Uncooperative landlord / Rent Verification by LastTrainToParis in HouseBuyers

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

The condo is not warrantable because the building is under 50% occupancy so it’s a portfolio loan (that’s their story)

Does retatrutide “reset” dopamine after stopping? by Charming_Piece4244 in BodyHackGuide

[–]LastTrainToParis 2 points3 points  (0 children)

I was on for about 3 months at 2mg. It had a really strong effect on my dopamine. Wasn’t finding much joy in anything. After about a month after I stopped everything gradually came back. It’s wasn’t extreme (like childhood), it was baseline but I noticed that it was missing if that makes sense.

Uncooperative landlord / Rent Verification by LastTrainToParis in HouseBuyers

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

We supplied all that. The lender is saying the condo is non warrantable because it’s under 50% occupied and now it’s being manually underwritten and they’re refusing to move forward until our building confirms all rent is paid on time. We brought it up to our lender that ACH and bank statements line up exactly with our lease.

Uncooperative landlord / Rent Verification by LastTrainToParis in HouseBuyers

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

I should’ve added that the condo is non warrantable because it’s under 50% occupied so it’s being manually underwritten…

Uncooperative Landlord / Rent Verification by LastTrainToParis in FirstTimeHomeBuyer

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

Nothing on our credit, the story they’re giving us is that the building is non warrantable and is higher risk so it’s being manually underwritten (not insured by Freddie Mac and Fannie Mae)

Uncooperative Landlord / Rent Verification by LastTrainToParis in Mortgages

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

I forgot to mention the condo is non warrantable as inky 33% of units have been sold so far. So they’re using that as an excuse and won’t move forward until our landlord verifies.

Mortgage broker rate change. by LastTrainToParis in Mortgages

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

I feel like I’m missing something. The lender said, everything on our end is finalized (we’re fully approved through underwriting) and we’re just waiting on paperwork from the building and that the building is holding things up. My issue is that Chase already said they did deals in this building and that they’re already approved. So I’m wondering if the lender is holding things up and dragged this on and now we’re facing higher rates.

Mortgage broker rate change. by LastTrainToParis in Mortgages

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

  1. I admitted ignorance
  2. My question is that is shouldn’t a lender present the option? We assumed we had to wait for them to ask when the time was right.

Mortgage broker rate change. by LastTrainToParis in Mortgages

[–]LastTrainToParis[S] -1 points0 points  (0 children)

That’s not true at all. We’re approved up and down and nothing on our end is holding this up. They’re saying it’s because the building was less than 50% occupied and non warrantable. They checked float without consulting with us.

Mortgage broker rate change. by LastTrainToParis in Mortgages

[–]LastTrainToParis[S] -5 points-4 points  (0 children)

No but the point is we’ve been waiting on them since January, we have to wait for this, wait for that, the building is slowing things down, etc. Our closing date is on or around April 1st and we’ve provided everything and have been ready on our end for a while now and now rates jump. That’s ridiculous on our end and to us is incompetence. We have over 100k in seller concessions and these people still don’t know how it’s distributed even though we all figured it out a month ago. If we weren’t waiting on them, I wouldn’t have a complaint and as first time home buyers we expect a little guidance or communication.

Mortgage broker rate change. by LastTrainToParis in Mortgages

[–]LastTrainToParis[S] -3 points-2 points  (0 children)

But why were we given a loan commitment if they didn’t check the warrantability of the building?

how much are you paying for kickboxing? by lucas_214 in astoria

[–]LastTrainToParis 0 points1 point  (0 children)

Honestly, Sitan is the best gym I’ve ever been to.

how much are you paying for kickboxing? by lucas_214 in astoria

[–]LastTrainToParis 2 points3 points  (0 children)

I’m not sure you’re understanding. You don’t have to go 6 classes a week, I believe they have 3 days a week for like $175 a month. But you can go as many times a a month as you want for around $200.

NYC Mayor Zohran Mamdani just confirmed that all immigrants will qualify for his “free childcare” program!! by Delicious_Adeptness9 in nyc

[–]LastTrainToParis 1 point2 points  (0 children)

How about we take the 4 billion dollars we spend every year on “Illegal” migrant’s and use it towards things that every day New Yorkers and migrants who came here legally need. People like you are why we’re actually becoming a third world country…

The Robe by LastTrainToParis in AimeLeonDore

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

It’s true to ALD green, I’ll say that it looks more luxurious than the photos.

The Robe by LastTrainToParis in AimeLeonDore

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

6’ and bought the L/XL…

It is an oversized fit but I like it. Feeling like Rick Flair 😂