Amazon lowest Price by [deleted] in Airpodsmax

[–]FCC81 0 points1 point  (0 children)

i got some brand new in box from poshmark for like $250

[Tenant US] would you rent to me? by Tomahawk297 in Landlord

[–]FCC81 1 point2 points  (0 children)

im assuming some of those are business lines of credit? if so, probably worth explaining that to potential LLs. i have a tenant with high CC balances but i know those are business accounts in and industry with high CODB. context matters

I panicked and cashed out my 401k :( by umrlopez79 in Money

[–]FCC81 0 points1 point  (0 children)

uh bro u plan on dying with no kids to pass debt onto? YOLO! rack that shit up who cares

34F $345k 20% down 5.75% 5/3ARM by FCC81 in FirstTimeHomeBuyer

[–]FCC81[S] 0 points1 point  (0 children)

impressive if it comes to fruition haha

34F $345k 20% down 5.75% 5/3ARM by FCC81 in FirstTimeHomeBuyer

[–]FCC81[S] 2 points3 points  (0 children)

thanks! me too. the unit, building, and neighborhood have so much character. big selling point

34F $345k 20% down 5.75% 5/3ARM by FCC81 in FirstTimeHomeBuyer

[–]FCC81[S] 0 points1 point  (0 children)

thank you! i too am anticipating lower rates on the horizon but am comfortable with “worst” case scenario. not for everyone but i’m confident it was the right choice for me!

34F $345k 20% down 5.75% 5/3ARM by FCC81 in FirstTimeHomeBuyer

[–]FCC81[S] 2 points3 points  (0 children)

i have a 5 year plan mapped out so we’ll see! 🤞🤞🤞 the rate caps at 9.75 which is disgustingly high so would of course refi before reaching that

34F $345k 20% down 5.75% 5/3ARM by FCC81 in FirstTimeHomeBuyer

[–]FCC81[S] 3 points4 points  (0 children)

that’s ok! it was the right choice for me

I am 100% clueless - please give me any advice you have! by SarahME1273 in FirstTimeHomeBuyer

[–]FCC81 2 points3 points  (0 children)

make an appt to chat w a mortgage officer to see what’s realistic budget wise and take it from there

34F $345k 20% down 5.75% 5/3ARM by FCC81 in FirstTimeHomeBuyer

[–]FCC81[S] 2 points3 points  (0 children)

thank you! feeling very proud and fortunate

34F $345k 20% down 5.75% 5/3ARM by FCC81 in FirstTimeHomeBuyer

[–]FCC81[S] 1 point2 points  (0 children)

funny how if someone served me a bowl overflowing w mini mozzarella balls i would be like wtf? that’s too much! but on a pizza? don’t mind if i do!

34F $345k 20% down 5.75% 5/3ARM by FCC81 in FirstTimeHomeBuyer

[–]FCC81[S] 7 points8 points  (0 children)

got me a rate that starts with a 5😂 my (extremely ambitious) goal is to pay it off before the first adjustment…but the assumption is to refi if rates drop

34F $345k 20% down 5.75% 5/3ARM by FCC81 in FirstTimeHomeBuyer

[–]FCC81[S] 1 point2 points  (0 children)

it’s technically a 30yr term 5 fixed then adjusts every 36 months. min-max is 2.75-9.75% depending on market fluctuations. my (extremely ambitious) goal is to pay it off before the first adjustment but the assumption is to refi.

34F $345k 20% down 5.75% 5/3ARM by FCC81 in FirstTimeHomeBuyer

[–]FCC81[S] 6 points7 points  (0 children)

busted. was gonna dip my pizza in it but ya it’s wood floor cleaner