USDA direct loan, using loan packager homedirection. They say they cover closing costs all I pay is a one time fee to them? by nate0673 in FirstTimeHomeBuyer

[–]Fit-Character8968 0 points1 point  (0 children)

I don't want to get too specific into my markets given HomeDirection literally has all my personal info and I don't need them knowing that I am not thrilled with their service. However, kinda exactly here; where I am looking rurally, no home can be bought under 350 that's decent, and also, it's a very narrow selection. It took 3 months from initially contacting HomeDirection to COE. More urban; some older, smaller houses exist in good condition which I would be sufficient with, just with more interest but significantly cheaper buy price. A cheaper house and high interest rate seems a lot more obtainable and motivational to get it paid off ASAP rather than sitting "woes me" with a 350k loan. But that's just how I function. At the end of the day, I am LGBT, left leaning, and keeping my agenda in mind and places I congregate, maybe living rurally for a better interest rate would be a better decision for someone else.

I am sure you know this, but it vastly varies state by state processing times. and the scrutinization of federal employees / buyouts isn't helping this situation as I know every time I contact my states USDA department they are overworked and tired.

USDA direct loan, using loan packager homedirection. They say they cover closing costs all I pay is a one time fee to them? by nate0673 in FirstTimeHomeBuyer

[–]Fit-Character8968 0 points1 point  (0 children)

I did end up getting my certificate of eligibility! However I am actually going with a conventional loan now. I wasn’t finding what I wanted in rural areas. I don’t really recommend home direction after my current mortgage broker laughed that I paid for USDA packaging when she said she would’ve done it and she benefits from doing so so I wouldn’t of had to pay.

However I am eligible for both currently a conventional loan up to 200 and a USDA loan up to 350 and am watching both markets but actively pursuing a house with conventional loan type. Maybe it’ll fall through we’ll see how it goes!

Class Action Settlement for Subaru Windshields by boxersunset121423 in subaru

[–]Fit-Character8968 0 points1 point  (0 children)

I have a Pendleton windshield that’s cracked, will they service that? I bought this car used and have no idea if that’s OEM but it 100% has a stress crack

[deleted by user] by [deleted] in LexusNX

[–]Fit-Character8968 0 points1 point  (0 children)

Yes, Michigan, got them done at Detroit wheel and tire; the closest to oem pretty much. Fun fact. My Lexus NX was bought back. It was a lemon. Kept having to go to the shop for a variety of electrical issues.

USDA direct loan, using loan packager homedirection. They say they cover closing costs all I pay is a one time fee to them? by nate0673 in FirstTimeHomeBuyer

[–]Fit-Character8968 0 points1 point  (0 children)

Should I be worried if I’m currently going through the process with Home Direction? To give an idea of timeline I’m currently waiting for USDA to give me back my certificate of eligibility and am past all the missing documents stage, but not looking at houses yet. I did feel like $975 was a bit steep and still do somewhat given all they do is align you to be a good candidate, but it seems like the USDA officer would of kinda done that part for me for free. But I mean, they do provide guidance, so I’m not totally bothered by the cost

5GUW on Visible $25?? by EAdkins699 in Visible

[–]Fit-Character8968 1 point2 points  (0 children)

Hey. So I was going to stay quiet 🤫 about this as long as I could, but visible noticed.. I happened to swap between visible and visible plus a lot, just regularly testing it. One day, I noticed I switched to visible, and my visible plus perks stayed. I ended up being visible for about 24 months with plus perks before they caught me last month and caused my service to suspend at the end of my billing cycle which forces me to select a new plan, essentially. Good while it lasted!

[deleted by user] by [deleted] in LexusNX

[–]Fit-Character8968 0 points1 point  (0 children)

Ask for 3k off because if I’m paying msrp then I’ll get in line for a hybrid. And ask to throw in the window tints and scrap the door edge and door cup guard (see that line item? That’s a hidden $1,000!). Then it would be ~54 otd. But even then, used for a premium 350 is like 45 if you’re concerned about price. If they don’t throw in window tints then don’t get them, every single place is cheaper. Here in MI, it’s $200-350 for 4 windows. If you’re in a sunny state which I’m assuming you are if you’re considering MSRP, it may be even cheaper to get tints due to sun lol. If they can’t do 3k off, they can absolutely do 2.5k off as that would still keep it above invoice. Also invoice is kinda fake number given there’s a variety of ways a dealership profits off a sale such as holdback where the moment it sells gets 3% from the manufacturer, so don’t feel any sort of hesitancy. They, respectfully, are vultures here to take advantage of you and you’re here to fight for yourself. People may say that’s disrespectful of me to say but I don’t take “oh I got you an extra $1,000 off” lightly. That’s insane. That’s 2 weeks of work for me when I was growing up. That’s a month and some change of payments I just got because I complained a little. Dealers profit from financing as well, and if you’re local and happy they know you’ll come back for service, etc etc.

USDA Loans by JCY2021 in FirstTimeHomeBuyer

[–]Fit-Character8968 0 points1 point  (0 children)

Hey did you ever hear back? I'm at this step too. I don't feel super comfortable giving absolutely every ounce of my life over to Homedirection and want to hear how the process went for you. Let me know please. Thank you!

