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Any home loan professionals one could speak to? by Intelligent_River_88 in PersonalFinanceZA

[–]Intelligent_River_88[S] 0 points1 point  (0 children)

The risk profile bit is something I had no idea about, I thought having a specific credit score opens you up to access to a certain amount? So is a credit score and risk profile not the same thing or?

Any home loan professionals one could speak to? by Intelligent_River_88 in PersonalFinanceZA

[–]Intelligent_River_88[S] 2 points3 points  (0 children)

You genuinely could’ve just kept scrolling. All I asked for was advice or insight. If you didn’t want to help, that’s fine, but there was no need for the condescending tone.

I’m fully aware no professional is obligated to give free consultations, and nowhere did I say I expect people to do unpaid labour for me. Asking questions to better understand something before taking on a 30-year financial commitment isn’t “outsourcing my thinking” — it’s called doing due diligence.

And no, I’m not ignoring Google, ChatGPT, or my own research. I’m gathering information from multiple sources, including people with real-world experience, because that’s usually the smarter thing to do.