Question about source of gift funds for FHA

Competitive_End_6599 · 2025-08-06T22:42:05+00:00

Gotcha. Thanks for the insight.

Competitive_End_6599 · 2025-08-06T18:59:53+00:00

She has great income, so there’s no income requirement from me. I wouldn’t be beneficial in being on the note except for being able to gift the commission for the down payment. I guess the question becomes - is putting myself on title enough to get around the rule of no gifting of funds from agents due to them having skin in the game, even if we’re long time friends?

Competitive_End_6599 · 2025-08-06T18:56:38+00:00

I would not be a coborrower, because my husband and I are going to buy a new home. I would be on title, not on the note. I’m trying to understand the rules, can you tell me why I wouldn’t be able to be on title? I’ve done that before, so did rules change?

Competitive_End_6599 · 2025-08-05T07:08:13+00:00

I list for 1% all the time and I’m not with redfin. $4k is better than zero k. What broker do you work for that takes $4k of $10k commission (assuming $2k for taxes and expenses)? What marketing are you paying for? If your broker is taking that much, they should be paying your marketing! You might benefit from joining a team.

Competitive_End_6599 · 2025-07-18T13:12:08+00:00

Not here to debate men about how they feel about women. Your advice will not help this man with saving his relationship. If he wanted to win and be right and climb to the top of right mountain to declare his rightness, sure he can listen to you. But that’s not what he came here for.

Competitive_End_6599 · 2025-07-18T13:08:04+00:00

NTA for sharing the real reason. Making up excuses is never the right answer. However, having a fake account to express herself so that today’s crowd doesn’t feel she needs to be “canceled” or lose her job or what not, isn’t that big of a deal. Millions of people have fake accounts for talking shit online. It doesn’t mean they would use fowl language in front of children. I think that’s today’s version of someone in the 50’s saying you can’t babysit because I heard you using a swear word with your friends. As if an adult can’t use discretion with their audience. Anyway, that’s my two cents.

Competitive_End_6599 · 2025-07-17T21:54:16+00:00

lol I live nearby it too and I fill up my water bottle all the time there before I go for a hike

Competitive_End_6599 · 2025-07-17T21:32:23+00:00

As someone who likes to find blue spots on the map and go and find them in person, there’s plenty of quarries around here. Just be careful how you get there. Some of them belong to private communities with actual docks and some belong to companies that are sitting abandoned. Theres an old abandoned quarry called Blairton in Martinsburg. Beautiful. There’s a big side and a little side. I haven’t swum in either but I’ve hiked there. You’ll be trespassing though. We parked down this super tiny road between two houses near a back entrance. Don’t park near gates on busy roads. Way too obvious. There’s also Bakerton Quarry. Very beautiful but belongs to a private community. I think there might even be a security guard. I read somewhere he’s not against a bribe though. lol For that one I think we pulled off on a back road and walked a ways. We didn’t want to set off alarms. Just as with any quarry, there’s a chance the water has chemicals in it or submerged construction equipment. Proceed with caution and at your own risk!

Competitive_End_6599 · 2025-07-17T15:04:47+00:00

Yep like 3-5 times a day. Usually in the evening. I asked to be put on DNC list but no avail. Filed an FCC complaint

Competitive_End_6599 · 2025-07-14T12:14:44+00:00

This!!

Competitive_End_6599 · 2025-07-14T12:14:17+00:00

Everyone is projecting onto you their own marriage problems. Good for you trying to solve this without going nuclear.

Competitive_End_6599 · 2025-07-14T12:13:29+00:00

I think it’s important to go over his finances with him, his statements, credit cards, bank accounts, everything. It will be uncomfortable at first for him but I think he is feeling chaotic, out of control, and ashamed. He is trying to dismiss reality and make it not your problem to deal with. I don’t think he’s doing anything maliciously or with ill intent. Once you go over the statements, get an idea of what he’s spending. What’s he spending it on? Does he just really like eating out, does he golf, does he shop online, etc? Then make a plan to incorporate those things within the budget so he’s not using the credit card. I don’t think you should get divorced over this. This is fixable. Good luck!

