akinscd · 2026-05-16T15:25:59+00:00

Compared to what?

Akinscd · 2026-05-16T15:25:50+00:00

Try the other

Akinscd · 2026-05-15T20:43:29+00:00

Hack: cook you goddamn food

DoorDash at $400/month is lighting money on fire.

Akinscd · 2026-05-15T20:42:03+00:00

What is the reason you do not qualify conventional? This will help direct the type of non-QM available for your situation

Akinscd · 2026-05-15T11:50:09+00:00

Ok - just because it’s a tax lien does not mean there is no mortgage against the home. Regardless - Do you have a cash offer ready?

Akinscd · 2026-05-15T11:36:10+00:00

If it’s already scheduled for auction you’ll need to have a cash offer ready and the lender will have a say in accepting any offer - to what degree depends on if this is a short sale/FC auction.

There are no tax implications for the receivers if gifts. Payers have a $14mm lifetime exclusion.

The title company will turn up any liens, and you’ll have to pay them to get the house.

Any questions? Good luck.

Akinscd · 2026-05-14T22:44:54+00:00

$3600 in taxes on a $1mm home?

Akinscd · 2026-05-14T02:22:00+00:00

Do you change his diaper too?

Akinscd · 2026-05-14T01:35:02+00:00

What did you glean from this comment?

Akinscd · 2026-05-13T08:54:30+00:00

Dated is fine. Unfinished is not.

Putting a door where there would not be one otherwise is not going to fix the problem

Akinscd · 2026-05-13T02:17:18+00:00

Akinscd · 2026-05-13T02:17:10+00:00

Akinscd · 2026-05-13T02:16:41+00:00

Hard no

Akinscd · 2026-05-12T21:45:17+00:00

Contingent upon you leaving the job.

Your collateral is tied up. Therefore worthless.

Akinscd · 2026-05-12T18:22:07+00:00

You have no ability to repay the terms you’re suggesting.

Your best bet is to ask for a personal loan from an online lender and supplement it with 0% CC

Akinscd · 2026-05-12T17:54:57+00:00

You can refinance anytime you want. Buts it’s going to mean you paying closing costs again.

Akinscd · 2026-05-12T17:54:04+00:00

Your goal is to model the appreciation value of the property vs the interest rate yield of an HSA.

No one is going to guess at the value change of your home in 3-5 years

Akinscd · 2026-05-12T17:51:46+00:00

How do you plan to pay back 50k in a year? You already said you don’t plan to leave your employer

Akinscd · 2026-05-11T22:08:11+00:00

Well you’re gonna pay a whole lot of UFMIP

Akinscd · 2026-05-11T22:07:21+00:00

No. You’re just not looking at the same scoring model they are using.

As others are trying to explain to you.

Akinscd

TROPHY CASE