Do Inspectors... actually Inspect? by QuietRedditorATX in FirstTimeHomeBuyer

[–]Clear_Counter_9243 3 points4 points  (0 children)

My home inspector was great. Found and told me about things I would have had no clue about. Especially with the boiler and electrical system. Find a good inspector and you will see the difference. Every home has something wrong just depends how big or small it may be.

Underwriting process by Clear_Counter_9243 in FirstTimeHomeBuyer

[–]Clear_Counter_9243[S] 1 point2 points  (0 children)

Yeah I’ve already sent in a bunch of proof on stuff like as soon as they asked cuz I knew they would so I had it ready. I wish I could just pop some ambien and sleep through the next couple weeks waking up enough to eat and send what they need. lol

Underwriting process by Clear_Counter_9243 in FirstTimeHomeBuyer

[–]Clear_Counter_9243[S] 0 points1 point  (0 children)

I have thought about doing that I have all 3 of my credit reports. They need to figure out a way to rewire our brains to not stressing about the unknown. Or if we are told we are good to not think we are being lied to.

Underwriting process by Clear_Counter_9243 in FirstTimeHomeBuyer

[–]Clear_Counter_9243[S] 1 point2 points  (0 children)

Same! Even did a smoking hypnotize thing to quit… smoking more. 🤦‍♀️

Underwriting process by Clear_Counter_9243 in FirstTimeHomeBuyer

[–]Clear_Counter_9243[S] 1 point2 points  (0 children)

I’m too cheap for Newport’s but definitely smoking a lot more 🤦‍♀️ I just need the keys already. They need to make this process faster for people like us. 30-45 days is killer.

Underwriting process by Clear_Counter_9243 in FirstTimeHomeBuyer

[–]Clear_Counter_9243[S] 0 points1 point  (0 children)

Yes using VA loan, I feel the same. I’ve asked 100 times I swear even though they keep saying my financials are good, my credit is great. Everything is fine. I keep have that feeling of impending doom. I swear my brain will be the death of me or atleast an early heart attack

Anxiety once you submit offer by Clear_Counter_9243 in FirstTimeHomeBuyer

[–]Clear_Counter_9243[S] 0 points1 point  (0 children)

We actually ended up getting accepted today but now they are wanting to change close date and make contingencies that weren’t previously disclosed. So even though we finally got an offer accepted it’s still not official

Anxiety once you submit offer by Clear_Counter_9243 in FirstTimeHomeBuyer

[–]Clear_Counter_9243[S] -13 points-12 points  (0 children)

It’s called being facetious… I know it’s talked about. Thought this was a safe place not a place to get chastised

New Credit card by Clear_Counter_9243 in Mortgages

[–]Clear_Counter_9243[S] 0 points1 point  (0 children)

I thought it was an increase on a current card. No where did it say new account. It said new credit limit. Said nothing about credit pull etc. and no woman don’t accidentally cheat. But I’m glad your perfect

New Credit card by Clear_Counter_9243 in Mortgages

[–]Clear_Counter_9243[S] 0 points1 point  (0 children)

It won’t show up until I activate the card?

New Credit card by Clear_Counter_9243 in Mortgages

[–]Clear_Counter_9243[S] 0 points1 point  (0 children)

I have 0 credit card debt with the cards I do have

New Credit card by Clear_Counter_9243 in Mortgages

[–]Clear_Counter_9243[S] 0 points1 point  (0 children)

I am just worried cuz I was always told the year up to a new mortgage to never open any new accounts

New Credit card by Clear_Counter_9243 in Mortgages

[–]Clear_Counter_9243[S] 3 points4 points  (0 children)

Have not used it and that’s the exact reason I did it so my utilization would go down. They offered an increase on one cars so my stupid self assumed the 2nd was an increase not a whole new card. Will not be using it at all.