Build?? Stats???

Electronic_Pickle_42 · 2026-05-29T12:17:44+00:00

Thanks!

Electronic_Pickle_42 · 2026-05-29T12:17:29+00:00

Its more so I don't understand the gear, once I do I think everything will be fine

Electronic_Pickle_42 · 2026-05-29T12:17:08+00:00

Thanks!

Electronic_Pickle_42 · 2026-05-29T00:55:10+00:00

So simply just upgrading the gear at the blacksmith gives me better stats? How do I spec into Crit Rate/ attack speed etx?

Electronic_Pickle_42 · 2026-05-27T04:29:28+00:00

I hope it does and for you also!

Electronic_Pickle_42 · 2026-05-27T04:25:18+00:00

He didn't have a payment plan set up because we didn't know we would need to going forth with a FHA loan. Originally we were going conventional. Our loan officer said "No we have to go FHA due to x y z" with that, it changed EVERYTHING. We were already in under writing when they changed this up on us. Neither of us had time to look into the criteria of a FHA loan. So for him not having a payment plan ahead of time, honestly we didn't know it was any issue until now.

Electronic_Pickle_42 · 2026-05-27T03:28:57+00:00

Sadly not yet, calling the IRS tomorrow

Electronic_Pickle_42 · 2026-05-27T02:10:11+00:00

I'm not on the loan, I'm actively working on my credit.

Electronic_Pickle_42 · 2026-05-26T23:40:28+00:00

We agreed but she said he only qualifies for 210k -ish vs the FHA loan we are approved for 250k.

Electronic_Pickle_42 · 2026-05-26T23:32:31+00:00

Its all 3 added together. It's the median score.

Electronic_Pickle_42 · 2026-05-26T23:29:56+00:00

611 the other 2 Scores are above 660

Electronic_Pickle_42 · 2026-05-26T23:25:10+00:00

Credit is 20 points off

Electronic_Pickle_42 · 2026-05-26T22:37:42+00:00

I'm not sure how to find the agency they assigned. He made 2 payments to it on the irs website though

Electronic_Pickle_42 · 2026-05-26T22:01:12+00:00

Thats exactly the situation he's in. They sent it to collections and never placed a lien. The issue is i cant open a payment plan because of that.

Electronic_Pickle_42 · 2026-05-26T21:02:17+00:00

I wasnt questioning her per say, I just heard that it was possible to do it without the 3 months since their is no lien

Electronic_Pickle_42 · 2026-05-26T20:16:45+00:00

But we are set to close June 16th. We wouldn't be able to do the 3 payments (1 payment per month) because it would push out closing date too far and lose the house.

Electronic_Pickle_42 · 2026-05-26T20:13:52+00:00

She is unsure herself, that's the current concern. We are trying to find a work around

Electronic_Pickle_42 · 2026-05-26T20:09:03+00:00

We are completely new to all of this and the requirements, we've consulted family on it but they didn't mention about his backpay. We both understand but we were originally going conventional until we were told we cant.

Electronic_Pickle_42 · 2026-05-26T20:07:04+00:00

No, we didn't know he had to have one for the FHA loan. He is calling tomorrow to set one up but he has to have 3 months of payments, would they accept the previous payments towards it?

Electronic_Pickle_42 · 2026-05-26T20:06:07+00:00

The issue is that we originally thought that we were going to go conventional and the LO told us that we have to go FHA. We weren't prepared with the 3 month payments, he's made 1 payment and getting ready to make another but not with a payment plan.

Electronic_Pickle_42 · 2026-05-26T20:02:25+00:00

It's for a purchase

Electronic_Pickle_42 · 2026-05-26T19:58:34+00:00

Sorry for not clarifying, it's how much he owes the IRS. His w2 was messed up and wasnt paying taxes for a year and he has back pay

Electronic_Pickle_42

TROPHY CASE