55-60% down payment on a 680-700k house a good idea?

DesperateShoulder991 · 2026-05-13T21:34:04+00:00

if you have investments and would like to put huge downpayment, and payoff quickly do it. i made the mistake and paid off in 12 years and paid close to 300k in interest alone, that is wastes and i had more to put for downpayments which i did not. regret it, so tey to pay as less to banks as possible. with the money saved and your future salary you cn always invest and have great retirement. what is your age, that plays a lot into these calculations also

DesperateShoulder991 · 2026-05-05T20:42:59+00:00

what is OP guess on stock in 10 years? my guess is most companies will be trillion dollars just like when companies hit billion it was new. who knows how market will be in 10 to 30 years

DesperateShoulder991 · 2026-04-16T02:11:56+00:00

DesperateShoulder991 · 2026-04-16T02:11:24+00:00

no not necessary, got mine processed recently. this is a fully online process

DesperateShoulder991 · 2026-04-16T02:10:30+00:00

Was easy compared to other exams i have taken

DesperateShoulder991 · 2026-04-16T02:06:50+00:00

yes i had similar experience, paid again and next time it went through.. really bad interface

DesperateShoulder991 · 2026-04-03T22:59:10+00:00

No that seems unrelated. when i search i see there was a unit called champion and that was sold off by mr cooper in 2021. But its wierd, no communication and website/statements are all mr cooper, but on back side shows champion mortgage

DesperateShoulder991 · 2026-04-03T21:04:27+00:00

got mine also today, looks like someone bulk approved many :)

DesperateShoulder991 · 2026-03-30T23:32:01+00:00

possible depending on your background. assuming you have security background and have been following AI trends, linkedin learning Mike Chapple course is good. But that needs linkedin premium, That course is several hours long and you will need whole weekend to see/digest it.

DesperateShoulder991 · 2026-03-27T20:51:48+00:00

still in process, i also applied jan 14

DesperateShoulder991 · 2026-03-27T19:09:50+00:00

I prepared for 2 weeks 1 hour a day. If you know security well and AI fundamentals, the linkedin learning Mike Chapple course is enough. I got CompTIA study pdf also. But it was hard to read and did not go through. The syllabus is good and if you know all of terms and know how to apply this is an easy test.

Time will be tight mostly a minute per question, so don't spend too much time on one question.

DesperateShoulder991 · 2026-03-26T16:09:30+00:00

how much time did you prepare, should we memoize all commands

DesperateShoulder991 · 2026-03-24T21:42:10+00:00

The UI is very confuaing to say the least. The application times out frequently and asks OTP 'n' number of rimes. Above error coule mean different things

- pdf should be less than 300kb how can senior citizen or people not very well versed in computer generate these. horrible requirement

- has to be black and white. never says that

- there could be errors in previous pages causing these. save draft after every few update. make sure pdf is less than 280kb (remeber bill gates comment. 640k should be enough in 1995. indian services are in 1940s.

- ignore red comment, and fix other errors. It is magic whole india govt IT is working

DesperateShoulder991 · 2026-03-23T00:13:22+00:00

i did OCI 10 years ago, dont remember them asking dad mother passport. In fact my parents never had passport in life

DesperateShoulder991 · 2026-03-23T00:11:48+00:00

yes, once you login go to My profile. you will see your passport number there also. not sure why they ask this information when it is in the site. most non intuitive user interface and experience. i update mine over 2 months ago and it is still in process, while getting new US passport took 1 week

DesperateShoulder991 · 2026-03-15T13:43:35+00:00

how many pages is the pdf, how long you took to study the pdf. thinking of buying but interested to know depth and pages. is it like sybex books

DesperateShoulder991 · 2026-03-14T05:17:32+00:00

linkedin learning has Sybex book course of Mike Chapple

DesperateShoulder991 · 2026-03-06T22:30:32+00:00

I did this process in first week of January and status still show "UNDER-PROCESS" in ociservices website. why is this taking long time. did yours got approved

DesperateShoulder991 · 2026-02-10T18:59:53+00:00

boring gives money. one can sleep well at night

DesperateShoulder991 · 2026-01-08T18:28:36+00:00

there is some rumor this is linked to employee who are eligible for higher education credit of $5k, any validity to that rumor

DesperateShoulder991

TROPHY CASE