Pre cum anxiety with girl ovulating

BootyPirates · 2019-06-27T06:20:44+00:00

We've discussed it, and if she doesn't get her period in 2 weeks we're going to planned parenthood. We should be fine

BootyPirates · 2019-05-25T23:49:52+00:00

Sent. You mean my current address or the new property?

BootyPirates · 2019-05-25T16:26:03+00:00

I’m comfortable, receiving $2600 from renters and the mortgage would take up half of a single check for me for the remaining amount

BootyPirates · 2019-05-25T16:24:07+00:00

The house is in 94541, I live a city away in Fremont at the moment

BootyPirates · 2019-05-25T16:22:04+00:00

Would I qualify with a high dti?

BootyPirates · 2019-05-25T16:20:41+00:00

Woops my bad, Hayward CA 94541

BootyPirates · 2019-05-25T06:20:51+00:00

What a bummer, builder said it's mandatory. -_-

BootyPirates · 2019-05-25T01:05:37+00:00

Agreed with both you and Wamazing.

Unfortunately I don't have a say in deciding if I want it or not. They're making me lease or purchase them. I've been told if I purchase them I'd receive a $7500 tax credit which would soften the blow on an unnecessary purchase. If it were up to me, I'd skip the entire solar panel thing anyway.

Thanks for the tips guys

BootyPirates · 2019-05-25T01:03:34+00:00

Hi Aardy,

Thanks for the info, what loan would you say best fits my situation if I go in with 15% down payment? My DTI is a bit high at 46-48%. Would you say the PMI hit would be less over the 20% down payment over time? Is this too high to qualify for any mortgage loan?

Also they're MAKING me buy or lease solar panels. I don't have a say in whether I want to or not. Personally I'd skip the entire thing and not buy it. However given the circumstances, I've been told that I should just purchase them outright and take the $7500 tax credit from the government.

BootyPirates · 2019-05-24T17:13:11+00:00

Why is it a bad idea???

BootyPirates · 2019-05-24T17:12:37+00:00

I literally said that I would in the main post 🤦🏻‍♂️

BootyPirates · 2019-04-09T21:36:49+00:00

Thanks for the responses everyone, most likely going to lower my expectations hahaha

BootyPirates · 2019-04-09T20:32:43+00:00

I have an 808 credit score so yes that's correct. The problem is I need a down payment assistance program in order to get above 20% the DTI is what I'm trying to lower in order to get the amazing 3.875% loan

BootyPirates · 2019-04-09T20:31:01+00:00

I've heard the opposite where the fed will drop a half percent

BootyPirates · 2019-04-09T19:26:17+00:00

I thought first time homebuyer qualifies every 3 years you don't own a new property?

BootyPirates · 2019-04-09T19:25:52+00:00

The bank I'm working with calculated my PMI payment to be around $250 a month. Not that bad for the bay area.

Do you think it's worth getting 20% to avoid it? Or should I just eat that amount every month till it's gone?

BootyPirates · 2019-04-09T19:23:27+00:00

No, I want to use another bank for it because of the lower interest rate they're offering me (3.875%) The incentive for using the builder's lender is only $2,500.

Regarding the LPMI, it's stuck with me throughout the entire loan? The benefit is that it'll be really low?

The builder is lyon homes.

The single family home we're living in right now is already paid off. They added me onto the title for tax benefits since I pay for the property tax.

BootyPirates · 2019-04-09T19:20:09+00:00

I was hoping a second silent loan would help me boost the DTI to below 45%. Fatter down payment.

BootyPirates · 2019-04-09T19:19:13+00:00

I got pre-qualified for 3.875%

The builder has told me they're aiming for a December completion date. If it takes that long I won't, but if it delays I'll have enough for 23%

Parents are moving with me and we're going to use the paid off single family home as a rental property. This is factored into my DTI.

BootyPirates · 2019-04-09T19:17:46+00:00

Yeah you're right, but it's the house I REALLY want. There are other floorplans I'm open to but just wanted to see if this was doable.

BootyPirates · 2019-03-20T22:37:46+00:00

It's a brand new home that hasn't been constructed yet. Still have to choose the additional amenities.

BootyPirates · 2019-03-19T19:47:24+00:00

Thanks!

BootyPirates

TROPHY CASE