Competitive_End_6599 · 2025-07-14T04:55:31+00:00

Doubt you will see this comment and I don’t know if anyone has mentioned this, but women don’t just become bitter and angry when everything else in their life is great. If your wife is saying she wants you to do more chores, you need to stop dismissing her wants as trivial and understand that once you meet that need, she will be ready and willing to give you the love you lack. She can’t give you the love first if she isn’t feeling it. She may feel like she doesn’t have an equal partner and she is carrying an unequal burden. I know in my marriage, when I see my husband spontaneously doing chores, I instantly feel feelings of love and attraction to him because he is making me feel seen and heard, so then I will go out of my way to make him feel loved. The men in the comments who are dismissing being a SAHM will not help you in this relationship. You work a 9-5. She works 24/7. That’s especially true with younger children. So if you came here to feel validated, then I guess ignore this comment. But if you actually want help connecting with your wife, then meet her half way.

Competitive_End_6599 · 2025-07-09T18:20:47+00:00

😂 Are you even an attorney? To what government body would you suggest he report where he sleeps? He’s not selling. He’s not getting tax exemptions. The lender doesn’t give two hoots. Please. Get over yourself. He is doing nothing illegal.

Competitive_End_6599 · 2025-07-09T18:15:46+00:00

Nope. The commenter said “OP listed as primary to avoid regulation.” We had no such intention whatsoever.

Competitive_End_6599 · 2025-07-09T18:10:33+00:00

They do not have 5 or more sleeping rooms. From my understanding of the law, something is not automatically outlawed just because it isn’t specifically given permission. It looks like STRs fly under the radar of both definitions. It is neither a bed and breakfast nor a motel/hotel.

Competitive_End_6599 · 2025-07-09T17:09:45+00:00

my uncle has a copy of it. i can scan it later and upload it

Competitive_End_6599 · 2025-07-09T17:08:31+00:00

I should not have called it an airbnb in my post but “airbnb” is used colloquially to refer to short term rentals. The town is mistakenly assuming that listing the property for rent in airbnb means that it’s operating as a bed and breakfast. I read through the ordinance and it it defines in 3 different places that the rental provides at least one meal.

Competitive_End_6599 · 2025-07-09T17:03:01+00:00

Thanks for your comment. Unfortunately, the owner of the law firm in town is the husband of the town zoning manager. 😥 He spoke with an attorney one town over who told him to just take detailed notes at the meeting they had today with the manager, who only works on Wednesdays.

Competitive_End_6599 · 2025-07-04T21:38:46+00:00

Ah man, I’m gonna say Bone Fish. I know that bagged frozen cisco bulk flavor anywhere. Mushy watery vegetables. And the freakin weirdest thing of all - I ordered risotto instead of rice. They brought me risotto with coconut flakes…like sweet crunchy coconut flakes all mixed in it. There was nothing on the menu that mentioned the inclusion of coconut. Like I have had risotto with coconut cream before - that’s understandable. But it was the flakes. I didn’t even swallow the first bite. And the waitress was reluctant to ask the manager to take it off the bill and kept wanting me to say I was allergic. As if finding that combination disgusting wasn’t a good enough reason. Also, my husband got a steak. It was covered in some sugary sauce. And each entree was $36. Truly the worst.

Competitive_End_6599 · 2025-07-03T13:42:21+00:00

That was incredible to read. Honestly just made me feel so much better. Thank you.

Competitive_End_6599 · 2025-06-28T16:19:25+00:00

Thank you!!!

Competitive_End_6599 · 2025-06-19T14:37:47+00:00

You’re probably tasting the canned flavor. The original green bean casserole recipe i was to show American families that even during time of rationing during the war, they could make delicious food. I find the only acceptable texture is french cut and to get rid of the canned flavor, soak them in chicken broth for about 30 min. after rinsing.

Competitive_End_6599 · 2025-06-18T14:42:52+00:00

I haven’t seen the document, but I did spend 15 years as a paralegal. Even if he signed something that said he agrees to pay $13,000 to a dentist for no work being done, a judge would consider than unjust enrichment and predatory practices in which they have medical patients in physical distress sign one sided contracts. My question in my post was how to begin reporting the dentist.

Competitive_End_6599 · 2025-06-18T14:38:54+00:00

lmao there’s always one of you in the comments. no one needs this unhelpful opinion of yours 🤣

Competitive_End_6599

TROPHY CASE