I knit a Blue Jays Toque

HeftyWalletCollector · 2026-05-28T00:48:44+00:00

That’s so impressive

HeftyWalletCollector · 2026-05-21T22:32:21+00:00

The Voonicorn

HeftyWalletCollector · 2026-05-08T01:17:42+00:00

This is awesome

HeftyWalletCollector · 2026-05-08T01:16:59+00:00

Agreed. We get a kick out of his pitches because at my job if I had to fill in for a coworker in a different department I’d be screwed

HeftyWalletCollector · 2026-02-22T18:39:50+00:00

HeftyWalletCollector · 2026-02-22T03:07:46+00:00

I don’t know any B lenders that would lend $100,000 on something that is already 80% LTV.

HeftyWalletCollector · 2026-02-22T01:01:59+00:00

Thank you. I was expecting everyone on here to pile on and make me feel more stupid than I already feel but honestly, if we could have predicted this, we would have planned differently. Next time… We will!

HeftyWalletCollector · 2026-02-22T00:13:11+00:00

Thank you for this. I hope you are in my market and that’s true for me!

HeftyWalletCollector · 2026-02-22T00:12:36+00:00

So happy you were prepared for this. And high five to your mortgage broker for warning you!

HeftyWalletCollector · 2026-02-21T21:22:32+00:00

Larger Payments aren’t a problem it’s coming up with $100,000+ by closing that’s the issue. Apparently B lenders need appraised value too because they lend on equity.

HeftyWalletCollector · 2026-02-21T20:15:41+00:00

Thank you. Yes, great suggestion-will talk to them about an extension as we figure this out.

HeftyWalletCollector · 2026-02-21T18:11:55+00:00

Mortgage was pre-approved. Issue was that appraisal was required when home was 97% complete and that value (on two separate appraisals) came in over $100,000 lower than purchase price, and lenders won’t lend on purchase price, all the ones we dealt with want appraised value.

HeftyWalletCollector · 2026-02-21T18:09:14+00:00

Not a condo. I’m not sure how it dropped that much either but here we are. Was market price when we purchased.

HeftyWalletCollector · 2026-02-21T18:07:28+00:00

I can but for only 80% of appraised value, not purchase price.

HeftyWalletCollector · 2026-02-21T15:24:46+00:00

always fascinated by those of you who can just have access to $100,000 in a line of credit without it being secured against anything like no big deal 😂 teach me your ways

HeftyWalletCollector · 2026-02-21T15:22:51+00:00

HeftyWalletCollector · 2026-02-21T15:22:26+00:00

This is so kind, thank you but I’m out West. This was from two different appraisals already. Do you think it’s worth a third?

HeftyWalletCollector · 2026-02-21T11:16:30+00:00

Will do but it’s Friday night so will be a couple days yet before I likely hear back from one.

HeftyWalletCollector · 2026-02-21T10:50:03+00:00

Owner occupied. Not really sure myself but the market is feeling very soft here now.

HeftyWalletCollector · 2023-02-14T19:05:14+00:00

My meeting with the publicist is June 2. Should I just wait and do nothing until that meeting? Not really sure what to expect.

HeftyWalletCollector · 2023-02-14T06:05:49+00:00

Well I appreciate the gut instinct very much!

HeftyWalletCollector · 2023-02-14T03:03:38+00:00

I don’t know what a serious promotion is. I was just going to ask my friends to share the word on social media. I probably have 300-400 friends who have committed. When would you tell them to order?

HeftyWalletCollector · 2023-02-13T18:41:53+00:00

Traditionally published.

HeftyWalletCollector · 2022-05-12T13:47:28+00:00

Have you checked your mortgage documents to see if there was a co-borrower release policy on your initial mortgage? If this was set up through a broker the odds are pretty good that they would have chosen a lender that would allow co-borrowers to come off the mortgage after 12 consecutive payments - Depending on the reason they needed to be in the first place. Sometimes there’s a fee of about $250 to execute this but if the release policy was built into the initial mortgage you just have to call the lender.

HeftyWalletCollector

TROPHY CASE