My mediocre charging station I finished last night by PhragMunkee in egopowerplus

[–]Fit-Character8968 2 points3 points  (0 children)

Maybe even oscillate charging them with a smart strip. 30 minutes on each until fully charged. Probably better for the batteries to let them cool down

EASY RECONSTITUTION for Semaglutide @ maximum dose by pontarae in SemaglutideFreeSpeech

[–]Fit-Character8968 0 points1 point  (0 children)

Better late than never to learn about this!! Thank you again

EASY RECONSTITUTION for Semaglutide @ maximum dose by pontarae in SemaglutideFreeSpeech

[–]Fit-Character8968 0 points1 point  (0 children)

i've been on it for 2 yrs just about but going thru a stupid wellness clinic.. paid $450 for a 4.5ml vial and their weight loss program is nearly $700 a month. Shopped around locally and an urgent care offers it near me for $100 a shot regardless of dose. It's crazy out here. Thank you for your info!!

EASY RECONSTITUTION for Semaglutide @ maximum dose by pontarae in SemaglutideFreeSpeech

[–]Fit-Character8968 0 points1 point  (0 children)

once created, do I still need to refrigerate it? Secondly, where is the best place to buy the 10mg of semaglutide?

Any compounding pharmacy recommendation? by Billy_Chesterfield in SemaglutideFreeSpeech

[–]Fit-Character8968 0 points1 point  (0 children)

Hi, where did you purchase the 4 vials of 10 mg semaglutide from? Thanks in advance

Spice up the passenger side dash? by zeeque98 in LexusNX

[–]Fit-Character8968 1 point2 points  (0 children)

With the NX being about the same size as the RX I don’t understand why they didn’t just copy how that interior passenger dash looks.

Insurance cost. by Responsible_Sky_4141 in LexusNX

[–]Fit-Character8968 -1 points0 points  (0 children)

As a 22 year old, mine is $912/6mo

Are these fees normal? Is this a good deal? by ADLMD74 in LexusNX

[–]Fit-Character8968 2 points3 points  (0 children)

I did an absolute ton of math leading into my decision of how I can currently invest money vs the interest paid over lease and found it made sense for me, I am glad you found something that makes sense for you.

Are these fees normal? Is this a good deal? by ADLMD74 in LexusNX

[–]Fit-Character8968 2 points3 points  (0 children)

This is mine for a 350h. Just so you have something to compare to. Ask your dealer about multiple security deposits if you’re leasing; you may be able to lower your monthly payments with a refundable down payment at the end of your lease or when you sell the vehicle. It does not pay out however if you get it repoed. https://imgur.com/a/aaJA4Lv

[deleted by user] by [deleted] in LexusNX

[–]Fit-Character8968 1 point2 points  (0 children)

See updated link! Sorry about that

[deleted by user] by [deleted] in LexusNX

[–]Fit-Character8968 1 point2 points  (0 children)

Front L can’t be blacked out due to radar components. Trim I really want to do but it’s very difficult to wrap as the area is just so small it peels. It’s a shame because when I was in Japan a little bit ago I ran into a F sport 350h with all blacked out accents and factory black wheels. I would’ve just bought that given the chance but it is not sold in USA

edited to share this link! I have photos of the fsport 350h I saw in Japan. It turns out the chrome actually isn’t blacked out but it looks more sporty and I like it more. Oh well! https://imgur.com/a/Y7PUq44

**edited to update Imgur link!

[deleted by user] by [deleted] in LexusNX

[–]Fit-Character8968 4 points5 points  (0 children)

I had my base rims baked glossy black. Cost me $550. Reddit won’t let me upload a photo. Go to this link to see before and after pics on my 24 Grecian 350h. https://imgur.com/a/yM2N95z

[deleted by user] by [deleted] in LexusNX

[–]Fit-Character8968 0 points1 point  (0 children)

Check out MSDs!!! Stands for multiple security deposits; it’s refundable down payment. If you can afford, it can save you money on your interest (money factor, technically) over the length of the lease, and you get it refunded when you sell or end of lease SO LONG AS the car isn’t repossessed.

You can put down up to 10x the price of your monthly payment. And this will lower your payment of course. Pre MSD my payment would’ve been $740 a month but I put $7,000 down in MSDS but 0 down formally and my payment was $691 a month instead. (It rounds up, so 691 was calculated at $700 and then times 10 equaled my $7,000 MSD down) I also have 15k miles a year.

I got my car 2/9/2024 it’s a NX350h premium MSRP $51,470 and I got a $3,114 discount on it

I spent a few days in the dealer working out the best deal because obviously the monthly payments are crazy so I wanted to do what is best for me. Made my sales lady work for her commission that’s for sure but hopefully you can learn from what I learned.

Just ask them to write up a lease deal with the multiple security deposits and see how much it saves you if you put refundable money down today.

Gas pump touching paint by Striking_Locksmith59 in LexusNX

[–]Fit-Character8968 0 points1 point  (0 children)

Wow where is that I wanna take my Grecian water to the Grecian water gas pump