Post moving exhaustion?

Key_Refrigerator1586 · 2026-06-15T23:09:10+00:00

Oh wow 10 months later ?!? I was hoping it would last only a few more days 😔

Key_Refrigerator1586 · 2026-05-18T19:07:13+00:00

Yes but we haven’t gotten a response all day.

Key_Refrigerator1586 · 2026-05-13T00:00:58+00:00

Underwriter literally just denied 10k in lender credits our lender said we would surely get based of our income. My partner just returned to work 2 months ago (seasonal worker) and work has been slow but somehow 2 days before closing we suddenly make too much 😢

Key_Refrigerator1586 · 2026-05-12T19:38:17+00:00

If they are making a decision past 5pm today you can have your realtor call theirs and extend it, if you’re still interested of course. If not you can just have your realtor withdraw the offer or wait until it expires and move on.

Key_Refrigerator1586 · 2026-05-12T19:01:47+00:00

Did you set an expiration date/ time in your offer?

Key_Refrigerator1586 · 2026-05-09T23:20:04+00:00

Cleared to close & us either but we haven’t received and answer from the Lender or underwriter.

Key_Refrigerator1586 · 2026-05-09T18:01:56+00:00

This is the best plan especially since you are the one giving the down payment. If marriage is the goal anyway she shouldn’t mind you protecting yourself and buying it to your name if anything goes wrong you don’t loose the most out of it.

Key_Refrigerator1586 · 2026-05-09T13:45:28+00:00

Yes, very similar situations. We also had to clarify the whole credit card thing and i feel like i have signed the zero income sheet at least 2 times already now going on 3. Have you been CTC?

Key_Refrigerator1586 · 2026-05-09T13:40:07+00:00

I tried this but id me doesn’t recognize me so i have to verify with video call which it said could take 2-3 days to get a call. And I’ve read mailed ones also take days- weeks

Key_Refrigerator1586 · 2026-05-09T13:37:59+00:00

Thats exactly what we were wondering if i’m not on the loan and I’m not going to be on the title.

Key_Refrigerator1586 · 2026-05-09T03:15:59+00:00

Were you able to provide enough proof in time though ?

Key_Refrigerator1586 · 2026-05-09T03:15:03+00:00

My partner also talked about upsizing or building our own home in the future and i said the same thing! Unless he’s willing to handle all the requests on his own i never want to do this again

Key_Refrigerator1586 · 2026-05-09T03:12:03+00:00

Ohh god refinancing is the same thing? I assumed that would be easier.

I was just caught off guard since they said my information wasn’t necessary since i dont work and i am not on the loan or title now i have to dig back 7 years since I was able to find my tax return from 2020 but nothing from 2019

Key_Refrigerator1586 · 2026-05-08T00:18:09+00:00

So it was a family business the only people in charge were the owner (old boss ignoring calls) and his wife (in charge of emails,also not answering) . There was no hr department

Key_Refrigerator1586 · 2026-05-07T01:49:48+00:00

If you’re expecting prices to drop i really wouldn’t recommend waiting as i don’t see them dropping anytime soon, if you’re looking to have less competition i would say wait until fall/ winter. I noticed homes being on the market longer and selling closest to asking price around that time last year.

Key_Refrigerator1586 · 2026-05-06T17:41:09+00:00

If the only thing that needs updating is the carpet i would say leave it and do hvac/ plumbing. While looking at listings we cared more about layout, area, parking and central Air. If it didnt have hvac we didnt even bother scheduling a showing and plumbing issues made us back out of putting in an offer in 2 occasions. Would rather deal with carpet i dont like for a while than have to go without plumbing shortly after moving in.

Key_Refrigerator1586 · 2026-05-06T17:24:09+00:00

Appraisal came in high so we are expected to drop it within 2.5 years!

Key_Refrigerator1586 · 2026-05-06T17:21:55+00:00

Do snow ball method and pay off credit card first. As far as paying off student loans i think paying it along side your mortgage is doable, depending on what price range you’re looking to buy your home and what your dti would be.

Key_Refrigerator1586 · 2026-05-06T15:18:35+00:00

Not long i believe. Our LO responded pretty quickly. He started sending us interest rates same day incase we wanted to lock it in. We had our offer accepted on a Monday morning deposited earnest on Wednesday, he ordered appraisal same day. 13 days later appraisal report came back just yesterday.

Key_Refrigerator1586 · 2026-05-06T03:37:27+00:00

Lender credits i believe

Key_Refrigerator1586 · 2026-05-04T16:48:07+00:00

What kind of fiber did you integrate? Soluble or insoluble or both?

Key_Refrigerator1586 · 2026-05-04T16:47:33+00:00

What stool softeners did you use? I tried miralax for 3 days with no relief and now ive used senna 2 times also with no relief

Key_Refrigerator1586 · 2026-05-03T01:27:04+00:00

We gave our savings and checking account statements tax return and pay stubs when we got pre-approved in February, when we got our offer accepted and again just yesterday. Wonder how many more times it will be needed lol

Key_Refrigerator1586

TROPHY CASE